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Today's Best Buy Remortgages
Type
Product
Interest Rate
Monthly Payment
Type
Type
Product
Product
Interest Rate
Interest Rate
Monthly Payment
Monthly Payment
Residential
5 year fixed
3.98%
£1,250
Type
Residential
Product
5 year fixed
Interest Rate
3.98%
Monthly Payment
£1,250
Residential
2 year fixed
4.09%
£1,267
Type
Residential
Product
2 year fixed
Interest Rate
4.09%
Monthly Payment
£1,267
Residential
5 year tracker
5.25%
£1,455
Type
Residential
Product
5 year tracker
Interest Rate
5.25%
Monthly Payment
£1,455
Residential
2 year tracker
5.25%
£1,342
Type
Residential
Product
2 year tracker
Interest Rate
5.25%
Monthly Payment
£1,342
Buy To Let
5 year fixed
4.27%
£1,299
Type
Buy To Let
Product
5 year fixed
Interest Rate
4.27%
Monthly Payment
£1,299
Buy To Let
2 year fixed
4.30%
£1,302
Type
Buy To Let
Product
2 year fixed
Interest Rate
4.30%
Monthly Payment
£1,302
Why Choose Next Mortgage Steps for Your Remortgage?
Avoid Higher Rates
Secure a new mortgage deal before your current one ends to prevent moving onto your lender's potentially more expensive variable rate.
Compare Multiple Lenders
Access a wide range of remortgage options to find a deal that suits your financial situation, whether staying with your current lender or switching to a new one.
Release Equity for Your Needs
Explore options to borrow more against your property's value for purposes like home improvements or consolidating debts, ensuring you understand the implications and benefits.
Free Expert Advice
Receive personalised free advice from mortgage specialists who can navigate you through the remortgaging process, helping you understand eligibility criteria and documentation requirements.
Understand All Costs
Gain clarity on potential fees associated with remortgaging, including arrangement, valuation, and legal fees, and learn how some deals may offer incentives like free legal work.
Comprehensive Protection Solutions
Beyond mortgages, we advise on life insurance, critical illness cover, income protection, and family income benefit to safeguard your future.
FAQ's
Q: What is remortgaging?
A: Remortgaging means switching your current mortgage to a new deal — either with your existing lender or a new one. Most people do this to get a better interest rate, borrow more money, or change their mortgage term.
Q: When should I start looking to remortgage?
A: It’s best to start looking 3 to 6 months before your current deal ends. This gives you time to compare rates and avoid being moved onto your lender’s standard variable rate, which is usually more expensive.
Q: Can I remortgage early?
A: Yes, but check for early repayment charges on your current mortgage. In some cases, the savings from switching may still outweigh the cost of the fees — we can help you work that out.
Q: How much can I save by remortgaging?
A: Savings vary, but many people reduce their monthly payments by £100 or more by switching to a lower rate. Use our free remortgage calculator to see your potential savings.
Q: What documents do I need to remortgage?
A: Typically, you’ll need:
● Proof of income (payslips or tax returns)● Bank statements● Current mortgage statement● Proof of ID and Address
However documentation can vary slightly depending on your specific circumstances - We will advise you on exactly what is required.Q: Will I need a solicitor to remortgage?
A: Yes, but many remortgage deals include free legal work, or you can use your own solicitor. If you're staying with the same lender (“product transfer”), legal work may not be needed.
Q: What are the fees involved in a remortgage?
A: Potential costs may include:
● Arrangement/product fees● Valuation fees● Legal fees (often free with products/deals)● Early repayment charges (if exiting a fixed period early)
We won't ever charge you a fee for advice and we'll help you find deals that minimise or remove the costs listed here.Q: Can I remortgage if my credit isn't perfect?
A: Yes, there are lenders who cater to people with less-than-perfect credit. It may affect the deals available, but a remortgage is still possible in many cases. You can obtain a free credit report here to understand your credit position in detail.
Q: Do I have to change lenders to remortgage?
A: No — you can stay with your current lender and switch to a new deal (this is called a product transfer). It’s often quicker, though switching lenders might save you more. We'll compare mortgage rates offered by your current lender and hundreds of other lenders to make sure you're getting the best rate for your situation.
Q: Can I remortgage if I'm self-employed?
A: Yes — lenders will usually ask for 2 years of accounts or tax returns however some lenders will request less. We can guide you through the process and help you find suitable deals.
Q: What if my home has gone up in value?
A: If your home's value has increased, you may be eligible for better rates due to a lower loan-to-value (LTV) — which means lenders see you as lower risk.
Q: How long does remortgaging take?
A: The process typically takes 3–6 weeks if switching lenders. It may be faster if you're staying with your current one.
We Make Complex Simple
We make the remortgaging process as simple as possible for homeowners
Coming to the end of your fixed rate? We simplify the process with expert mortgage advice, step-by-step guidance, and support from pre-approval to completing the switch. Backed by experience from top UK banks and brokerages, we make getting your new mortgage product easy, stress-free, and tailored to you. Compare remortgage rates, get prequalified, and learn everything you need to know—all in one place.
Mission
Our goal is to guide homeowners in Wiltshire, Somerset and across the UK through their next mortgage steps with clarity and confidence. With a friendly touch and years of industry know-how, we turn confusion into clarity—from understanding your credit score, comparing the best mortgage rates to pre-approval.