Free guide · PDF · 13 pages
Remortgage Guide
When to start, product transfer or remortgage, raising capital and how to avoid the standard variable rate.
Read onlineServices /
Remortgage & Additional Borrowing
WelcomeHome.
When a fixed rate ends, or when you need to release capital from your property, the right answer is not always to stay with your current lender. We review your existing arrangements against the whole market and tell you plainly whether moving, staying or restructuring serves you best.
How we help
We look at the cost of each option over the period that matters to you, including fees and any early repayment charges, rather than the headline rate alone.
01Rate reviews
We start work several months before your current rate ends, so that a new one can be secured in good time.
02Raising capital
Borrowing more for home improvements, a further purchase or other plans, by remortgage or further advance as appropriate.
03Product transfers, ports & top-ups
Staying with your existing lender, taking your rate to a new home or borrowing more on top. We compare each against the whole market.
04Restructuring
Changing the term, the repayment method or the borrowers named on the mortgage as your circumstances change.
Product transfers, porting & top-ups
Staying with your existing lender is not always the best option, but sometimes it is. We look at what your current lender offers alongside the rest of the market and tell you plainly which route works out better.
Staying putProduct transfer
A product transfer moves you onto a new deal with your existing lender when your current rate ends. There is usually no new valuation, lighter affordability checks and fewer fees, so it can be quick and simple. It is not always the cheapest option, so we compare it with the whole market before you decide.
Most lenders let you secure a new deal around three to six months before your current one ends.Moving homePorting your mortgage
Porting lets you take your existing rate with you when you move, avoiding an early repayment charge. The lender treats it as a new application, reassessing your income and the new property, and any extra borrowing is usually on a separate deal at current rates.
Timing matters: some lenders need the sale and purchase to complete together, or refund the charge only within a set window.Borrowing moreTop-ups & further advances
A further advance adds borrowing with your existing lender, often on a separate sub-account, for home improvements, a deposit for another property or other plans. Expect a full affordability check and sometimes a valuation.
We compare a top-up with a full remortgage, so you see the true cost across all of your borrowing.Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
Scenario 01A fixed rate ending
A homeowner whose five-year fixed rate ends in six months and who expects payments to rise.
We compare a new rate from the current lender with the wider market and secure a rate ahead of the end date where possible.Scenario 02Funding improvements
A family wishing to borrow more to extend their home rather than move.
We compare a remortgage with a further advance, taking any early repayment charges into account.Scenario 03Raising a deposit
An owner releasing equity from their home to fund the deposit on an investment property.
We arrange the capital raise and the new purchase together so that the two timetables align.Frequently
asked questions
When should I start looking?
Around six months before your current rate ends. Many lenders allow a new rate to be reserved several months in advance.
Is it better to stay with my current lender?
Sometimes. A product transfer can be quicker and cheaper, but another lender may offer a better rate or more flexibility. We compare both.
Will I pay early repayment charges?
Only if you leave or change your deal before the end of its initial period and it depends on your mortgage terms. We check this before recommending anything.
How much additional borrowing can I raise?
It depends on the value of the property, your income and the purpose of the borrowing. Lenders set loan-to-value limits for capital raising.
Related reading: Remortgage Guide · Home Mover’s Guide · Damaged Credit & Credit Building Guide · Mortgage calculators
Reviewed by Thomas Boughton CeMAP, October 2026.
Free guides
Everything to think about before your current deal ends or when you move, and how to strengthen your credit file first.
Free guide · PDF · 13 pages
Home Mover’s Guide
What you could afford, porting or a new mortgage, stamp duty, moving costs and keeping your chain on track.
Read online
Free guide · PDF · 13 pages
Damaged Credit & Credit Building Guide
Missed payments, defaults and CCJs: how lenders view them, how long they last and the steps that rebuild your file.
Read onlineArrange a consultation
Tell us when your current rate ends and what you would like to achieve. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. Lending is subject to status, lender criteria and individual circumstances.