Should you remortgage?
Remortgaging means switching your existing mortgage to a new deal, either with your current lender or a new one. People often remortgage when a fixed or introductory rate is ending, to avoid slipping onto a lender’s higher standard variable rate.
Whether it is worth it depends on more than the headline rate — arrangement fees, any early repayment charges on your current deal, and how long you plan to stay all matter. We weigh these up for you so the saving is real, not just on paper.
Ready to check? See how our mortgage advice works or estimate what overpaying could save you.