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Explore your remortgage options

When your fixed rate ends, most lenders move you to their SVR. Share a few details and speak to a mortgage adviser to look at your options.

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See what your remortgage options could look like

The problem

SVR quietly pushes your payment up

After a fixed deal, many homeowners drift onto a standard variable rate without exploring alternatives. That single change can add hundreds a month.

Speak to a mortgage adviser who can review the timing, fees and product options for your circumstances.

ILLUSTRATIVE RATES

Example previous fixed rate3.49%

Typical SVR (illustrative)7.25%

Illustrative comparison rate5.35%

Illustrative comparison only

Illustrative example only, based on a £200k mortgage over 22 years comparing a 7.25% SVR to 5.35%. Not a quote and not a product recommendation. Actual rates depend on your circumstances and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

How a mortgage adviser helps

Mortgage advice, without the hassle

Compare across the market

Your adviser compares mortgages from across the market for your situation.

Time it sensibly

Your adviser can plan around your ERC end date and explain how rate locks work.

Handle the paperwork

They manage the application end-to-end if you choose to proceed.

Clear numbers

Adviser fees, lender fees, monthly cost and total interest are explained up front.

How it works

Four simple steps to speak to an adviser

Tell us about your mortgage

Balance, rate, end date — quick facts so the adviser knows where you are today.

An adviser compares the market

An FCA authorised mortgage adviser considers products available to you based on your income, credit profile and goals.

Discuss your options

Your adviser explains payment, fees and any ERC timing in plain English. You decide whether to proceed.

They handle the application

If you choose to proceed, your adviser manages the application through to completion.

Calculator

See what switching could look like

Enter your current balance, rate, and remaining term. We compare to a generic illustrative comparison rate of 5.35%. This is illustrative only and does not represent an actual mortgage product available to you.

Mortgage balance (£)Current interest rate (%)Remaining term (years)

Illustrative monthly payment (5.35%)

£1,290

Current monthly payment (5.5%)

£1,308

Illustrative difference: £17/mo

Illustrative comparison only — not a quote, not a product recommendation, and not a guarantee of any saving. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Reviews

What people say after speaking to an adviser

CONSIDERED OPTIONS PROPERLY

“We thought we’d just stay with our bank. We spoke to an adviser who took the time to walk us through the options properly.”

James Mitchell

Verified review · Remigo customer

SIMPLE & STRESS-FREE

“Clear explanations, no jargon, and they chased everything. The whole thing felt simple and stress-free from start to finish.”

Sarah Thompson

Verified review · Remigo customer

A PROPER CONVERSATION

“I’d struggled elsewhere. The adviser I spoke to looked at my case properly and explained what was possible — huge relief.”

Priya Patel

Verified review · Remigo customer

FAQ

Remortgage questions, answered

Many homeowners start exploring options 3–6 months before their fixed deal ends, so an adviser has time to review the market and arrange a switch before they roll onto the lender's SVR.

SVR stands for Standard Variable Rate. It's your lender's default rate after an introductory deal ends. SVRs are typically higher than new fixed or tracker products, which is why many homeowners look at remortgaging before their fixed period ends.

In some cases, yes — borrowing more against your home (for example for home improvements) is possible subject to affordability and lender criteria. A mortgage adviser can talk you through the trade-offs and what may be available to you.

No. Enquiring is free. If your mortgage adviser charges a fee for their advice or arranging your mortgage, they will disclose this to you in writing before you commit to anything.

An ERC may apply if you leave your current deal before it ends. A mortgage adviser can review your mortgage offer and timing to help you understand whether to remortgage now, switch on a product transfer, or wait until the ERC window passes.

Many lenders allow you to secure a new rate 3–6 months before your existing deal ends. A mortgage adviser can explain what's available and how the timing works for products you may be eligible for.

A product transfer stays with your existing lender (often quicker, fewer checks). A remortgage moves to a new lender, opening up products from across the market. A mortgage adviser can compare both routes for your situation.