Remortgage advice that saves you money
Your fixed rate ending soon? We'll find you a better deal before your payments go up.
Free, 30 to 60 minutes, by video or phone.
Nothing to prepare, just bring your questions.
Overview
Your fixed rate is ending soon, or maybe it already has. Either way, we'll help you find your next deal.
When a fixed rate ends and nothing else is in place, your lender automatically moves you onto their standard variable rate. That's almost always higher than what's available elsewhere on the market. On a £300,000 mortgage, falling onto the SVR can mean paying an extra £400 to £600 every month.
We help homeowners across North London and Hertfordshire avoid that. Whether you want to lock in a new fixed rate, release equity, switch lenders, or change the type of mortgage you have, we'll search the whole market and recommend what's actually best for your situation.
Most clients come to us six months before their deal ends. That gives us time to lock in a competitive rate, monitor for better deals, and make sure the switch happens without a single day on the SVR.
Related reading: our guide on when you should remortgage.
How it works
Book a free call
30 to 60 minutes, by video or phone, at a time that suits you. No commitment, no pressure.
We find the right deal
We search the whole market to find the mortgage that fits your situation and goals.
We handle everything
From application to completion, we do the heavy lifting so you don't have to.
How we help
We search over 90 lenders, not just one.
Your bank can only offer you their own products. We compare the entire market so you see every option available to you.
We act early so you never fall onto the standard variable rate.
Most lenders let us lock in a rate up to six months before your current deal ends. If rates drop, we switch you to the better deal. If they go up, you're already protected.
We handle the whole process for you.
From application to completion, we deal with the paperwork, the lender, and the legal side. You don't have to chase anyone or fill in long forms.
We give you a clear recommendation.
No long lists of options to choose between. We tell you what we'd do in your position and explain why.
★★★★★
We had a number of challenges remortgaging our property through another broker, so we approached Solomon and he was really patient and helpful throughout. He was able to overcome the challenges and we now have a new mortgage thanks to him. Highly recommended service with Kudos
Common questions
Six months before your current deal ends. That gives time to lock in a rate, monitor for better deals, and complete the switch before you fall onto your lender's standard variable rate.
The standard variable rate (SVR) is what your lender automatically moves you onto when your fixed deal ends. It's usually 3 to 4 percentage points higher than competitive fixed rates, which can add hundreds of pounds to your monthly payments.
Moving to a new lender? Typically 4 to 8 weeks from application to completion. Staying with your existing lender (a product transfer) can sometimes complete in days. Starting early means you're not rushed and have time to find the best deal.
Yes. Lenders look at affordability based on your current situation. Whether your income has gone up, down, or stayed the same, we'll find lenders who consider your specific circumstances rather than rejecting your application outright.
It depends. Staying with your current lender (called a product transfer) is faster and usually doesn't require new affordability checks, but you only see their rates. Switching to a new lender opens up the whole market and can mean better deals. We compare both options and recommend what's best for you.
Usually not. Most of the mortgages we arrange come with no broker fee. For buy-to-let, shared ownership, adverse credit, or mortgages under £100,000, a fee may apply, usually between £295 and £495. We'll always tell you the exact fee upfront, before you commit to anything.
Yes. Many people remortgage to release equity for home improvements, consolidating debt, or other purposes. We'll explain your options and how much you can release based on your property's current value.
Let's get your mortgage
sorted.
A free call, 30 to 60 minutes, by video or phone. No obligation, no jargon. Just honest advice. Nothing to prepare, just bring your questions.
Book a free callYour home may be repossessed if you do not keep up repayments on a mortgage secured against it.