Your fixed rate ends. The default letter offers a new deal. The obvious move is to switch - but the obvious move isn't always the best one. We compare a full remortgage against a product transfer with your current lender, and against staying on a variable rate, then show you the real cost difference.
Lock a new deal up to 6 months out
Most lenders let you secure a new rate up to 6 months before your current deal ends. We diary your expiry date, watch the market, and lock in early so you're never dumped onto a costly standard variable rate.
- Rate locked up to 6 months before expiry
- Automatic diary of your fixed-rate end date
- Never left on an expensive SVR by accident
Product transfer vs full switch
A product transfer stays with your current lender - usually no valuation, no conveyancing, no stress, and often no broker fee. A full remortgage opens the whole market but adds cost. We compare both, including fees, and recommend the cheaper route.
- Product transfer: fast, cheap, no valuation
- Full remortgage: whole-market rates, more cost
- Side-by-side total-cost comparison
Debt consolidation & equity release
Remortgaging can release equity for home improvements or consolidate expensive debts into a cheaper mortgage rate - but extending short-term debt over a mortgage term can cost more overall. We show the lifetime cost, not just the monthly saving.
- Equity release for improvements or deposits
- Debt consolidation with genuine lifetime cost analysis
- Clear warning when consolidation costs more long-term
Common questions
Should I always switch lenders at remortgage?
No. If your current lender's product transfer is competitive and switching adds valuation and legal fees, staying put can be cheaper. We compare the total cost both ways.
How early can I lock a new rate?
Most lenders allow 3–6 months before your current deal ends. We track your expiry and lock early to protect against rate rises.