Remortgage Advice That Saves You Money
Your fixed rate ending soon? We'll find you a better deal before your payments go up.
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Your fixed rate is ending soon, or maybe it already has. Either way, we'll help you find your next deal.
When a fixed rate ends and nothing else is in place, your lender automatically moves you onto their standard variable rate. That's almost always significantly higher than what's available elsewhere on the market. On a £300,000 mortgage, falling onto the SVR can mean paying an extra £400 to £600 every month.
We help homeowners across North London and Hertfordshire avoid that. Whether you want to lock in a new fixed rate, release equity, switch lenders, or change the type of mortgage you have, we'll search the whole market and recommend what's actually best for your situation.
Most clients come to us six months before their deal ends. That gives us time to lock in a competitive rate, monitor for better deals, and make sure the switch happens without a single day on the SVR.
How we help
We search over 90 lenders, not just one.
Your bank can only offer you their own products. We compare the entire market so you see every option available to you.
We act early so you never fall onto the standard variable rate.
Most lenders let us lock in a rate up to six months before your current deal ends. If rates drop, we switch you to the better deal. If they go up, you're already protected.
We handle the whole process for you.
From application to completion, we deal with the paperwork, the lender, and the legal side. You don't have to chase anyone or fill in long forms.
We give you a clear recommendation.
No long lists of options to choose between. We tell you what we'd do in your position and explain why.
Common questions
Six months before your current deal ends. That gives time to lock in a rate, monitor for better deals, and complete the switch before you fall onto your lender's standard variable rate.
The standard variable rate (SVR) is what your lender automatically moves you onto when your fixed deal ends. It's usually 3 to 4 percentage points higher than competitive fixed rates, which can add hundreds of pounds to your monthly payments.
Typically 4 to 8 weeks from application to completion. Starting early means you're not rushed and have time to find the best deal.
Yes. Lenders look at affordability based on your current situation. Whether your income has gone up, down, or stayed the same, we'll find lenders who consider your specific circumstances rather than rejecting your application outright.
It depends. Staying with your current lender (called a product transfer) is faster and usually doesn't require new affordability checks, but you only see their rates. Switching to a new lender opens up the whole market and can mean significantly better deals. We compare both options and recommend what's best for you.
No, there's no broker fee for standard residential remortgages of £100,000 and above. For more complex cases such as adverse credit or shared ownership, a fee may apply. We'll always be upfront about any fees before you commit.
Yes. Many people remortgage to release equity for home improvements, consolidating debt, or other purposes. We'll explain your options and how much you can release based on your property's current value.
Let's get your mortgage sorted.
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