Refinance & rate-switch calculators
Coming off a sub-2% fix into a 5% market is a payment shock of £300+/month for a typical mortgage. Model your figures now so you can lock in the sharpest deal early.
Fixed-rate expiry impact calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More refinance & switching calculators
Product transfer calculator
Existing-lender switch, no re-affordability check, minimal paperwork.
Mortgage switch calculator
New-lender remortgage: valuation, legal, ICR/affordability, fee options.
Rate change impact calculator
Every 1% on £250k over 25 years = ~£140/month payment change.
Fixed-rate expiry calculator
Payment shock modelling for coming off a sub-3% fix.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
How early can I switch my UK mortgage?
Up to 6 months before your current deal ends with most UK lenders. Rate is held with no obligation — if rates drop, you can re-book.
Product transfer or remortgage — what's the difference?
Product transfer is faster and easier (same lender, no legal work) but rarely the best rate. A remortgage to a new lender usually saves more but takes 6–8 weeks. A broker will show both side by side.
What happens if I don't remortgage when my fix ends?
You roll onto the lender's Standard Variable Rate (SVR) — currently 7–9% for most UK banks. Payment jumps by £200–£800/month on a typical loan. Always switch before rollover.
Can I remortgage before my fix ends without ERC?
Only if you're within the last 6 months (some lenders 3). Otherwise the ERC applies, and it usually outweighs the saving. Exceptions: porting to a new property, or if the ERC is very small.
Do I need a solicitor to remortgage in the UK?
Yes, but most remortgages come with free legals (lender pays a panel firm). Only capital-raising or complex title changes usually need paid conveyancing.
Will a remortgage affect my credit score?
One hard search per application. Multiple applications in a short window hurt more than one — which is why using a broker (one soft search across many lenders) is safer.