Switch to a new lender
Explore a different rate, term or features. Factor in the lender’s checks, the property valuation and the cost of leaving your existing deal.
Understand the remortgage process ↗Remortgage advice for UK homeowners
Deal ending or plans changing? Count Ready helps you compare switching lender, staying put and borrowing more, so your next mortgage fits what comes next.
Your initial mortgage evaluation is free. Fees may apply if you proceed; we agree them before chargeable work.
Three routes worth understanding
A remortgage moves your mortgage to a different lender while you keep the property. A product transfer changes the deal with your current lender. The right route depends on your plans and the full cost.
Explore a different rate, term or features. Factor in the lender’s checks, the property valuation and the cost of leaving your existing deal.
Understand the remortgage process ↗A product transfer may involve a simpler process. Compare what your lender offers with suitable alternatives, including fees and any restrictions.
Explore product transfers ↗Planning home improvements or another expense? Compare a remortgage with additional borrowing from your lender and other suitable routes.
Borrowing for home improvements ↗Review early. Choose the switch date carefully. Start several months before your deal ends. Application windows and offer periods vary, and completing before an early repayment charge expires could add to your costs.
Look beyond the headline rate
A lower rate or monthly payment is only part of the picture. Compare suitable options over the same borrowing amount and period, including what you will still owe at the end.
Borrowing to clear other debts? Securing previously unsecured debt against your home puts it at risk. Repaying over a longer term can cost more overall. Compare alternatives before deciding. Understand the risks.
How Count Ready helps
You may know when your deal ends without knowing what to do next. We put your current mortgage, changed circumstances and future plans into one conversation.
We discuss your current mortgage, your timescale and anything that has changed. You can start before you have every document ready.
We assess your needs, investigate suitable options and explain the costs, features and conditions. Include your current lender’s offer in the discussion.
If you proceed, we support the application and lender queries. Your lender makes the lending decision; approval and completion dates depend on its checks and the property.
Be clear about how we are paidYour initial evaluation is free. Fees may apply if you proceed, and we typically receive lender commission after completion. We agree the fees before chargeable work. See our Terms of Business.
Know who you are speaking toCount Ready is a mortgage broker, not a lender. Read about our business and check the regulatory information in the footer. An initial discussion helps establish how we may be able to help.
Your circumstances matter
A previous mortgage does not guarantee a new one. Explain the whole situation early so the right questions can be checked before an application.
Talk through trading history, accounts and changes to how you earn.
Self-employed mortgages ↗The type, date and current status of a credit issue matter alongside affordability.
Remortgaging with bad credit ↗Use your current immigration status, including any change since you last applied.
Read the guidance below ↓Discuss a likely move before choosing a new deal with early repayment charges.
Porting your mortgage ↗Your share, scheme requirements and plans to buy more of the property all matter.
Shared-ownership remortgages ↗Use the buy-to-let route to discuss rental income, tenancy and ownership.
Buy-to-let mortgage guidance ↗Tell us if either applicant has moved from pre-settled to settled status, or holds a different permission. A status change does not automatically improve a rate or make switching worthwhile.
The lender’s requirements still apply. Include your current lender in the comparison and explain any plans for extra borrowing or changing borrowers.
Have the repayment deadline and a current redemption figure ready. The proposed lender must accept your application and property, and the net mortgage funds after costs must cover the amount owed.
Approval and completion before the bridge deadline are not guaranteed. Discuss a contingency if the plan is delayed.
Explore the numbers
Try different payments or remortgage scenarios using your own figures, then talk through what the results mean for your plans.
A useful first conversation
Tell us what you want to change and when. A short outline is enough to get started.
Please wait for secure instructions before sending identity documents, bank statements, credit reports or share codes. Our mortgage document guide explains the usual starting points.
Tell us when your deal ends and what you want to achieve. Your initial mortgage evaluation is free. Please use broad details here and wait for secure instructions before sharing sensitive documents.
Common questions
You do not need to have every answer before speaking to us. These are some useful starting points.
For independent information, read MoneyHelper’s remortgage guide (opens in a new tab). If payments are becoming difficult, contact your lender promptly.
Start reviewing several months before your current deal ends. That gives you time to check charges, compare options and gather evidence. Lenders have different application windows and offer periods. Reviewing early does not mean completing early: check when an early repayment charge ends before agreeing the switch date.
Yes, a new deal with your current lender is usually called a product transfer. A straightforward switch can involve fewer checks than moving lender, depending on the circumstances and the lender’s process. Extra borrowing or changing borrowers can require a different assessment. Compare the available deals, fees and features before deciding.
Usually, the equity already in your property takes the place of a new purchase deposit. The lender’s valuation and the amount you want to borrow determine the loan-to-value. You may still need money for fees or to reduce the loan. A property value estimate does not confirm what a lender will accept.
It may be possible, but credit difficulties can limit the lenders and terms available. The type of issue, when it happened, its current status and your wider finances all matter. Tell your adviser about any missed payments, defaults, county court judgments or arrangements before applying. If you have been declined, understand the reason before making further applications.
This needs careful advice. Moving unsecured debts onto your mortgage secures them against your home. A lower monthly payment can come from repaying over a longer period and may mean paying more overall. Compare alternatives and the full repayment cost. If you are struggling with repayments, contact your lender promptly and seek free debt advice.
Our initial mortgage evaluation is free. Fees may apply if you proceed, and we typically receive commission from the lender after completion. We explain and agree the fees for your case before chargeable work. Our Terms of Business set out the payment stages, exceptions and refund details.
Explore the detail
Looking for something else? Browse our sitemap. These guides provide general information; the right recommendation depends on your circumstances.
Tell us when your current deal ends and what matters to you. We’ll help you understand the options and what needs checking.
Your home may be repossessed if you do not keep up repayments on your mortgage.
