Re-mortgages
Find a Better Mortgage Deal with Market Advice
Whether your current deal is ending, you’re stuck on a high interest rate, or you’re looking to release equity, remortgaging could help you save money or unlock funds tied up in your home.
At Alphakey Mortgages, we offer whole-of-market remortgage advice—meaning we compare deals from across the UK mortgage market to find the most suitable option for your financial goals. Whether you’re staying with your current lender or switching to a new one, we make the process straightforward, fast, and stress-free.
Re-mortgage FAQs
When should I start looking to remortgage?
Ideally, around 3 to 6 months before your current deal ends. This allows time to secure a new deal and avoid defaulting to a higher variable rate.
Can I remortgage early?
Yes, but check whether your current deal has early repayment charges. In some cases, switching early still makes financial sense—we’ll do the maths for you.
Will I have to pay fees to remortgage?
Possibly. Some deals include arrangement or legal fees, while others are fee-free. We’ll explain all costs upfront and help you avoid unnecessary charges.
Can I switch lenders when I remortgage?
Yes. You can remortgage with your existing lender (a “product transfer”) or switch to a new lender for a better deal. We compare both routes for you.
Can I remortgage if my circumstances have changed?
Yes. Even if your income, employment, or credit score has changed, we work with lenders who are flexible and understand real-life situations.
Ideally, around 3 to 6 months before your current deal ends. This allows time to secure a new deal and avoid defaulting to a higher variable rate.Yes, but check whether your current deal has early repayment charges. In some cases, switching early still makes financial sense—we’ll do the maths for you.Possibly. Some deals include arrangement or legal fees, while others are fee-free. We’ll explain all costs upfront and help you avoid unnecessary charges.Yes. You can remortgage with your existing lender (a “product transfer”) or switch to a new lender for a better deal. We compare both routes for you.Yes. Even if your income, employment, or credit score has changed, we work with lenders who are flexible and understand real-life situations.
Why Remortgage? Common Reasons Include:
Secure a Lower Interest Rate
Avoid rolling onto your lender’s Standard Variable Rate (SVR) by switching to a more competitive deal—potentially saving hundreds each month.
Release Equity
Remortgaging lets you access funds for home renovations, school fees, debt consolidation, or other major expenses.
Fix Your Payments for Certainty
Lock in a fixed rate for 2, 5, or even 10 years—ideal if you want to protect against rising interest rates or budget with confidence.
Tailored Advice
Whether you’re self-employed, have multiple incomes, or have an unusual property, we help you navigate lender criteria with ease.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Residential Mortgages
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-To-Let Mortgages
Specialist Lending
We offer flexible lending solutions for unique situations
Specialist Lending
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
Life Insurance
Protect your family’s future, no matter what.
Life Insurance
Insurance & Protection
Personalised cover for life, income, health, home, and more.
Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.