Whether your fixed-rate mortgage is coming to an end, you want to lock in a better rate, or you’re looking to raise money for home improvements, remortgaging could be the smart move.
At Mortgage Knight, we help homeowners switch their mortgage quickly, easily, and with expert guidance at every step. We work with over 90 lenders to find you the most suitable deal—whether it’s to save money, gain flexibility, or unlock funds from your property.
Remortgaging means switching from your current mortgage deal to a new one—either with the same lender or a different one.
You might remortgage to:
We recommend reviewing your mortgage 3–6 months before your current deal ends to avoid going onto a higher rate.
Avoid rolling onto your lender’s SVR, which can be 2–5% more expensive than a fixed deal.
Use your home’s increased value to fund renovations, help family, pay for school fees, or invest elsewhere.
Combine unsecured debts into your mortgage for lower monthly payments (carefully assessed to ensure it’s right for you).
Want to extend or shorten your mortgage term? Or move from interest-only to repayment? A remortgage makes it possible.
Status: Their 2-year fix was ending and they were about to be moved onto a 6.75% SVR. They still owed £225,000.
Solution: We secured a new 5-year fixed-rate remortgage with a different lender at 4.89%, saving them £236 per month.
Outcome: Predictable payments and over £2,800 saved in the first year alone.
Status: Mark wanted to upgrade his kitchen and extend the rear of his home. He needed £40,000 extra.
Solution: We remortgaged to a lender offering additional borrowing, increasing his total loan while keeping repayments manageable.
Outcome: Mark renovated and increased the value of his home, with no separate loan required.
Status: Laila was on an interest-only mortgage but wanted to start reducing her balance to prepare for retirement.
Solution: We switched her to a 20-year repayment deal, with a fixed rate and lower monthly cost than she expected.
Outcome: She now reduces her loan each month and has a clearer plan for the future.
 No. You can switch to a new lender for better rates or terms. We’ll compare both internal and external options for you.
A: Possibly—but you may face early repayment charges (ERCs). We’ll calculate if it’s worth switching now or waiting.
A: On average, 3–6 weeks, but it can be faster with a simple product switch. We’ll keep things moving.
A: Yes. Some specialist lenders accept clients with missed payments, defaults, or low scores.
A: Yes. If your home has increased in value and affordability checks are met, we can help you raise extra funds.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
