Thinking About
Remortgaging?
When your mortgage deal ends, your lender will usually offer you a new rate. It's worth comparing this against other options to see what might work best for your situation.
*For standard cases. Some complex cases may incur a fee, which would be discussed upfront.
Worth knowing: Your current lender's product transfer is one option, but it's often worth comparing against other deals available in the market.
Why Start Looking
6 Months Early?
Many people wait until their deal is about to end. Starting earlier can give you more options and less pressure. Here's why:
Secure a Rate Early
Most mortgage offers are valid for 6 months, so you can secure a rate now while you wait for your deal to end.
Flexibility If Rates Change
If rates improve before your deal ends, you can usually apply for a different deal instead.
Avoid the Standard Variable Rate
If you don't arrange a new deal, you'll typically move to your lender's SVR, which is often higher than fixed rates.
A Typical Remortgage Timeline
6 Months Before
Start exploring your options. Get an idea of what rates are available.
3 Months Before
Review your options. Check if anything has changed.
1 Month Before
Confirm your new deal is in place and ready to start.
Deal End Date
Your new deal starts. No gap, no SVR.
Product Transfer vs Remortgage
When your deal ends, you generally have two main options. Each has its own advantages depending on your situation.
Product Transfer
Stay with your current lender
Usually quick and straightforward
Often no valuation needed
No solicitor fees
Limited to one lender's rates
Can't release equity or change terms
May suit you if: You're happy with your current lender and don't need to borrow more.
Remortgage
Switch to a different lender
Access to a wider range of lenders
Can release equity if needed
Can change term or payment type
Often includes free legal work
More paperwork required
Takes longer (typically 4-8 weeks)
May suit you if: You want to compare the wider market, release equity, or your circumstances have changed.
Could You Save by Remortgaging?
Use these calculators to get a rough idea of potential savings. For an accurate quote tailored to your situation, get in touch.
Not sure what rate you could get? I can check for you.
Enter your details and click calculate to see your potential savings
"Rob has been great throughout our remortgage process, always keeping on top of everything both with us and the other people we've had to deal with like solicitors also. He has a great knowledge of the whole system which really helped us understand everything that was going on. Would highly recommend."
Dan O'Neill
What You'll Need to Remortgage
Having these documents ready can help speed up the process. Don't worry if you're missing something — I can guide you through it.
Note: If you're doing a product transfer with your current lender, you usually won't need any of these documents — they already have your details.
Document Checklist
Proof of Income
Last 3 months' payslips (employed) or 2-3 years' accounts (self-employed)
Bank Statements
Last 3 months showing income and regular outgoings
ID Documents
Passport or driving licence, plus proof of address
Current Mortgage Statement
Shows your balance, rate, and when your deal ends
Property Details
Rough idea of current value (I can help estimate this)
Remortgage FAQs
Understanding Your Mortgage Renewal
Not sure where to start? These guides explain some of the key things to know about mortgage renewals.
Rob Davies
Your local mortgage adviser in Alsager
Let's Talk About Your Options
Whether your deal is ending soon or you're just exploring what's out there, I'm happy to help. No pressure, no jargon — just a straightforward conversation about your options.
Personal Service
You'll speak to me directly — not a call centre
No Broker Fee*
For standard cases. Complex cases discussed upfront.
Range of Lenders
I can compare deals from a range of lenders on your behalf
We value your privacy
We use cookies to enhance your browsing experience, serve personalised content, and analyse our traffic. By clicking "Accept All", you consent to our use of cookies. You can manage your preferences or learn more in our Cookie Policy and Privacy Policy.