Remortgage Your Home

Q: When should I start the remortgage process?

You should start the remortgage process 6 months before your current deal ends to avoid being moved onto your lender's Standard Variable Rate (SVR).

Q: How much equity can I release?

Most lenders allow you to borrow up to 85% or 90% of your property's current value, depending on your circumstances and the lender's criteria.

Q: What is a Product Transfer?

A Product Transfer is when you switch to a new mortgage deal with your existing lender without going through a full remortgage process.

Is your current mortgage deal coming to an end? Or are you looking to unlock equity for home improvements? Our fee-free mortgage broker service compares thousands of deals from across the whole of market to ensure you don’t pay more than you have to.

We help UK homeowners switch lenders or rates seamlessly, without charging a single penny in broker fees.
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How can we help you?

let us know about your circumstances to get your application started

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Why Remortgage with the Fee Free Mortgage Broker?

Most mortgage deals last between two and five years. Once that period ends, you are usually moved onto your lender’s Standard Variable Rate (SVR), which is significantly more expensive.

We start looking for your next deal up to 6 months before your current one expires. By acting early, we can lock in a lower rate and protect you from market fluctuations.

Whether you’re looking for a Product Transfer (staying with your current lender) or a full Remortgage (switching to a new lender for better terms), we handle the entire process for you.

‍100% FEE-FREE: We are paid by the lender, not by you.
Whole of Market: Access to high-street banks and specialist lenders.
Fast & Stress-Free: We manage the paperwork and liaise with solicitors.

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Satisfied customers across our trading group

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Mortgage products across our whole of market panel

Need help? Our support team is here to assist you — contact us now!

Common Reasons to Remortgage

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Your Fixed Rate is Ending: Don't get stuck on a high SVR. We find the most competitive new rates.
Home Improvements: Release equity to fund an extension, a new kitchen, or loft conversion.
Consolidating Debt: Simplify your finances by rolling high-interest debts into your mortgage (think carefully before securing other debts against your home).
Better Flexibility: Switch to a deal that allows overpayments or "payment holidays."
Increased Property Value: If your home has risen in value, you might qualify for a lower Loan-to-Value (LTV) band with much cheaper rates.

FAQs about fee free mortgage brokers

We strive to make our loan process simple and accessible to everyone.

When should I start the remortgage process?

Ideally, 6 months before your current deal ends. This gives us time to secure a rate. If rates drop further before your completion date, we can often switch you to the even better deal.

Can I remortgage if I am self-employed?

Absolutely. We work with many lenders who specialise in self-employed applicants, using your latest accounts or SA302s to prove affordability.

How much equity can I release?

Most lenders allow you to borrow up to 85% or 90% of your property’s value for a remortgage, depending on your income and the reason for borrowing more.

Will I have to pay an Early Repayment Charge (ERC)?

If you switch before your current deal officially ends, you might. We calculate whether the savings on a new deal outweigh the cost of any exit fees, ensuring you are always financially better off.

What is a "Product Transfer"?

This is simply switching to a new deal with your existing lender. It’s often faster as it doesn't require a new legal process. We check if your current lender's best offer beats the rest of the market to ensure you’re getting the top deal.

Documents required for Remortgaging

Your latest mortgage statement.

Last 3 months of payslips or latest tax year overview (if self-employed).

Last 3 months of bank statements.

Proof of ID (Passport/Driving Licence).

Know more

Legal Information :

Fee Free Mortgage Broker is a trading style of Alexander Southwell Mortgage Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA) (FRN 1011890).
Registered in England & Wales (Company No. 11772228).
Registered office: Nix Business Centre, 2 Park Court, Abbey Park Industrial Estate, Romsey, Southampton, SO51 9DH. We are registered with the Information Commissioner’s Office, registration number ZA488146.© 2062 , Inc. All rights reserved.

FCA Disclaimer :

Information on this website is for general guidance only and is accurate at the time of writing. It does not constitute personalised financial advice. Mortgage criteria and lender policies can change; please speak to an FCA-authorised adviser for up-to-date advice tailored to your circumstances. Some buy-to-let mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Remortgage Your Home

How can we help you?

let us know about your circumstances to get your application started

Why Remortgage with the Fee Free Mortgage Broker?

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Common Reasons to Remortgage

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FAQs about fee free mortgage brokers

When should I start the remortgage process?

Can I remortgage if I am self-employed?

How much equity can I release?

Will I have to pay an Early Repayment Charge (ERC)?

What is a "Product Transfer"?

Documents required for Remortgaging

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