Avoid a remortgage rate shock.
Leave remortgaging until the last minute and you could be in for a rude awakening and miss out on the best deals.
Talk to Moat today. We’ll search the whole market, compare your options and bring a great new mortgage to life before your current deal ends.
And we’ll do it all for free.

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

Don’t sleepwalk into a Standard Variable Rate.
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 keep an eye out for the best mortgage deal.
The best remortgage isn't always the one with the lowest headline rate.
We compare the overall cost of every suitable mortgage, including:
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Interest rates
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Product and arrangement fees
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Cashback offers
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Legal and valuation costs
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Early repayment charges
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Overpayment flexibility
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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:
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Employed
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Self-employed
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A contractor or company director
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Borrowing more
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Approaching retirement
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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.
Don’t miss out.
Set a remortgage reminder.
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. Avoid the horror show.


When it’s time to switch, we take care of everything.
Finding the right mortgage is only half the job.
Your dedicated Moat adviser manages the entire remortgage process, including:
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Reviewing your current mortgage
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Searching the whole market
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Recommending the best deal
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Completing your application
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Liaising with lenders and solicitors
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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.


