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Which? Mortgage Advisers are unfortunately unable to accept any new customers. We apologise for any inconvenience.
Existing customers can still contact us on 01174 566027

Read the Mortgage and Property advice from Which? to help you find the best solution for your needs or use Money Compare to find the best mortgage for you.

Remortgaging calculator

Your mortgage is likely to be the biggest financial commitment you have. Therefore it makes sense to regularly review your current one to check it’s still the best for you.

Mortgages commonly have early repayment charges, which can make leaving them quite costly. A new mortgage will often need a much lower interest rate to make leaving and paying these charges worthwhile.

The calculator below will help indicate what interest rate a new mortgage would need to save you money.

You can then refer to our mortgage rate table to see if there are mortgage rates low enough.

Please make sure the figures you enter are as accurate as possible. This will ensure the result provided is as realistic as possible.

All fields mandatory

Early repayment charge

Months left on fix

Mortgage required

Amount on repayment

Amount on interest only

Mortgage term

Current rate

Maximum required rate

IMPORTANT – Remember this is a rough calculation only and does not include any costs such as lenders fees, solicitors’ costs or stamp duty. This information does not contain all of the details you need to choose a mortgage and cannot be relied upon in relation to any remortgage application. You should speak to an independent mortgage adviser to get an accurate quote before taking any action.


Does it look like the mortgage rates might be low enough to make switching worthwhile? Speak to one of our mortgage advisers to receive impartial personalised advice and find out whether switching is the right thing for you call


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