Whether your current mortgage deal is ending, you want to borrow more, or you're simply checking if there's a better option, we’re here to help you remortgage with confidence.

How much can I afford
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Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

What is remortgaging and why does it matter?

Remortgaging is the process of switching from your current mortgage to a new one, either with your existing lender or a new provider. You don’t need to be moving home to remortgage.

Most people remortgage for one of three reasons:

  • Their current mortgage deal is ending
  • They want a better interest rate or lower monthly payments
  • They want to borrow more money (e.g. for home improvements, debt consolidation, or other large expenses)
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Is remortgaging right for you?

We typically recommend looking at your remortgage options around 4 months before your current deal ends. Acting early gives you more time to secure a competitive rate and avoids getting moved to your lender’s standard variable rate (SVR), which is usually more expensive.

Your fixed or tracker deal is ending soon

You want to reduce your monthly repayments

You’re looking to borrow extra funds against your home

You’d like to pay off your mortgage faster or make it more flexible

Your circumstances have changed, and your current deal no longer fits

What are the benefits?

When done right, remortgaging can offer:

Potential savings

move from 5.5% to 4.5%, for example, and save £1,000s

Potential savings

Access to equity

release funds for renovations, tuition, or debt repayment

Access to equity

Lower monthly payments

by switching rates or consolidating other debts

Lower monthly payments

Faster repayment options

reduce your mortgage term and pay less in interest
Faster repayment options

Clearer financial control

match your mortgage to your lifestyle goals

Clearer financial control

We’ll also help you weigh up any early repayment charges (if applicable) to make sure it’s financially worthwhile.

Our step-by-step remortgaging process

Here’s how we keep things straightforward:

Step 1

1. Free consultation

We’ll chat about your current mortgage, financial goals, and future plans to see what’s possible.

Step 1
Step 2

2. Fact find & mortgage check

We’ll carry out a full review of your circumstances, including income, expenses, and credit score, and recommend the most suitable mortgage products available.

Step 2
Step 3

3. Rate watch & timing

Our Rate Watch service monitors lender offers and helps you lock in a great deal before your current rate ends.

Step 3
Step 4

4. Application & approval

We complete your application, liaise with the lender, and handle the paperwork.

Step 4
Step 5

5. Offer, legal & completion

Once your new mortgage is approved, we help with the legal side and ensure a smooth switchover, no disruption to your home, just better value.

Step 5

Why choose Jigsaw for remortgaging?

Expert advice, tailored to you

100 years of combined experience and access to hundreds of mortgage products

We treat your money like it’s ours

every recommendation is based on what works best for you

Full transparency

we break down the real costs and benefits of remortgaging, in plain English

Support beyond the switch

from protection policies to future remortgages, we’re here for the long haul

Fixed-rate watchlist

we start preparing up to 4 months early to avoid any costly surprises

Common questions about remortgaging

When should I remortgage?

We recommend starting the process about 4–6 months before your current deal ends to avoid moving onto a more expensive SVR.

What happens to my old mortgage?

Your new lender will pay off the old mortgage, the switch is managed for you, and you won’t be making double payments.

How long does it take?

On average, about 2–3 weeks to receive a mortgage offer, and we’ll manage the entire process.

How much does it cost?

Sometimes nothing at all, some lenders offer free legal work and valuation. We’ll make all costs clear up front before you decide.

Can I remortgage before my deal ends?

You can, but it’s not always the best option. If you’re in a fixed deal, you might face early repayment charges. We’ll do the maths to see if it’s worth it.

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Get started

If your current mortgage deal is ending soon, or you’re simply wondering if you could be getting a better rate, now’s the perfect time to have a quick, no-obligation chat. We’ll talk you through your options, explain what’s possible based on your current situation, and help you decide if remortgaging could save you money, unlock equity, or give you greater peace of mind.

Get in touch today to book your free appointment with one of our advisers, no pressure, just clear and honest guidance to help you make the right move.

How can we help you?

Rate match

Know your budget

Get a quick estimate of your buying power based on your income and budget.

How much can I afford
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Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

I need a mortgage in principal
House savings

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Calculate my mortgage

Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

How much can I afford
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