Compare remortgages and product transfers, review your rate and explore additional borrowing for your home.
Mortgages for Homeowner Remortgage
When your fixed or introductory rate ends, your mortgage slips onto your lender's Standard Variable Rate (SVR), and that's rarely the cheapest place to be. Remortgaging lets you take back control: switch to a new lender for a better rate, do a product transfer with your current lender, borrow more against the equity you've built, or simply lock in certainty for the years ahead.
Our advisers compare your options across the whole market, including product transfers your current lender won't always volunteer, and remortgage deals that could cut your monthly payment, release equity, or both, and manage the switch so your new deal starts the moment your old one ends.
Remortgage deals by loan-to-value
Your loan-to-value (LTV) is the relationship between your mortgage balance and your property's current value, and it's the single biggest factor in which remortgage rates you'll see. As you pay down your mortgage and (often) as your property value rises, your LTV can improve, unlocking better deals.
Use the tabs below to compare today's lowest true-cost remortgage deals across different LTV bands.
These tables show illustrative best-buy deals for a typical remortgage. Your own rate and options depend on your circumstances. Speak to an adviser for a personalised comparison.
Explore our remortgage resources
From timing your switch to understanding early repayment charges, product transfers and additional borrowing, we've pulled together everything you need to remortgage with confidence.
Explore realistic remortgage scenarios showing how homeowners approach rate switches, borrowing more, consolidation, and timing challenges—plus the factors that typically shape outcomes.
Use this remortgage calculator to estimate how your monthly repayments could change, explore the impact of interest rate and remaining term, and understand how loan-to-value (LTV) may shift.
Answers to common remortgage questions covering timing, costs, early repayment charges, paperwork, and how the process works when you switch deals or lenders.
Browse our remortgage guides: when to remortgage and how timing works, rate switches and product transfers, costs and early repayment charges, borrowing more, paying off your mortgage early, and remortgaging with bad credit or complex income.
How our remortgage service works
Tell Us About You
Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.
Mortgage Match
We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.
Meet your Expert
We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.
Our residential mortgage lenders
These lenders offer residential mortgages. For your remortgage, we compare their criteria and available products against your current deal, borrowing needs and circumstances.
Remortgage Guides
A clear guide to what typically happens when your mortgage term finishes, including repayment vs interest-only mortgages, what to do if you can’t repay a lump sum, and options such as remortgaging or selling.
A timely look at remortgaging and how broker support can help you avoid expensive outcomes when your fixed rate ends.
A clear guide to Help to Buy equity loan remortgages, including when to repay, how repayment and staircasing work, and what to consider when choosing a lender.
A guide to Shared Ownership staircasing for existing owners: how to buy additional shares, the process, lease restrictions, costs, mortgage considerations and reaching 100% ownership.
A practical guide to buying out a partner from a joint mortgage, including how equity is calculated and the common financing routes to become the sole owner.
A practical guide for remortgaging homeowners on the potential benefits and drawbacks of mortgage overpayments, including how lender rules, early repayment charges, and cashflow can affect the outcome.
Understand what it means to remove a partner from a mortgage in the UK, why lenders reassess affordability, and what legal and practical steps are typically involved in a transfer of equity.
Practical steps for homeowners to plan ahead for possible mortgage payment increases in 2026, especially when fixed deals end or remortgaging is due.
A comprehensive guide for UK homeowners approaching the end of a fixed, tracker or discounted mortgage term—covering your options (product transfer, remortgage, or SVR), timing considerations, costs, and practical steps to prepare.
Ready to talk through your remortgage?
Tell us where you are in your mortgage cycle and one of our advisers will come back to you with clear, no-pressure guidance on your next steps, whether that's a product transfer, a full switch, or borrowing more.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- [email protected]
- Postal address
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31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.