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We'll search thousands of deals to see if you could save
We’re part of Which?, the independent consumer champion, and we make sure your interests come first. All our advisers are completely impartial and CeMAP qualified - so you can count on their expert knowledge. Watch our short video to meet our team and find out how we can help you get the right deal for you.
Remortgaging need not be a hassle. In fact, it’s something we should all think of regularly to make sure we’re still on the best mortgage deal.
It’s important to start shopping around for a new offer before you get transferred onto your lender’s standard variable rate (SVR) – this could be higher than your current rate.
The rate you will be offered on a remortgage deal will vary according to a range of factors. These can include:
The same factors you had to consider when taking out your first mortgage will all affect how much you’re able to borrow and the flexibility you can have from a new mortgage deal.
The Which? mortgage comparison tables let you search all available deals from all available lenders to choose the best deals based on quality of service as well as cost and benefits.
Which mortgage comparison table: Remortgaging deals – compare the best deals on the market
There are a range of different remortgage products available on the market, and it’s possible to shop around for the type which suits you best.
In essence, these types of deals could be no different to the first mortgage you take out. But depending on your financial situation at the time that your first, or subsequent, mortgage deals have come to an end, as well as the state of the mortgage market itself, you may want to consider a different type of remortgage.
Remortgaging your home can be expensive and you should take the fees associated with remortgaging into account when weighing up the pros and cons of switching to a new remortgage deal.
Remortgage fees essential information
It’s important to check the cost of mortgage fees carefully, as they can easily add up to thousands of pounds. Although when compared to the overall cost of your mortgage loan a thousand pounds may seem like a small amount, if you’re remortgaging every few years then these fees could soon add up to a significant amount.
Don’t add remortgage fees to your loan
You may be given the option to not pay the upfront fees for remortgaging, and instead adding them to your overall loan. Which? advises caution here – interest will be added to these fees, meaning that you that the overall cost could be much higher over the longer term.
The Which? mortgage comparison tables let you search all available remortgaging deals from lenders large and small to choose the best deals based on quality of service as well as cost and benefits.
You won't pay for your initial consultation. If you decide that you'd like us to help with your application, we'll charge a fee of £499 to cover our administration costs.
This is paid in two parts:
A first instalment of £299 when we start. This fee is non-refundable and payable on application.
A second instalment of £200 once you complete your mortgage. If you're a full Which? Member when you first get in touch, this is £100 (this does not include temporary or trial membership).
*These amounts are subject to change. These charges apply to each mortgage contract you enter into through us. Once you've spoken to an adviser and provided details on your specific requirements, we'll confirm the exact fee to be paid and when it will be collected.
On most mortgage applications we receive a commission fee from the lender on completion. This is separate from our administration fee and is additional fee we receive.
Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071
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