Switch or stay

Remortgaging

Compare current and new deals, product fees, ERCs, LTV bands, follow-on rates, and break-even timing.

Remortgaging journey

Review the switch-or-stay decision in order.

Start with the current position, compare a remortgage, check charges, and understand the fee trade-off.

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Journey stage

Review whether to switch, stay, or adjust your mortgage before the current deal ends.

Calculator

Compare your current mortgage with a new deal, including ERCs, fees, follow-on rate, break-even point, and savings.

Calculator

Alternative calculator URL for comparing a current mortgage with a new deal.

Calculator

Estimate whether a mortgage overpayment or switch could trigger an early repayment charge.

Guide

Understand fees, ERCs, cashback, and the month a switch may start to pay off.

Lesson

Learn LTV, product fees, ERCs, break-even calculations, and remortgage savings maths.