Stay, switch, or borrow more.
Let's find out which is right for you.
Your deal's ending, you want to raise additional funds, or you're just wondering if there's something better out there.
We'll see what's available across the whole market — including any options with your lender you might not see direct — and tell you straight whether switching is worth it.
Free, no-obligation initial review. Response within a day, weekends and bank holidays included.
Work in the police, NHS or emergency services?
See our specialist guidanceStay or switch
Sometimes switching is the right move. Sometimes staying put is.
Most people remortgage for one of three reasons. Their deal is ending and they want to know what to do next. They want to borrow more — for a renovation, a house extension, or to consolidate other debts. Or they want to change something about their mortgage — a shorter term to pay it off faster, a more flexible product, or moving from interest-only to repayment.
We're paid by the lender either way, so our recommendation is based on what's right for you — not on whether you switch.
Our job is to work out which of those is right for you. We'll review your current deal, look at what your lender is offering you, see what else is available through the broker channels we have access to, and compare it all against the wider market. Then we'll tell you straight what we'd do in your position. We're paid by the lender either way, so our recommendation is based on what's right for you — not on whether you switch.
A lot of our remortgage clients are police officers, NHS staff, and emergency services professionals — many of them existing clients coming back when their deals end. If your income includes overtime, shift allowances, banding, on-call, or bank shifts, we've handled those situations many times and know which lenders treat them properly when reassessing your borrowing.
Stay or switch
Sometimes switching is the right move. Sometimes staying put is.
Most people remortgage for one of three reasons. Their deal is ending and they want to know what to do next. They want to borrow more — for a renovation, a house extension, or to consolidate other debts. Or they want to change something about their mortgage — a shorter term to pay it off faster, a more flexible product, or moving from interest-only to repayment.
Our job is to work out which of those is right for you. We'll review your current deal, look at what your lender is offering you, see what else is available through the broker channels we have access to, and compare it all against the wider market. Then we'll tell you straight what we'd do in your position. We're paid by the lender either way, so our recommendation is based on what's right for you — not on whether you switch.
A lot of our remortgage clients are police officers, NHS staff, and emergency services professionals — many of them existing clients coming back when their deals end. If your income includes overtime, shift allowances, banding, on-call, or bank shifts, we've handled those situations many times and know which lenders treat them properly when reassessing your borrowing.
We're paid by the lender either way, so our recommendation is based on what's right for you — not on whether you switch.
Step by step
How it works for remortgages
When does your deal end? What rate are you on? What do you owe? A five-minute conversation gives us everything we need to start looking. Even if you don't know all the answers, we can work most of it out from your last lender statement.
We'll get the latest deal your current lender will offer you — which can include broker-channel options not in their standard retention letter — and compare it against deals from across the wider market. You'll see exactly what you could save (or whether you should stay put) with each option, in plain numbers.
If switching makes sense, we apply to your chosen lender and secure a mortgage offer. Most broker applications get to offer within a few weeks, though the lender's underwriting timeline can vary. Then we keep watching the market right up to about four weeks before your deal ends — if a better deal becomes available before then, we'll usually be able to swap to it. You don't have to monitor anything; we do.
A solicitor handles the legal transfer between lenders. Many lenders offer free legal work as part of the deal, in which case the lender arranges it for you. Your new deal starts, your old one ends. Many of our clients say they wished they'd done it sooner.
Tell us about your current mortgage
When does your deal end? What rate are you on? What do you owe? A five-minute conversation gives us everything we need to start looking. Even if you don't know all the answers, we can work most of it out from your last lender statement.
We compare your retention offer against the market
We'll get the latest deal your current lender will offer you — which can include broker-channel options not in their standard retention letter — and compare it against deals from across the wider market. You'll see exactly what you could save (or whether you should stay put) with each option, in plain numbers.
We secure your offer early — and keep watching
If switching makes sense, we apply to your chosen lender and secure a mortgage offer. Most broker applications get to offer within a few weeks, though the lender's underwriting timeline can vary. Then we keep watching the market right up to about four weeks before your deal ends — if a better deal becomes available before then, we'll usually be able to swap to it. You don't have to monitor anything; we do.
Switch complete
A solicitor handles the legal transfer between lenders. Many lenders offer free legal work as part of the deal, in which case the lender arranges it for you. Your new deal starts, your old one ends. Many of our clients say they wished they'd done it sooner.
Good questions
Questions about remortgaging
My adviser has been brilliant throughout the whole remortgage process. They made the whole process really easy and I believe they found me the best deal based on my needs.
Ready to get started?
Free, no-obligation initial review. Whether to switch, stay, or borrow more — we'll tell you straight.