Whether your current deal is ending or you’re looking to reduce your monthly payments, remortgaging can help you take control of your finances. Mortgage Heroes compare deals across the market to find the right mortgage for your next step.
We compare mortgages to find the right deal for your situation. From high street banks to specialist lenders, we compare thousands of deals to secure the right mortgage for you.
Remortgaging is when you switch your existing mortgage to a new deal – either with your current lender or a different one.
People remortgage for a range of reasons, including:
If you’re moving home, you may want to explore our Home Mover Mortgages advice instead.
If you’re looking to release funds later in life, our Equity Release service may be more suitable.
The most common time to remortgage is when your current deal is about to end.
At this point, and without taking action, you’ll usually move onto your lender’s standard variable rate (SVR), which is often higher.
Start reviewing your options 3-6 months before your deal ends to avoid paying more than you need to.
Yes, but there may be early repayment charges (ERCs) if you leave your current deal before it ends.
In some cases, switching early can still save money – especially if better rates are available or your circumstances have changed.
We’ll help you weigh up the costs vs the savings.
Remortgaging can help reduce your monthly payments, especially if:
We’ll compare deals across the market to show you what’s possible.
Yes – many homeowners use remortgaging to release equity for things like:
The amount you can borrow depends on your income, affordability, and property value. Something to think about. You need to make sure that you can afford the increased payments, as using your mortgage as a debt consolidation plan can come with risks. Speak to a professional mortgage adviser so that you can make an informed decision.
Remortgaging with your current lender might be quick – but it’s not always the best deal.
We:
We make remortgaging simple, stress-free, and tailored to you.
When we talk about protection, we’re talking about insurance, cover that steps in when life doesn’t go to plan. Whether it’s life assurance, critical illness cover, or income protection, it’s all designed to support you and your family when you need it most.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters. We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances. With our support, you can feel confident you’re making the right choice for yourself and your family.
Life assurance is designed to give your loved ones financial support if you’re no longer around. It pays out a lump sum if you pass away during the policy term, helping cover things like the mortgage, day-to-day living costs, or future plans such as education.
It’s not something anyone likes to think about, but having cover in place can bring real peace of mind. You’ll know that, whatever happens, the people who matter most to you will be taken care of.
There are different types of life assurance depending on your needs, and we’re here to help you choose the right one, with clear, honest advice that puts your family’s future first.
Critical Illness Cover is designed to give you financial support if you’re diagnosed with a serious illness like cancer, a heart attack, or a stroke. It pays out a one-off lump sum that you can use however you need, to help cover your mortgage, household bills, or even private treatment while you focus on getting better.
It’s not always easy to think about these things, but planning ahead means you won’t have to rely on savings or loved ones if your health takes a turn. We’ll help you choose the right cover, based on your needs and budget, with clear advice and no pressure.
Income Protection is designed to support you financially if you can’t work due to illness or injury. It pays out a regular monthly income to help you cover essential bills, like your mortgage or rent, utilities, and everyday living costs, so you can focus on recovery, not money worries.
Whether you’re employed or self-employed, this cover acts as a financial safety net when your usual income stops. We’ll help you find the right policy for your needs and budget, with clear, honest advice and no pressure.
ASU cover is designed to give you short-term financial support if you can’t work due to illness, injury, or redundancy. It pays a monthly income to help you manage essential costs like your mortgage or rent, bills, and day-to-day living expenses, giving you breathing space when life takes an unexpected turn.
It’s particularly useful if you don’t have much in savings or your employer offers limited sick pay or redundancy support. We’ll guide you through your options and help you decide if ASU cover is the right fit for your circumstances, with no jargon or pressure.
Your home is likely to be your most valuable asset, and what’s inside it matters just as much. Buildings and contents insurance protects both the structure of your home and your belongings, giving you peace of mind that, if the unexpected happens, you won’t be left facing the cost alone.
Whether it’s damage from a fire, flood, or storm, or the loss of personal items due to theft, this cover helps you put things right. We’ll help you find the right level of protection for your home and everything in it, at a fair price, with no jargon and no pressure.
Family Income Benefit is a type of life insurance that pays out a regular monthly income to your loved ones if you pass away during the policy term. Instead of a one-off lump sum, it provides steady financial support, helping cover everyday living costs, household bills, and family expenses over time.
It’s designed to make life easier for those left behind, offering practical support when it’s needed most. We’ll help you choose the right cover for your family, with advice that’s clear, personal, and pressure-free.
If your current deal is ending or you want to see if you could save money, we’re here to help. Speak to Mortgage Heroes and find out what remortgaging could do for you.
Get expert mortgage advice, compare deals from across the market, and find out how much you can borrow.
Remortgaging is switching your current mortgage to a new deal, either with your existing lender or a new one.
