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.

Call us on:

01279 792 756

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.

Request a callback

Enter your details below and one of our expert mortgage advisers will call you during working hours to discuss how we can help.

By clicking “Submit” you agree for Moat to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

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.

By clicking “Submit” you agree for Moat to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

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.

Contact Moat

Squeak to an expert.

Call us, and we’ll find you the best remortgage deal for free.

01279 792 756

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Squeak to an expert.

Call us, and we’ll find you the best remortgage deal for free.

01279 792 756

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Squeak to an expert.

Call us, and we’ll find you the best remortgage deal for free.

01279 792 756

Authorised and regulated by the Financial Conduct Authority.

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA