Remortgage
your home
- Switch to a more competitive mortgage rate
- Release equity from your property
- Adjust your mortgage to suit your goals
Ways to remortgage your home
Remortgage to a new lender
- Compare remortgage deals across the market
- Review rates, fees, terms and total cost
- Check your options before your current deal ends
Compare remortgage options→
Product transfer
- Review your current lender’s available rates
- Avoid a full remortgage application where possible
- Compare staying with your lender against switching
See product transfer options →
Remortgage to release equity
- Explore borrowing for renovations or other plans
- Check how extra borrowing affects repayments
- Compare equity release with other borrowing options
Explore releasing equity →
Remortgage to change your term
- Extend your term to reduce monthly payments
- Shorten your term to repay the mortgage sooner
- Review how term changes affect total interest
See term adjustment options →
Your home may be repossessed if you do not keep up repayments on your mortgage
When does your current
deal end?
- Lock in a better rate before your deal ends
- Avoid costly standard variable rates by planning ahead
- Take control of your mortgage journey with confidence
What to understand before remortgaging
Is now the right time to remortgage?
Check when to start reviewing your mortgage, what could affect your timing, and whether switching now, waiting, or preparing early may make more sense.
Check your timing →
What could remortgaging cost you?
Look beyond the rate and compare arrangement fees, valuation costs, legal fees and possible early repayment charges before deciding if switching is worthwhile.
See the true cost →
How much could you borrow?
See how your income, equity, property value, credit file and reason for borrowing can affect what lenders may be willing to offer.
Check your borrowing options →
Could you reduce your mortgage payments?
- Compare your current rate with today’s deals
- Estimate how payments could change
- Review your options before your deal ends
Arrange your remortgage
Muttuo compares more than 20,000 mortgage options from more than 100 lenders across the market. Our advisers will help you find the right mortgage based on your needs and circumstances.
How we work in 3 easy steps
Getting a mortgage can feel like a big step, but the process is much easier when you know what happens next.
Muttuo Mortgages helps you compare your options, understand what lenders may look for and move from early advice to application with clear support throughout.
Share your details with Team Muttuo, and we’ll provide you with personalised advice for your remortgage journey.
Our mortgage experts will outline your options and compare over 20,000 deals from more than 100 lenders to find the right solution for you.
Leave it to Team Muttuo; we’ll manage the paperwork and application process, liaise with the lender, and guide you through until your mortgage completes.
Why choose Muttuo Mortgages
Voted best mortgage broker for multiple years, Muttuo combines modern technology with award-winning mortgage expertise. We combine smart tools with real advisers to make buying, moving and remortgaging simpler.
Options from 100+ lenders
We compare more than 20,000 mortgage options across our lender panel to help find the right option for your needs.
Clear, expert guidance
Support from review to completion
Help with more complex remortgages
Remortgage timeline
- Review your current mortgage deal (instant)
- Check your property value and available equity (instant)
- Compare remortgage deals across lenders (1 to 3 days)
- Submit your remortgage application (around 1 week)
- Property valuation takes place (around 2 weeks)
- Receive your new mortgage offer (around 2 weeks)
- Legal work and lender checks are completed (2 to 4 weeks)
- Your new mortgage completes
Want a more detailed breakdown?
How much faster could you repay your mortgage?
- See how overpayments affect your balance
- Estimate how many years you could reduce
- Understand potential interest savings
A complete guide to remortgaging
- When to start reviewing your mortgage
- How switching lenders works
- Ways to reduce payments or release equity
The latest mortgage news
Remortgage questions answered
Clear answers to the questions that matter when reviewing or changing your mortgage.
When should you start looking for a remortgage?
It is sensible to start reviewing your options around three to six months before your current deal ends.
This provides time to compare a product transfer with deals from other lenders, complete any necessary checks and arrange for the new deal to begin at the right time.
Offer validity and cancellation terms vary, so starting early does not mean you need to switch immediately.
Is a product transfer or remortgage better?
A product transfer keeps your mortgage with your current lender, while remortgaging normally means moving it to another lender.
A product transfer may be simpler and involve fewer checks or fees. Remortgaging allows you to compare options from other lenders and could provide a more suitable deal.
Compare the total cost, flexibility, fees and eligibility rather than focusing only on the interest rate.
Can you remortgage before your current deal ends?
You can remortgage before your deal ends, but leaving early may trigger an early repayment charge.
You should compare this charge, any exit fees and the costs of the new mortgage against the potential savings. In some circumstances, waiting or arranging a new deal to begin after the current one ends may provide better value.
What happens when your current mortgage deal ends?
You will normally move onto your lender’s standard variable rate unless you arrange another deal.
A standard variable rate can change and may be higher than the rate you previously paid, which could increase your monthly repayments.
You can consider a product transfer with your current lender or remortgage to a different lender before this happens.
Will lenders reassess affordability when you remortgage?
The checks required will depend on the type of switch and whether your borrowing is changing.
Moving to a new lender will usually involve checks on your income, spending, debts, credit history and property. A straightforward product transfer or qualifying like-for-like switch may be assessed differently.
Additional borrowing or significant changes to the mortgage will normally require further checks.
How much does it cost to remortgage?
Possible costs include product fees, valuation charges, legal work, mortgage advice, exit fees and early repayment charges.
Some remortgage deals include a free valuation, legal services or cashback. However, these incentives do not automatically make a deal cheaper.
Compare the total cost over the initial deal period rather than choosing solely by the advertised rate.
Can you remortgage to release equity?
You may be able to increase your mortgage and receive the additional borrowing as cash, subject to affordability, available equity and lender criteria.
Increasing the mortgage will raise the amount secured against your home and could increase both your repayments and total interest.
If the money will be used to consolidate debts, consider whether spreading those debts over a longer mortgage term could cost more overall.
Things to consider
Mortgage availability and borrowing depend on your circumstances, property value, equity and lender criteria. Remortgaging before your current deal ends may involve early repayment charges and other fees, so a lower rate may not reduce the overall cost. Releasing equity or consolidating debts increases the borrowing secured against your home. Extending the term may reduce monthly payments but increase the total interest paid. Overpayment rules vary by lender, and any timescales shown are estimates.
How to apply
Call Team Muttuo
Talk through your current deal, rate expiry and remortgage options with an adviser. Lines open Monday to Saturday, 9am–5pm.
Start online
Share your current mortgage details to begin exploring your remortgage options.