Remortgage with the same lender
Need to change more than your mortgage rate?
Explore your remortgaging options with the same lender and secure your financial future.
You may be able to change your mortgage while staying with your current lender. The process depends on what you want to change: the rate, the amount borrowed, the people responsible for the debt or the repayment arrangements.
If you only want a new rate on your existing borrowing, start with our product-transfer guide. This page explains wider changes and the questions to resolve before you commit.
Explain all intended changes together. A lender’s online rate-switch option may not support a more complex request, and it may require changes to be completed in a particular order.
You can ask about additional borrowing, but an existing mortgage is not approval for a larger loan. The lender will consider the purpose, affordability, property value and its criteria. The extra borrowing may sit in a separate mortgage part with a different rate or deal-end date.
Ask whether the existing deal can stay in place, which rate applies to each part and what fees or early repayment charges arise. Compare the combined payments and total cost with any suitable remortgage alternatives.
Money released from equity is additional debt secured against your home. If you consolidate unsecured debts, you could put your home at risk and pay more overall by extending repayment. Consider alternatives and obtain advice before proceeding.
The lender must agree to the change. Removing someone from the title or making a private arrangement between you does not, by itself, release that person from their mortgage obligations.
The proposed borrowers may need to demonstrate that they can afford the loan under the lender’s policy. If someone is leaving, explain whether any money must be raised to buy their share and whether they will continue living at the property. Those details can affect the process.
A conveyancer can advise on ownership, any transfer of equity and possible tax implications. Legal work and charges may apply even though the lender stays the same. For joint borrowing responsibilities, see our joint mortgage guide.
Ask the lender how it assesses the specific change. On a repayment mortgage, a longer term usually reduces the monthly payment but increases total interest, assuming other terms stay the same. A shorter term generally has the opposite effect and needs to be affordable.
Moving to interest-only is a different decision: monthly payments do not reduce the capital, so you need an acceptable way to repay the balance. A permanent change should not be confused with temporary payment support.
If repayments are becoming difficult, contact your lender early about support. Some support arrangements have different assessment rules, conditions and longer-term costs. Do not assume that a rule for a simple rate switch covers a term or repayment-method change.
Tell your adviser about a new job, self-employment, reduced income or a change from pre-settled to settled status. The relevant information depends on the transaction. Extra borrowing or a borrower change can require a fresh assessment even when a rate-only switch would follow a simpler route.
For joint applications, explain each person’s current status and income. Do not assume the lender will accept both incomes or that one applicant’s settled status resolves every requirement. Our settled-status mortgage guide covers the wider status questions.
A higher salary may affect affordability, but it does not itself change your loan-to-value ratio. Loan-to-value compares the mortgage borrowing with the lender’s valuation of the property. These are separate parts of the assessment.
Provide accurate information and ask which evidence is required. Mortgage advice does not determine immigration permission; uncertain status or immigration conditions need appropriate qualified advice.
Staying with the lender does not make every change fee-free or quicker. Obtain a written cost breakdown and confirm what happens if one part of the request is declined or delayed. Do not commit to a completion date based only on a rate-switch timetable.
Start by telling us your current lender, approximate balance, deal-end date and the changes you need. Mention any deadline, previous decline or change affecting the applicants. We can clarify the mortgage options to investigate and confirm which parts of the process we can support; some requests need direct contact with your lender or conveyancer.
We explain and agree applicable fees before chargeable work and may receive commission from the lender. Read our Terms of Business and ask about the amount, payment stage and refund terms for your case.
Discuss changes to your existing mortgage. Broad details are enough for an initial conversation. Wait for secure instructions before supplying mortgage account numbers, identity, immigration or financial documents.
Guidance checked on 7 September 2026. Primary examples: Nationwide’s borrower-change process, Halifax’s switching and additional borrowing, and Halifax’s term-change guidance. These illustrate different processes, not universal criteria or confirmation of Count Ready’s lender access. Policies can change. Your home may be repossessed if you do not keep up repayments on your mortgage.
It depends on the change. A simple rate switch may use a lighter process, while additional borrowing or a borrower change can involve credit and affordability checks. Ask which checks apply before submitting the request.
Some lenders allow a borrower change without replacing the current deal, but this is not a universal rule. Confirm the rate, fees and conditions for your application. The proposed borrowers must meet the relevant requirements.
No. Loan-to-value is the borrowing compared with the lender’s property valuation. A pay rise can affect affordability, but does not itself change either of those figures.
A rate-only switch usually does not involve an ownership transfer. Adding or removing an owner can require legal work. Ask your lender and conveyancer what is needed and obtain a quote for the relevant work.
Some lenders allow requests to be coordinated, while others require separate stages. Check when each change takes effect, whether existing borrowing keeps its rate and whether any early repayment charge applies.
Contact your current lender promptly about the payment difficulty and available support. Missed payments can affect the options for borrowing or changing the loan. Do not assume you must take a new mortgage or that a new deal will resolve arrears.
