Remortgages
Remortgage guides: product transfers, timing, costs, early repayment charges, releasing equity and remortgaging with bad credit.
11 articles
Articles
14 min read How to Remortgage: UK Remortgage Guide 2026
Fixed rate ending? Compare a product transfer with a new lender, check fees and ERCs and follow each remortgage step. Written by a CeMAP adviser.
11 min read When Should You Remortgage? UK Timing Guide 2026
When should you remortgage in 2026? See the six-month timeline, offer validity, early repayment charges, lender checks and when to switch your mortgage.
8 min read Today's Mortgage Rates: UK Market Update October 2026
UK mortgage rates in October 2026: average 2- and 5-year fixed rates, Bank Rate, why fixes have risen and what it means if you are buying or remortgaging.
11 min read Mortgage Early Repayment Charges: Is It Worth Paying to Remortgage?
Learn how mortgage early repayment charges work, calculate an ERC and compare switching now with waiting. UK guide reviewed by a CeMAP mortgage adviser.
12 min read Remortgage vs Product Transfer: Which Is Better in 2026?
Remortgage vs product transfer in 2026: compare costs, lender checks and when staying or switching may suit you. Written by a CeMAP adviser.
11 min read Remortgage to Consolidate Debt: Is It a Good Idea?
Can you remortgage to consolidate debt? Compare monthly payments, total interest, eligibility, fees, risks and alternatives with a worked UK example.
7 min read Remortgaging a Shared Ownership Home
Remortgaging a shared ownership home: finding a lender, housing association consent, staircasing to a bigger share, costs and when you can release equity.
8 min read Remortgage to Buy a Second Home: How It Works
Can you remortgage to buy a second home? How releasing equity works, how much you could raise, affordability, the higher Stamp Duty rates and the alternatives.
7 min read Mortgaging a Home You Own Outright
Own your home outright and want to raise money against it? How it works, what lenders check, the costs and the options if you are nearing retirement.
8 min read Remortgaging With Bad Credit: Your Options
Can you remortgage with bad credit? How lenders view missed payments, defaults, CCJs and arrears, when a product transfer is easier, and what it may cost.
12 min read Remortgage Costs and Fees: Complete UK Guide 2026
Understand remortgage costs and fees in 2026, from product and legal charges to ERCs. Compare total costs before switching. Written by a CeMAP adviser.
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