Coming to the end of a tasty fixed-rate mortgage?
Every fixed-rate mortgage comes to an end.
At Moat, we’ll search the whole market, compare the deals and find you a yummy new mortgage before your current one ends.
And we’ll do it all for free.

How we help:
•
Free and friendly remortgage advice
•
Whole-of-market mortgage searched
•
Finding the best deal to suit you
•
Options to release equity if needed
•
Personal guidance from start to completion

Don't walk into the Standard Variable Rate trap.
When your fixed-rate mortgage ends, your lender will usually move you onto a more expensive Standard Variable Rate or offer you another deal.
We'll compare your lender's offer with mortgages from across the market, helping you avoid paying more than you need to.
We’ll find you a mouth-watering new deal for free.
The best remortgage isn't always the one with the lowest headline rate.
We compare the overall cost of every suitable mortgage, including:
•
Interest rates
•
Product and arrangement fees
•
Cashback offers
•
Legal and valuation costs
•
Early repayment charges
•
Overpayment flexibility
•
Total cost over the initial deal period
Then we'll recommend the mortgage that offers the best overall value for you.


Our independence is not to be sniffed at.
Unlike your bank, we're not limited to one lender.
We compare mortgages from across the UK market to find the deal that's right for you, whether you're:
•
Employed
•
Self-employed
•
A contractor or company director
•
Borrowing more
•
Approaching retirement
•
Looking for a more flexible mortgage
Because we work for you, not the lender, our recommendations are always based on what's best for your circumstances.
Remortgaging needn’t be a mammoth task.
Leave remortgaging too late and you could miss out on a great deal and pay more than you need to.
Tell us when your current deal ends and we’ll contact you three months before, giving us plenty of time to search the whole market and find you a great new deal. For free.
Set a reminder, and we'll take care of the rest.


Relax.
We take care of everything.
Finding the right mortgage is only half the job.
Your dedicated Moat adviser manages the entire remortgage process, including:
•
Reviewing your current mortgage
•
Searching the whole market
•
Recommending the best deal
•
Completing your application
•
Liaising with lenders and solicitors
•
Keeping everything on track through to completion
Simple, straightforward and stress-free.
Remortgage FAQs.
What is a remortgage?
A remortgage means switching your existing mortgage to a new deal, either with your current lender or a different one. Homeowners often remortgage to secure a lower interest rate, reduce monthly payments, or release equity from their home.
When should I start looking for a remortgage?
It’s usually best to review remortgage options 3–6 months before your current mortgage deal ends. This allows time to secure a new rate before moving onto your lender’s standard variable rate (SVR), which is often higher.
Can I remortgage with my current lender?
Yes. This is known as a product transfer, where you switch to a new deal with your existing lender. While this can be quick and simple, comparing the wider market may reveal better mortgage deals with other lenders.
Can I remortgage early?
Yes, but you may need to pay early repayment charges (ERCs) if your current mortgage deal hasn’t ended. A mortgage adviser can help calculate whether switching early could still save you money overall.
Can I release equity when remortgaging?
If your property has increased in value, you may be able to borrow additional funds against your home. This is known as releasing equity and is often used for home improvements, renovations, or consolidating higher-interest debts.
How long does a remortgage take?
The remortgage process usually takes 2–6 weeks from application to completion, although this can vary depending on the lender and whether a property valuation is required.
Do I need a solicitor to remortgage?
Often yes, but many remortgage deals include free legal services and valuations, which can make the process quicker and reduce costs.


