Remortgage Calculator

After your initial mortgage term ends, your lender will place you on their standard variable rate (SVR), resulting in significantly higher monthly repayments.

Use our remortgage calculator to determine the potential financial savings you could make by choosing to switch.

How does our remortgage calculator work?

Input the respective details into our calculator and it will provide you with an indication of what your payments for a remortgage would be.

We could help you borrow up to: £350,000 Please note this does not guarantee eligibility for a mortgage and will still be subject to suitability and your credit profile. To ensure we can get you the best personalised mortgage quote please reach out to us.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.


How much can I remortgage my house for?

Most lenders permit you to either borrow the remaining balance of your mortgage when switching deals or increase the loan to release your equity.

The total amount you can borrow depends on your individual financial situation.

Is it worth remortgaging?

Remortgaging to a more competitive deal has the potential to save you thousands in the long run.

This is particularly true if you're nearing a switch to your lender's SVR, planning to accelerate your mortgage payments for an early payoff, or if your loan-to-value (LTV) ratio has decreased.

Who can remortgage?

All current homeowners can remortgage at any time. However, whether it’s the right time for you should be based entirely on your specific circumstances.

It’s important to note that in certain cases, remortgaging prematurely can result in your incurring an early repayment charge. Therefore, it's advisable to confirm whether this applies to you before coming to a decision.

Most individuals tend to consider remortgaging when their current mortgage deal is nearing its end or when planning significant expenses such as home improvements.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.