🔁 Remortgage Calculator
Compare your current deal against a new one. No stamp duty, no estate agent fees, no conveyancing. Just rate, term, additional borrowing and affordability.
No stamp duty
No moving costs
No moving costs
Your Current Deal
Current deal
£
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Current market value — used to calculate LTV.
£
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Remaining balance — check your lender's app or latest statement.
%
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Your current rate — shown on your mortgage statement.
yr
mo
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Years and months remaining on your mortgage.
1 of 4
Switching Costs (optional)
No stamp duty. No estate agent fees. No conveyancing on a standard remortgage. The only costs are any early repayment charge on your current deal.
£
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Check your mortgage offer. Usually 1–5% of balance. Enter 0 if you're outside your fixed period.
£
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Extra capital released — home improvements, debt consolidation etc.
How Each New Deal Compares
Consider a product transfer first. You may be able to switch to a new deal with your existing lender — no legal fees, no credit check, and often no ERC. Ask your lender directly or use a broker to compare both options.
Enter your current deal details above to see how each indicative rate compares.
Income & Affordability
Income type
£
✓
Take-home pay after tax.
£
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Auto-calculated from your income type above. Adjust if needed.
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Affordability
Enter your income and monthly bills to see affordability.
Indicative Remortgage Deals
Enter your mortgage balance to see estimated payments across common deals.
Borrowing Capacity
4× income
—
Standard max
4.5× income
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Most common
5× income
—
Higher earners
5.5× income
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Professional
Enter gross annual income to see how much lenders may offer.
Year-by-Year Amortisation
Enter your balance and new deal details to see the amortisation table.
💬 Ready to remortgage?
A whole-of-market broker searches 90+ lenders to find your best deal — free, no obligation.