When should I start looking at remortgaging?

Around six months before your current deal ends. Many lenders let you secure a rate well in advance, which protects you if rates rise, and we can usually still switch if a better option appears before completion.

Is it ever better to stay with my current lender?

Sometimes, yes, a product transfer can be quick and avoids new affordability checks. The honest answer needs both options on the table, which is exactly what whole-of-market advice gives you.

Can I remortgage if my circumstances have changed?

Often, yes. New self-employment, parental leave, a career change, different lenders read these very differently, and our job is to place your case with the one that reads it best.

Remortgaging

The right deal changes. Make sure your mortgage changes with it.

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Loyalty is expensive

When a fixed deal ends, lenders quietly move you onto their standard variable rate, often the most expensive borrowing on their books. Doing nothing is a decision, and it usually costs.

Remortgaging is also a moment of opportunity: restructuring the term, raising capital for improvements or investment, or consolidating borrowing, done properly with advice that looks at the whole picture.

How ERG helps

Timed properly:: We track your deal’s end date and start the search months ahead, so a new rate is secured before the variable rate ever bites.
The whole market, not your bank’s shelf:: Your existing lender will offer you something; we check it against 170+ lenders, including the option of a product transfer when staying put genuinely is the best move.
Capital raising, structured well:: Home improvements, a second property, supporting family, if you’re releasing equity, we structure it so the borrowing fits the purpose and the repayment plan.

Detail, house exterior with scaffolding coming down / fresh render; improvement energy

Who we help

Remortgage cases we handle every week:

Fixed-rate deals ending in the next six months
Homeowners stuck on a standard variable rate
Capital raising for renovations or onward investment
Restructuring after a change in income or circumstances
Borrowers whose situation no longer fits their original lender

Residential Mortgages → Mortgage Repayment Calculator → Self-Employed Mortgages →

Frequently Asked Questions

Around six months before your current deal ends. Many lenders let you secure a rate well in advance, which protects you if rates rise, and we can usually still switch if a better option appears before completion.
Sometimes, yes, a product transfer can be quick and avoids new affordability checks. The honest answer needs both options on the table, which is exactly what whole-of-market advice gives you.
Often, yes. New self-employment, parental leave, a career change, different lenders read these very differently, and our job is to place your case with the one that reads it best.

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Your consultation

A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.

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