Photo ID
One document
Passport or full UK photocard driving licence. Must be in date.
Remortgaging
Your deal is ending. Let's get ahead of it
Remortgaging means replacing the mortgage on your current home, either with a new lender or the one you already have. Send me your lender, the balance and the end date, and I will set the options out side by side.
- Your current deal compared side by side with the alternatives
- Started early, so nothing slips onto a standard variable rate
- One point of contact from first call to completion
Speak to me about your remortgage
The first conversation is free and there's no obligation.
Access to hundreds of lenders across the UK
Compare the options and find the mortgage that fits your circumstances.
Lenders available through Mortgage Lane include NatWest, Nationwide, Barclays, Halifax, Santander, HSBC UK, Accord, Coventry, Skipton, Kensington, Precise, Together.
Rates
Latest remortgage rates
Illustrative examples, updated September 2026.
Residential Remortgage
| Initial rate | Initial payment | Reversion rate | Total fees | Type | APRC | Initial period | Early repayment charge |
|---|---|---|---|---|---|---|---|
| 4.19% | £605.68 | 6.49% | £995.00 | Tracker | 6.25% | 24 months | Yes |
| 4.24% | £608.83 | 6.74% | £0.00 | Tracker | 6.47% | 24 months | No |
| 4.34% | £615.14 | 6.24% | £999.00 | Discounted | 5.88% | 24 months | Yes |
| 4.58% | £630.44 | 7.24% | £1,049.00 | Fixed | 6.71% | 27 months | Yes |
| 4.74% | £640.73 | 6.24% | £1,016.00 | Fixed | 5.86% | 61 months | Yes |
The examples in this table are based on a property valued at £150,000 with a £112,500 mortgage secured against it, excluding any additional fees.
Figures assume a capital and interest repayment mortgage over a 25 year term.
These are illustrative examples, not live pricing and not an offer of credit. Rates, fees and criteria change frequently, and the amount you can borrow depends on your own circumstances.
Residential mortgage calculator
£
Indicative loan size
£0.00
Indicative only, based on an income multiple of 5.5. Lenders assess income, outgoings, credit history and the property, so your own figure may be higher or lower. This is not a lending decision or advice.
What You'll Need
Nothing here is a surprise. Get these together before we speak and I can usually give you a realistic answer on the first call.
Everyone needs these
Proof of address
Two documents
Two different items dated within the last 3 months — utility bill, council tax bill, bank statement. Can't be the same document as your ID.
Personal bank statements
Last 3 months
All accounts your salary lands in or your outgoings leave from. Full statements, not screenshots — they need to show your name, account number and the full period.
Proof of deposit
One set of statements
Statements showing where the money is and how it got there. If it's been building up over time, savings statements covering that period.
Credit commitments
Latest statement for each
Anything you're repaying — loans, credit cards, car finance, BNPL, student loan if it shows on your payslips.
These are what most lenders ask for. Some want less, a few want more. I'll confirm exactly what yours needs once we've picked one.
Not sure which of these apply to you? Send me what you've got and I'll tell you what's missing.
Process
The mortgage process, start to finish
Four stages. You will always know which one you are in and what happens next.
- 1
Understanding the case
Everything starts with a proper conversation. I go through your income, your deposit or equity, the property itself and what you are trying to achieve. If it is an investment purchase, that includes rental figures, any refurbishment plans and how the property is being held. Once I have the full picture, I search the market and come back with a recommendation and the reasoning behind it.
- 2
Decision in principle
When you are happy with the recommendation, I put the case to the lender for a decision in principle — usually the same day. This confirms the lender is willing to lend, and on what terms, before anything is committed. In here, you pay an initial fee to process your case. Lender and valuation fees become payable when we move to full application.
- 3
Application, valuation and underwriting
I submit the full application and package the supporting documents so the underwriter has everything in one go — this is where most delays happen, and where preparation earns its money. The lender books the valuation, underwriting runs alongside it, and I chase both. If a query comes back, I deal with it rather than passing it to you.
- 4
Offer to completion
Once the formal offer is issued, your solicitor takes over the legal work. I stay on the case — keeping the lender, solicitor and agent moving, flagging anything that looks like it is drifting, and making sure the offer does not expire while everyone waits on each other. [CLOSING LINE — one sentence on staying in touch after completion, e.g. reviewing the rate before the product ends.]
Common questions
When should I start looking at a remortgage?
Commonly around six months before your current deal ends. Applications can often be arranged ahead of the end date, which leaves time to change course if something needs sorting out.
What happens if I do nothing?
When a fixed or tracker period finishes, the loan usually moves onto the lender's standard variable rate, which is normally higher than the deal you were on.
Can I borrow more at the same time?
Often yes, for example for renovation work. Affordability is assessed again, and the lender will consider the purpose of the extra borrowing.
Is it better to stay with my current lender?
Sometimes. Your existing lender may offer terms of its own, and that is worth comparing against moving elsewhere, including the fees on both sides.
What does the advice cost?
The first conversation is free. A fee is payable when your case is submitted for a decision in principle, and it is confirmed in writing before you commit to anything.
REVIEWS
What my clients say
Sample reviews shown for illustration only. Genuine client reviews will appear here once collected.
Client reviews coming soon
Sample review 1
14 August 2026
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Sample review 2
3 September 2026
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Sample review 3
21 July 2026
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Sample review 4
29 August 2026
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Let's review your current deal
Send your current lender, roughly what is left on the mortgage and when the deal ends. I will set out the options side by side.
Request a call back
If your current deal ends within the next six months, it is a sensible time to look. The first conversation is free.