Remortgage calculator
Coming off a fixed deal? Compare your current rate against what's available now and see your potential monthly and annual saving.
Monthly saving
£151
Current monthly
£1,290
New monthly
£1,139
Annual saving
£1,810
Indicative figures only. Doesn't include product fees, early repayment charges or valuation costs. Your home may be repossessed if you do not keep up repayments on your mortgage.
When should I remortgage?
Most homeowners look to remortgage around 3–6 months before their current fixed deal ends. Switching earlier can lock in today's rate, while leaving it until you've moved onto the lender's standard variable rate (SVR) usually means paying significantly more each month.
What this calculator doesn't include
- Product / arrangement fees on the new mortgage (often £999–£1,499).
- Early repayment charges (ERCs) if you exit your current deal early.
- Valuation and legal fees, though many remortgage deals include both for free.
Other mortgage calculators
More tools to help you plan your mortgage.
Mortgage repayments calculator
Work out your monthly payment from the loan amount, rate and term.
Loan to Value calculator
See your LTV ratio and how it affects the rates you can access.
Overpayment calculator
See how much interest and time you'd save by overpaying.
How much can I borrow?
Estimate your maximum mortgage based on income and outgoings.