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.

Remortgage Broker Coventry & Warwickshire

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

Potential savings

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

Access to equity

release funds for renovations, tuition, or debt repayment

Lower monthly payments

by switching rates or consolidating other debts

Faster repayment options

reduce your mortgage term and pay less in interest

Clearer financial control

match your mortgage to your lifestyle goals

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

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

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

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

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

While switching lenders can involve legal, valuation, and arrangement fees, many lenders offer "fee-free" remortgage packages that cover these standard setup costs to entice your business. At Jigsaw Independent Mortgage Specialists Ltd, we calculate whether paying a small fee for a drastically lower interest rate saves you more money overall.

You can secure a new remortgage rate up to 6 months before your current fixed-rate deal ends. This allows you to protect yourself against rising rates while avoiding any Early Repayment Charges (ERCs) from your current lender.

Yes. If your property's value has increased or you have paid down a significant portion of your loan, you can remortgage to raise extra capital. Niche lenders across the West Midlands have highly flexible criteria for equity release, provided affordability checks are met.

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?

Know your budget

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

Get mortgage in principle

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

See your monthly payments

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

Find out what you can afford in minutes

Get clarity before you start house hunting

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

A quick check, with no impact on your credit score

The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure.

Plan with confidence, whatever your next step

Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Independent Remortgage Broker in Coventry & Warwickshire

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?

Is remortgaging right for you?