Should I choose the lowest rate or lowest fee?

It depends on your mortgage size and deal length. On larger mortgages, a lower rate with a fee is usually better. On smaller amounts, a free initial advice deal at a slightly higher rate often wins.

How much can I save by remortgaging?

Savings vary but can be significant. Moving from a standard variable rate to a competitive fix could save £200-£500+ per month depending on your mortgage size.

Is it worth remortgaging for a small rate difference?

Even a 0.25% rate reduction can save hundreds per year on a typical mortgage. We'll calculate the exact saving and factor in any switching costs.

Can I negotiate my mortgage rate?

Not directly, but using a broker gives you access to exclusive rates not available directly. Some lenders also offer retention deals to keep existing customers.

How to Get the Best Remortgage Deal

We compare 90+ lenders to find you the cheapest remortgage deal — factoring in rates, fees, and cashback. Initial advice is free, and any broker fee is explained upfront.

Finding the Best Remortgage Deal

The 'best' remortgage deal isn't always the one with the lowest headline rate. You need to consider product fees, cashback offers, free legal work, valuation costs, and the total cost over the deal period. A mortgage with a slightly higher rate but no fees can be cheaper overall than a low-rate product with a £999 arrangement fee. We calculate the true cost and find the genuinely cheapest option.

True cost comparison — not just headline rates
Fees, cashback, and free legals all factored in
90+ lenders compared simultaneously
Timing advice for the competitive rate environment
free initial advice — we save you money, not cost you money

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Looking Beyond the Headline Rate

A 3.99% rate with a £999 fee might cost more over a 2-year fix than a 4.19% rate with no fee — especially on smaller mortgage amounts. We calculate the total cost over your chosen term, including all fees and any cashback, to find the genuinely cheapest option.

When to Start Looking

Start comparing remortgage deals 3-4 months before your current deal expires. Most lenders allow you to lock in a rate this far in advance, protecting you if rates rise. If rates fall before completion, some lenders allow you to switch to the lower rate.

Fixed vs Variable

Fixed rates offer payment certainty but lock you in. Tracker and variable rates may be cheaper initially but carry interest rate risk. Your choice depends on your risk tolerance, how long you plan to stay in the property, and the current rate environment.

Free Legals and Cashback

Many remortgage deals include free legal work and a free property valuation, saving £500-£1,500. Some also offer cashback (typically £250-£1,000). These incentives can significantly reduce the overall cost of switching and should be factored into any comparison.