Remortgage advice that keeps you off the SVR
When your fixed or tracker deal ends, drifting onto the standard variable rate can cost you hundreds a month. We'll secure your next deal up to six months ahead.
Important: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Six months early is exactly the right time
Most lenders let you lock in a new rate up to six months before your current deal expires. That means you can secure today's rate as insurance, and if better deals appear before you complete, we can usually move you across. There's very little downside to starting early - and a real cost to leaving it late.
We'll compare your existing lender's retention deals against the whole market, check any early repayment charges, and handle the application and legal work so the switch happens seamlessly the day your current deal ends.
Remortgaging, handled end to end
Rate secured early
Lock a new deal up to six months before yours ends - with the flexibility to move if rates improve.
Whole-of-market comparison
We compare your lender's product transfer offers against the wider market, so you know the deal is right.
Equity release
Raise funds for home improvements or further investments, structured so the borrowing stays affordable.
Debt consolidation, advised properly
Rolling debts into a mortgage can reduce monthly outgoings but cost more long-term - we'll show you both sides.
Changed circumstances
Self-employed since your last application? Income changed? We know which lenders will still say yes.
Protection review
A remortgage is the natural moment to check your life cover and income protection still match the loan.
Check your remortgage options
Book a free consultation - tell us when your deal ends and we'll come back with the best routes available.
Or visit our contact pageWhat our customers say
"Genuinely calm, professional advice. They saved us a real amount each month and the process was effortless."
"Silver Oak made our first mortgage feel completely manageable. Every step was explained clearly and we never felt rushed."
"As a contractor I'd been turned down before. They knew exactly which lenders to approach and we completed in weeks."