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If you feel your current mortgage deal isn’t right for you, remortgaging may be a good decision. Nearly all mortgage deals are offered with a period where the rate is fixed or where the rate “tracks” the Bank of England base rate. At the end of this period the interest rate often reverts to the lenders own “standard variable rate”, which the lender controls and may be higher than the “new deal” rates available. Reviewing your mortgage situation towards the end of any offer period is prudent as you may be able to benefit from a lower interest rate or a mortgage product more suited to your needs. Switching your mortgage to one with a better rate or more flexible terms, whether it’s with the same or a different lender, is something many financially aware people choose to do. But because remortgaging involves taking out a new loan on the property you already own, it’s worth carefully considering the pros and cons before deciding whether this is a viable option for you.

Reasons to Remortgage

Like most Britons, your mortgage is probably your biggest monthly outgoing, so remortgaging can save you substantial amounts of money. Whether your current mortgage deal is nearing its end, you’ve seen a different package with a much lower interest rate or you’re thinking of remortgaging to raise extra funds, it pays to do your research carefully. Remortgaging may look like a wise decision now, but you also need to anticipate your future needs before you start the ball rolling.

Our Remortgage Experts Can Help You Decide

Our dedicated remortgage experts can help you decide whether a remortgage is the right course of action for you. They’ll review your current position and calculate what you stand to gain from your new arrangement, taking into account any early repayment charges or other fees you may need to pay. And because they have access to thousands of different mortgage deals, they can match you with the best one for your circumstances.

Our Advice Doesn’t Stop Once You’ve Found Your Deal

We think you’ll find remortgaging with Zing a painless process, not only because we’re experts at finding the right deal for our customers, but also because we’re with you every step of the way. Our advisers will complete and submit any paperwork for you, making sure you avoid administrative delays, and introduce you to a reputable solicitor who’ll handle the legal side of the transaction. But we won’t withdraw our support once you’ve accepted your remortgage offer: we’ll stay in touch by email so you know where to turn for help and advice with your future plans.


Your home may be repossessed if you do not keep up repayments on your mortgage.