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Remortgaging when your deal ends

Your fixed rate is ending, you want a better deal, or you'd like to bring your debts together. We look at what other lenders could offer and what your own lender will give you, then help you choose.

  • Fixed rate ending
  • A better deal
  • Debt consolidation
  • Product transfers
Book a free call Call 0115 697 8086
A couple at their kitchen table going through mortgage paperwork and a laptop

Three reasons people remortgage

Whichever one sounds like you, the first step is the same: a free call, so we can look at where you stand.

  1. deal ending

    Your fixed rate is ending

    When a fixed or tracker deal ends, most lenders move you onto their standard variable rate, which is usually higher. Your monthly payment can jump. We look for your next deal before that happens.

  2. a new deal

    You want a better deal

    We look at what other lenders could offer as well as a new deal from your current lender, called a product transfer. If staying put is the most suitable option and you don't need to borrow more, there's no charge for this.

  3. debts

    You want to bring your debts together

    Some people borrow more on their mortgage to pay off loans, cards or car finance, so there's one monthly payment. It can cost you more overall, because the debt is spread over a longer time, so we go through it with you first.

    Think carefully before securing other debts against your home.

monthly payment time deal ends your fixed rate standard variable rate payments jump a new deal with your lender a new lender we compare both loan credit card car finance one monthly payment paid back over longer

How we help when you remortgage

The sooner we talk, the more time we have to find your next deal before the current one runs out.

  • We start early

    Many lenders let you secure a new deal months before your current one ends. Starting early means you don't drop onto the lender's standard variable rate.

  • We look beyond your lender

    We compare what other lenders could offer you with a new deal from the lender you already have, and tell you honestly which suits you better.

  • No charge for a simple switch

    If the most suitable option is a new deal with your current lender, and you don't need to borrow more, there's no charge for our help.

Prior to Andy, I was told that because of my husband's age, a remortgage was impossible. I had tried various avenues and most organisations were telling me to sell. But not Andy. Because of him, I've been able to keep my home of over 20 years.

HU, a client, February 2026

Handy for your first call

You don't need any of this to book. If you have it to hand, we can tell you more on the first call.

  • Your latest mortgage statement
  • When your current deal ends, and any early repayment charge
  • Your recent payslips, or your accounts if you're self-employed
  • Details of any debts you'd like to bring together
  • A rough idea of what your home is worth

Questions we get asked

Around three to six months before your deal ends. Many lenders let you secure a new rate that far ahead, so you're not left on the standard variable rate.

A new deal with the lender you already have, usually with less paperwork. If it's the most suitable option for you and you don't need to borrow more, there's no charge for our help.

You may be able to borrow more on your mortgage to pay off loans, cards or car finance. Your monthly payments could go down, but you may pay more in total, because the debt is paid back over a longer time. Think carefully before securing other debts against your home.

The first call is free. There's no charge for a product transfer with your current lender when that's the most suitable option and you aren't borrowing more. For other remortgages there may be a fee for mortgage advice. The exact amount depends upon your circumstances, but will range from £495 to £995, and this will be discussed and agreed with you at the earliest opportunity. You may also have to pay an early repayment charge to your existing lender if you remortgage.

We also help with

Most people we talk to fit more than one of these. Pick any that sound like you, and think about cover for your new home too.

Is your deal ending soon?

Book a free, no-obligation call. We'll look at a new deal with your current lender and across the market, and tell you which suits you.

Book a free call Call 0115 697 8086