Get a Better Remortgage Deal, Without Doing the Legwork
Your fixed rate ends. Your lender quietly moves you onto their standard variable rate. And just like that, you're paying hundreds of pounds more every month than you need to.
That's where we come in. Home Me Mortgages searches the whole market — over 90 lenders, including exclusive deals you won't find on comparison sites — to find you a remortgage that actually makes sense for your situation. Free to start. No jargon. No pressure.
The Right Remortgage Can Save You Hundreds Every Month
Most homeowners stay with their existing lender out of habit, or because switching feels complicated. It's usually a mistake.
When your fixed deal ends, your lender puts you on their Standard Variable Rate (SVR). SVRs are almost always higher than the best rates available in the open market. The difference can easily be £200–£400 per month on a typical mortgage.
Remortgaging lets you move to a better rate, with a lender who's competing for your business — not relying on your inertia. Beyond the rate, remortgaging can also:
- Release equity from your property to fund home improvements, clear debts, or cover a major cost
- Consolidate debts into one lower monthly payment
- Adjust your term — shorter to pay it off faster, or longer to reduce payments
- Switch from interest-only to repayment , or vice versa
What a Good Remortgage Looks Like
A Lower Interest Rate
Even half a percentage point difference matters over a 25-year term. On a £280,000 mortgage, dropping from 5.5% to 4.2% saves around £190 per month — that's £2,280 a year. We show you the exact numbers before you commit to anything.
Equity You Can Actually Use
If your property has gone up in value since you bought it, you may have built up equity you're not tapping into. Remortgaging to release equity means you can access that cash — for a loft conversion, a new kitchen, or to clear high-interest debt — without selling your home.
Terms That Fit Your Life Now
Your circumstances change. Maybe you're earning more and want to pay off faster. Maybe you need to reduce monthly outgoings for a while. A remortgage lets you reset your terms to match where you are now, not where you were when you first bought.
The Whole Market, Not Just the High Street
We're not tied to any lender. We compare rates across the full market, including deals from specialist lenders and exclusive rates you can't get by going direct. That's a significant advantage when rates vary as much as they do right now.
"Home Me helped us remortgage and saved us £280 per month. The process was smooth from start to finish — and we released equity for our home extension at the same time."
— Michael & Emma, Windsor
Your Remortgage Journey
How It Works — Three Steps, No Stress
We Review Your Current Deal (Same Day)
Tell us about your mortgage and we'll run the numbers. We compare your current lender's retention offers against the best rates across 90+ lenders. You get a clear picture of what you could save — and what it costs to switch.
We Handle the Application (2–4 Weeks)
Once you pick the deal that works for you, we manage the paperwork, liaise with the lender, and chase progress on your behalf. You don't have to sit on hold to anyone.
You Switch and Start Saving (Immediately)
Your new deal completes and your monthly payments drop. If you've released equity, the funds land in your account. Job done.
What Does Remortgaging Actually Cost?
This is the question most people don't ask until it's too late. Here's the honest breakdown.
| Cost | Typical Range | Notes |
|---|---|---|
| Arrangement fee | £0–£2,000 | Many competitive deals include free packages |
| Valuation fee | £0–£300 | Often free with remortgage deals |
| Legal fees | £0–£500 | Many lenders offer free legal work |
| Early repayment charge | Varies | Check your current deal — this is the big one |
The bit people forget: Early repayment charges (ERCs). If you're still inside a fixed-rate period, leaving early may cost more than waiting. We'll calculate this for you and tell you exactly whether it's worth switching now or waiting.
Our fee: A mortgage arrangement fee of £499 applies — but only when your mortgage completes. No upfront charges.
A Real-World Remortgage Example
Client in Marlow
This is a real scenario — not a best-case projection. Results vary depending on your balance, term and the deals available at the time.
We Handle More Than the Straightforward Cases
Most mortgage brokers are fine when everything is simple. Things get more interesting when they're not. We deal with:
- Self-employed borrowers with one or two years' accounts
- Clients with older adverse credit — defaults, CCJs, missed payments
- High-value properties where standard lender limits don't apply
- Portfolio landlords remortgaging buy-to-let properties
- Complex income structures — bonus-heavy earners, contractors, directors
If you've been turned down elsewhere, or your circumstances are anything other than textbook, talk to us before assuming the answer is no.
Local Remortgage Advice Across Berkshire and Beyond
We're based in Marlow and know the property markets across Berkshire and Buckinghamshire well enough to advise on how local house price growth affects your loan-to-value and, in turn, the rates you can access.
That said, we work with clients across the UK. If you're not local, everything can be done by phone or video call — the service is exactly the same.
If you're comparing local options first, visit our Marlow mortgage broker page for a closer look at the property markets and areas we support around our base.
Remortgage Questions — Answered Straight
What is remortgaging and when should I consider it? +
How much can I save by remortgaging? +
What does remortgaging cost? +
Can I remortgage to release equity? +
How long does a remortgage take? +
Will I need a new property valuation? +
Should I remortgage with my current lender or switch? +
What happens when my fixed rate ends? +
What if my circumstances have changed since I first took out my mortgage? +
Not Sure If Now Is the Right Time?
That's
Exactly Why to Call.
A free remortgage review takes 20–30 minutes. By the end, you'll know whether switching makes sense, what you'd save, and what the next step looks like. No obligation to go ahead.
Or call us on 01628 884 693