Should I Remortgage in 2025? What You Need to Know

Rates are shifting, inflation is settling, and more lenders are cutting deals again — so is now the right time to remortgage?

Here’s what to consider:

✅ Reasons to Remortgage Now:

• Your fixed rate is ending soon

• You want to borrow more (for renovations or debt consolidation)

• Your home’s value has increased

• You want to lock in a better rate before market changes

❌ Reasons to Wait:

• Early repayment charges apply

• Your finances recently changed (e.g. new job or credit issues)

• You're planning to move in the next 12–18 months

💡 Tip: Start your remortgage search around 6 months before your current deal ends.

We’ve helped hundreds of clients in Ely and the surrounding areas reduce their monthly repayments, release funds, or simply gain peace of mind.

“I Didn't Think I Could Remortgage — Then I Saved £192 a Month”

Hannah lives in Soham with her two kids and a very lively spaniel named Milo. Her fixed-rate mortgage was due to end in three months, and she didn’t think much of it — until her lender sent a letter warning that her payments would jump by over £200.

She panicked. “I don’t have £200 extra,” she told me. “Childcare’s gone up, fuel’s gone up, everything’s gone up.”

So we did what we do best — we reviewed everything.

Her income hadn’t changed much. Her house had gone up in value. And even though rates were still a bit higher than they’d been in 2021, there were options. She didn’t need to wait for her lender’s offer.

By comparing deals from over 200 lenders, we found her a new 2-year fixed deal that saved her £192 a month compared to the standard variable rate her lender would’ve defaulted her to.

That’s over £2,300 saved in the first year alone.

Remortgaging isn’t just about rates — it’s about timing, planning, and knowing what the market’s doing. And in 2025, it matters more than ever.

If your deal ends this year, don’t wait for the renewal letter. Let’s start planning now — your future self will thank you.

💷 Want to review your mortgage before it costs you more? Let’s chat.