Remortgage with the right mortgage broker
Fix ending? Looking to save on your monthly payments, release equity or borrow more? We search over 100 lenders — including specialists your bank won't tell you about — to find the right deal for where you are now.
reviews
searched
& drop protection
by remortgagers
mortgage products
6 months early
Your new mortgage, from the whole of the market — not just your current bank's shelf.
Why remortgagers pick Montgomery
We help homeowners find a better deal — or stay put with a product transfer if that's the right call — in three simple steps. It’s why we’re rated 5.0 on Google.
Tell us about your current mortgage
Lender, balance, rate, when the fix ends. Ten minutes over the phone or on WhatsApp — whichever works for you.
We search 100+ lenders — including your current one
We compare your lender's best product transfer rate against the whole market. Sometimes staying put wins. Sometimes switching saves thousands. We'll show you the real numbers on both.
Plain-English advice from a real human
Free 20-minute call with a dedicated adviser. No jargon, no sales pressure, no call centres. Same-day slots available.
Lock your new rate 6 months early. If rates drop, we switch you.
We start your remortgage six months before your current fix ends. The rate gets secured — so if the market rises, you're protected. If rates fall before you switch, we'll cancel the old application and resubmit at the new lower rate. No extra fee.
Start my remortgage →Why remortgage?
Whatever the reason — your fix is ending, you want to free up cash, or you've outgrown your current deal — we'll show you every route and tell you which one actually wins.
Your current deal is ending
Avoid the SVR cliffWhen your fix ends you drop onto your lender's standard variable rate — often 7–8%+. We find you a new deal before that happens.
Product transfer
No legals, no affordability checkSwitch to a new deal with your current lender. Quicker, no new underwriting, no solicitor fees. Sometimes cheaper than switching — sometimes not. We check both.
Standard remortgage
100+ lenders comparedMove to a new lender for a better rate, better features or more flexible criteria. Free legal work is standard on most remortgage deals.
Borrow more on your remortgage
Home improvements, debt, depositUse the equity you've built up — fund an extension, a new kitchen, consolidate debts, raise a deposit for a second property or help family buy theirs.
Reduce your monthly payments
Lower rate or longer termStruggling with affordability? We find lenders with more flexible income rules, longer terms, or interest-only options that bring the monthly payment back under control.
Let-to-buy
Rent out your current homeRemortgage your current home onto a buy-to-let deal and use the released capital as a deposit for your next property. We arrange both mortgages in parallel.
Buying an ex out
Transfer of equityIf you're staying in the home alone after a separation, we help you find a lender who'll take on the mortgage in one name — even where the high street won't.
Offset mortgage
Use savings to cut interestLink your savings to your mortgage. You only pay interest on the balance minus your savings — keeping the savings accessible and tax-efficient at the same time.
The ultimate remortgage experience
100+ lenders searched
Whole-of-market — including product transfers with your current lender and specialists the public can't access directly.
6-month early rate lock
We start your remortgage six months ahead. If rates rise, you're protected. If rates fall, we resubmit at the lower rate — no extra fee.
Dedicated adviser
One human from first call to completion — no call centre, no account handoffs, no retelling your story.
Transfer vs remortgage check
We compare your lender's best product transfer rate against the whole market — we'll tell you straight if staying put wins.
WhatsApp updates
Real-time progress from us and the lender. No chasing, no email ping-pong, no "we'll call you back next Tuesday".
10-day average offer
Average time from full application to mortgage offer is just ten days.
Don't take our word for it
Remortgage FAQs.
Quick answers to the questions we hear every week from remortgagers.
Ask a real person →When should I start my remortgage?
Six months before your current fix ends. Lenders hold remortgage offers open for up to six months, so we can lock your new rate now — and if rates drop before completion, we'll cancel and resubmit at the lower rate, no fee. Leaving it later risks dropping onto your lender's SVR (often 7–8%+).
Product transfer or full remortgage — which is better?
Depends on the numbers. A product transfer (stay with current lender) is quicker, no legal fees, no affordability re-check — but their rates aren't always the best. A full remortgage to a new lender can be cheaper but takes longer. We run both side by side so you can see the real cost of each.
Can I remortgage early — before my fix ends?
Yes, but most fixed-rate deals have an Early Repayment Charge (typically 1–5% of the balance) that applies if you leave early. We'll calculate the ERC against the saving from switching, so you know whether it's worth it or worth waiting.
How long does a remortgage take?
Product transfer: usually 1–2 weeks. Full remortgage to a new lender: typically 6–8 weeks from application to completion. Our average from full application to mortgage offer is ten days. We manage the lender and solicitor so it doesn't stall on chasing.
Can I borrow more when I remortgage?
Yes — subject to affordability. Raising capital on a remortgage is common for home improvements, debt consolidation, deposits for a second property, or helping family. We'll check eligibility across the whole market, not just your current lender.
Will remortgaging affect my credit score?
Our initial affordability check and rate comparison use soft searches — no footprint. Only the formal application involves a hard credit check, which has a minor short-term effect and disappears within a few months. Product transfers don't require a new credit check at all.
Let's get you a better rate
Free 20-minute call with a Montgomery mortgage expert. No commitment, no jargon — just a real comparison of your remortgage options.
Talk to an adviser today →