Around six months before your current rate ends.
Remortgaging
Your mortgage might be ready for an upgrade.
Check your remortgage optionsTalk to an expert
Your home may be repossessed if you do not keep up repayments on your mortgage.
A full review. Without the hassle.
Why Remortgage
- Your current deal is ending
- You want to reduce monthly payments or get a better interest rate
- You want to borrow more for home improvements
- You want to consolidate existing debts
What We Do
- Compare your current deal with fresh market options
We review your existing mortgage and show how it stacks up against today’s best alternatives. - Show potential savings clearly — no rose-tinting, no surprises
You’ll see the real numbers in plain English, so you can make a confident, informed choice. - Manage the switch from start to finish
We handle the transition and keep everything moving smoothly. - Handle lenders, paperwork and solicitor coordination for you
We take care of the admin so your remortgage feels simple, not stressful.
The Areti Way
You stay in control — we handle the work.
Whether your rate is ending or you’re just checking in, we’ll see if you could save money or move to a deal that fits your life better.
Frequently asked questions
What happens if I don’t remortgage?
You would move onto your lender’s Standard Variable Rate (SVR), which is usually a higher rate of interest, meaning your payments would increase.
Do I have to change lender when I remortgage?
No. You can stay with your current lender (called a product transfer) or move to a new lender. We’ll compare both options for you and recommend what saves you the most money or best suits your plans.
Will I have to pay fees when remortgaging?
Sometimes. Fees may include lender arrangement fees, valuation fees, solicitor costs, or early repayment charges (if you’re leaving a certain deal early). We’ll calculate whether paying a fee saves you more in the long run.
Can I remortgage early?
Yes, but you may need to pay early repayment charges depending on your current deal. Sometimes securing a new rate early is still worth it — we’ll work through the numbers with you.
Can I borrow more money when I remortgage?
Yes. This is called “raising capital” and can be used for things like home improvements, debt consolidation, or major life events. Lenders will check affordability and your credit profile.
Do I need a valuation of my home?
Often yes — lenders need an up-to-date valuation. Many offer free valuations as part of a remortgage deal.
After I make an application, can I change the lender or rate that I’ve applied for?
Yes — in many cases you can change the lender or the product, even after an application has been submitted.
I haven’t remortgaged before, do you have any simple guides?
We do. Our ‘Remortgage 101’ guide breaks down the process in plain English — from how it works to when to do it and what to look out for. It’s a quick, clear way to get up to speed before exploring your options.
