If your fixed rate is ending — or you're already on your lender's standard variable rate — there's a very good chance you're paying hundreds more than you need to every month.
When your fixed-rate deal ends, your lender will typically move you to their Standard Variable Rate (SVR) — often 2–3% higher than the best deals available elsewhere. On a typical mortgage that can easily mean £200–£400 extra per month for doing nothing.
We recommend starting your remortgage review 3–6 months before your current deal expires. We can lock in a new rate early, which means you're protected if rates rise — and there's no cost to you if things change before completion.
Remortgaging isn't just for saving money on your rate — though that's usually the main one. Here are all the situations where we can help.
Your current deal has ended and you want to switch to a lower rate. This is the most common reason to remortgage — and the savings can be substantial.
Your property has gone up in value and you want to release some of that equity — for home improvements, helping a child buy a home, or another purpose.
Roll unsecured debts into your mortgage to reduce monthly outgoings. We'll always show you the full cost over the mortgage term so you can make an informed decision.
Increase your monthly payments and pay your mortgage off faster. We can model exactly how much you'd save in interest over the life of the mortgage.
Planning an extension or renovation? A remortgage is often cheaper than a personal loan for larger amounts, especially if you have equity in your property.
If you're on a variable or tracker rate, fixing your mortgage gives you certainty about monthly payments — protecting you from future rate rises.
Enter your current mortgage details alongside a new rate to instantly see your potential monthly and annual savings.
Compare your current mortgage against a new deal to see your potential saving.
Your Current Mortgage
New Deal
We can typically lock in your new rate up to 6 months in advance, protecting you from any future rate increases.
Find out how much equity you might be able to release and what the new mortgage repayment would look like.
Most lenders will allow you to borrow up to 85–90% of your property value when remortgaging. We'll check what's achievable for your situation.
See how making regular overpayments can slash your mortgage term and save thousands in interest.
The remortgage process is simpler than most people expect — especially when you have an expert managing it for you. Here's what typically happens from first call to completion.
We review your current mortgage, check when your deal ends, calculate potential savings and identify the best products available to you. Zero cost and no obligation.
We present our recommendations clearly — with all costs shown. Once you're happy we submit your application and lock in the new rate.
The new lender assesses your application and commissions a property valuation. We liaise directly with the lender and keep you updated throughout.
The lender issues a formal mortgage offer. Your solicitor (or the lender's own team for product transfers) handles the legal side of the switch.
Your new mortgage completes and you start benefiting from your lower rate. We set a reminder to contact you again before this new deal expires.
"I'd been on my lender's SVR for nearly a year and didn't realise. Apricot found me a new deal that saved me £290 a month. I could have kicked myself for leaving it so long!"
"Sorted my remortgage and released equity for a loft conversion at the same time. The team managed everything — I barely had to do a thing. Really impressive service."
"James told me it was actually cheaper to stay with my current lender on a product transfer — he could have switched me and earned more commission, but he gave me the honest advice. That's why we keep coming back."
Still unsure? We're always happy to give an honest, no-obligation answer.
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