Deal ending, plans changing or thinking about borrowing more? Understand your options before deciding whether to switch.
Compare the full cost and the lender’s requirements. A new mortgage does not automatically mean a saving.
Review a new rate, features and the costs of moving your mortgage. The lender must accept your circumstances and property.
Compare the deals your current lender offers. A straightforward product transfer may involve a simpler process.
Discuss the purpose, amount and affordability of extra borrowing. Compare the available routes and their total cost.
Explain how your business and earnings have changed. Ask what accounts and tax evidence the lender needs.
Use your current immigration status accurately, including any change since your last mortgage. See the focused guidance below.
Tell us about payment problems, dates and outstanding balances before applying. A previous mortgage does not guarantee acceptance.
Discuss your move before committing to a new deal. Porting and any extra borrowing depend on lender approval.
Explain your share, existing loan and any plans to buy more of the property. The lender and scheme requirements matter.
Use the buy-to-let route for a rental property. Explain ownership, tenancy and rental income so the right assessment can be considered.
Tell us when your deal ends and what you want to achieve. Broad details are enough to begin; please do not send account numbers, share codes or sensitive documents through this form.
We discuss your current mortgage, investigate suitable options and explain the recommendation. Compare the costs of switching with the arrangements you already have. The lender makes the lending decision.
A remortgage normally replaces your mortgage with one from a different lender while you keep the property. A new deal from your current lender is usually called a product transfer.
You might want to change the rate, term, features or amount borrowed. Each route has different costs and checks. Staying with your current arrangements may be appropriate.
EU Settlement Scheme settled status allows you to explore remortgage options, but a lender still assesses your income, affordability, credit history and property. Having an existing mortgage does not guarantee a new application.
Tell your adviser if you have moved from pre-settled to settled status or hold another immigration permission. Use your current position accurately. A status change does not automatically improve the rate or make switching worthwhile.
Read the settled-status mortgage guide or use our visa mortgage guidance for other permissions.
A straightforward product transfer may use a simpler process without a fresh affordability assessment, subject to the lender’s conditions. Do not assume there are no checks. Extra borrowing or changing borrowers can require a different assessment.
Compare the deals, charges and mortgage term before deciding. A longer term can reduce monthly payments while increasing total interest.
If you want funds for home improvements or another purpose, discuss the amount, use and repayment plan. Compare a remortgage with options from your current lender and other suitable borrowing routes. Additional borrowing depends on the lender’s assessment.
Thinking of repaying other debts? Securing previously unsecured debt against your home puts it at risk. Spreading repayment over a longer term may increase the total cost. Consider alternatives before deciding.
Compare suitable options over the same borrowing amount and period. Look at the payments, fees and balance remaining at the end, rather than the headline rate alone.
Fees added to the mortgage can attract interest. Read our remortgage costs guide and Terms of Business.
Begin with what matters to you: payment stability, flexibility, a shorter term or a different borrowing amount. Then consider how each suitable option fits your plans.
A lower monthly payment can result from extending the term and may mean more interest overall. Our product-transfer guide and same-lender guide explain the alternatives.
It may be possible, but payment problems can restrict the lenders and terms available. Explain what happened, when it happened and whether balances or arrangements remain outstanding.
The lender considers the credit record alongside affordability, the property and its criteria. An existing mortgage, a larger equity stake or a guarantor does not guarantee acceptance. If you have been declined, investigate the reason before making further applications.
Explore remortgaging with bad credit. If you are struggling with current payments, contact your lender promptly rather than waiting for a new application.
Review your options before the current deal ends. Starting several months ahead can give you time to collect information and compare the costs.
Ask when your lender permits a switch and when another lender will accept an application. Rate reservations and offer periods vary. Check the early repayment charge before agreeing a completion date.
If a move is likely, discuss it before taking a new deal. Read about porting a mortgage.
A new lender normally assesses your circumstances and property. It may ask for evidence of income, spending, credit commitments and immigration status where relevant.
A straightforward product transfer can follow a different process. Extra borrowing or borrower changes may involve additional checks even with your current lender. Ask which route applies to your plans.
For remortgaging, the property’s value and proposed loan matter; a new cash deposit is not a universal requirement. You may still need funds for fees or to reduce the borrowing.
We agree applicable fees before undertaking chargeable work and may receive commission from the lender. Check the amount, payment stage and refund terms in your case. Read our Terms of Business and business information.
When evidence is needed, our mortgage document guide explains the usual starting points. Wait for secure instructions before sending documents.
General guidance checked on 7 September 2026. See MoneyHelper’s remortgage guidance. Product terms and lender criteria can change.
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