--- title: "Remortgage help | Pensions Advice UK" url: https://pensionsadviceuk.com/remortgage/ description: "Mortgage deal ending soon? We can put you in touch with our mortgage partners, regulated mortgage brokers, to look at your options." last_updated: 2026-11-10 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- Remortgaging # Is your mortgage deal coming to an end? When a fixed or tracker deal ends, most lenders move you onto their standard variable rate, and that's often higher. We can put you in touch with our mortgage partners, regulated mortgage brokers, to see what else is out there. - Regulated mortgage brokers - About 2 minutes - Your details stay secure We don't arrange mortgages ourselves. When you get in touch, we pass your details to one of the mortgage brokers we work with, and they take it from there, right through to completion. ## When to start looking A few months before your deal ends is usually a good time. Some lenders let you lock in a new deal in advance. If you're thinking of leaving early, check your mortgage terms first, as there may be an early repayment charge. ## Where a broker can help - Finding a new deal when your current one ends - Changing your term or your monthly payments - Borrowing more, for example for home improvements - Self-employed? They can help with that too ## How it works 1. **Fill in a short form.** It only asks a few questions. 2. **A broker gives you a call.** They'll want to understand your situation, and they'll tell you upfront how they're paid and whether there's a fee. 3. **If you want to go ahead, they do the legwork.** The advice, the application and getting it over the line are all handled by them. ## Questions ### Do I have to wait until my deal ends? No. Plenty of people start looking a few months before. Just check whether leaving early would mean an early repayment charge. ### Will borrowing more cost me more? Usually, yes. Borrowing more, or over a longer term, means paying more interest overall. The broker will go through the costs before you decide. ### Do you give mortgage advice yourselves? No. We're not authorised by the Financial Conduct Authority, so we can't. Any advice you get comes from the broker. ### Does it cost anything to get in touch? No. If the broker charges a fee, they'll tell you before you agree to anything. ### Do you get paid for this? Yes. If you take out a mortgage through one of our mortgage partners, we get a share of the fee the lender pays them. ### What happens to my details? We keep a record of your enquiry and pass your details to the broker so they can contact you. Our [privacy policy](https://pensionsadviceuk.com/privacy-policy/) has the full details. ### Important information **Your home may be repossessed if you do not keep up repayments on your mortgage.** Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide mortgage, financial, investment, pension or tax advice. We act solely as an introducer. If you make a mortgage enquiry, we pass your details to one of our mortgage partners. Any advice or regulated service is provided by our mortgage partners, not by Pensions Advice UK. If you take out a mortgage through them, we receive a share of the fee they are paid by the lender. Our mortgage partners include My Simple Mortgage, a trading name of My Simple Mortgage Ltd, registered in England and Wales (company number 09275345), registered office The Mount, Etruria Road, Newcastle-under-Lyme, Staffordshire, ST5 0SU. My Simple Mortgage Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA reference number 682703. You can check this on the [FCA Register](https://pensionsadviceuk.com/check-an-adviser/). The information on this page is general information only and is not a personal recommendation. ## Speak to a broker Fill in a short form and one of our mortgage partners will call you. It's free, and they'll tell you about any fee before you go ahead. Get started ## Buying your first home? [Mortgages for first-time buyers](https://pensionsadviceuk.com/first-home-mortgages/) ## Retiring with a mortgage? [Later life mortgages](https://pensionsadviceuk.com/later-life-mortgages/) --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://pensionsadviceuk.com/remortgage/. More pages: https://pensionsadviceuk.com/llms.txt