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Switch before you roll onto the SVR
When a fixed deal ends, most lenders move you onto their standard variable rate, which is usually a lot more expensive. We catch it before that happens and check the whole market for something better.
A switch worth making
We watch the clock
Start around six months out and we can secure a new deal to begin the day your current one ends.
Fees in the maths
A headline rate means little without the fees. We compare the total cost, not just the number.
Stay put if that is best
If your current deal already wins, we will tell you. No switch for the sake of it.
A better rate, or money released
People remortgage for two reasons: to cut the monthly cost, or to release equity for something like home improvements. We look at both and tell you whether a switch is worth the effort right now.
- Cut your monthly costComing off a fix onto a fresh deal can save a meaningful amount each month.
- Release some equityBorrow against the value you have built up, for renovations or consolidating costlier debt.
- Time it rightMost offers hold for up to six months, so we can lock in a new rate before your current one ends.
Questions we hear a lot
About six months before your current deal ends. New mortgage offers are typically valid for up to six months, so you can line up the switch without any gap on the expensive standard rate.
Not always. Once you factor in any fees, a small rate drop may not pay for itself. We do that sum honestly and tell you if it is not worth it.
Usually yes, subject to affordability and the equity in your home. It is a common way to fund improvements or clear more expensive borrowing.
Handy next steps
Do not drift onto the standard rate
Send us your current deal and end date, and we will tell you whether switching is worth it.