Remortgage
Improve your rate, release equity or restructure debt with independent, whole-of-market remortgage advice for residential, buy-to-let and commercial UK property.
Two quick steps — a specialist will respond within one working day.
Last updated Reviewed by our Clifton International finance team.
In short
You should usually start a UK remortgage three to six months before your current deal ends, or sooner if you want to release equity. Most lenders offer up to 75–85% loan-to-value, and a straightforward remortgage completes in around four to eight weeks.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at September 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Why clients choose us
Whole-of-market access to secure the sharpest available rate for your profile.
Release equity for home improvements, investment, business or family purposes.
Consolidate short-term or high-cost debt into a lower-cost, longer-term structure.
Move an amortising mortgage to interest-only where suitable and eligible.
Consolidate a buy-to-let or commercial portfolio into a single, structured facility.
Second-charge mortgages where a full remortgage isn't optimal or triggers heavy ERCs.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
International · Expat
£2m · 65% LTV · interest-only remortgage
£2m interest-only expat remortgage on a prime UK residence for a HNW client with multi-currency income across three jurisdictions — placed with a private bank on preferential terms.
Hertfordshire · Mortgage
£809k · 60% LTV · 25-year term
£809k residential mortgage against a non-standard Hertfordshire countryside home — placed with a private bank willing to underwrite the unusual construction and refinance the existing bridge in full.
Cirencester · Expat BTL
£2.2m · 70% LTV · 25-year expat BTL
£2.2m expat buy-to-let mortgage for a Dubai-based UK national acquiring a prime Cirencester rental — arranged with a specialist lender comfortable with UAE income.
Frequently asked
Typically 3–6 months before your current fixed rate ends. Most UK lenders will let you secure a new offer that can be held and completed on the day your existing deal expires, avoiding the standard variable rate.
Yes — capital raising for home improvements, buy-to-let deposits, business investment, school fees, debt consolidation or gifting to family is a common reason to remortgage.
In many cases yes, subject to lender criteria, LTV limits and a credible repayment strategy (e.g. sale of the property, investments, pension lump sum or a defined liquidity event).
Sometimes. We model ERCs against the interest saving over the new term and only recommend an early switch when the net position clearly benefits you.
Yes. A number of UK lenders and private banks specialise in remortgaging UK property owned by expats and foreign nationals, including buy-to-let and portfolio landlord cases.
A remortgage application involves a hard credit search, which can temporarily reduce your score by a few points. Provided repayments are maintained, the impact is short-lived.
Yes — a 'transfer of equity' can be handled alongside a remortgage, which is common on separation, marriage or where an original guarantor is being released.
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