How long does it take to remortgage?

Typically, it takes around 4 to 8 weeks to remortgage. However, we can’t guarantee this time, each case is unique so it could take longer or be completed quicker. The best thing is to prepare, get documents ready, research deals, and consider whether you’re likely to switch lenders as early as you can. It's worth noting that changing lenders typically takes longer than staying with your current one. Your new lender will require the same comprehensive documentation you provided when first purchasing your home, as you'll essentially be a new customer bringing a new property into their portfolio.

Should I remortgage to change from an interest-only mortgage to repayment?

The good news is that most lenders will allow you to change from an interest-only to a repayment without a remortgage. If you want to go the other way, repayment to interest-only, you might find it a little more difficult. Talk to your lender if you’re looking to do either of the above.

How often can I remortgage?

In theory you can remortgage as often as you’d like. Although remortgaging too often will likely incur heavy fees. The most cost-effective approach would be to remortgage when your current deal ends to avoid charges.

When is the best time to remortgage my house?

The best time to remortgage your house is typically 3-6 months before your current mortgage deal expires. This timing allows you to secure a new deal without facing early repayment charges while avoiding being moved to your lender's standard variable rate.

How do I know when to start looking at remortgaging?

You should start looking at remortgaging when you receive renewal notifications from your lender, typically 3-6 months before your deal ends. Also consider starting your search if interest rates drop significantly or your financial situation improves.

When is the best time to remortgage in 2026?

When is the right time to remortgage, and how soon can you start? We break it all down here.

Last updated 13 Jan 2026

An illustration of a family home that has boxes inside to represent the moving process.

Key takeaways

Start early - Begin exploring remortgage options 6 months before your deal ends to avoid being switched to your lender's higher SVR (currently averaging 7.99%)

Compare costs carefully - Factor in all fees and early repayment charges when considering switching, as these could outweigh potential savings

Product transfer vs. remortgage - Staying with your current lender (product transfer) is usually simpler but switching lenders might offer better deals if the savings outweigh the hassle

Timing matters - The best time to remortgage is typically when your current deal ends, but other situations like significant interest rate drops or improved financial circumstances might justify an early switch

When should I remortgage?

When is the best time for you to remortgage? Well, the answer depends on your situation, but you can remortgage whenever you like.

The best time to remortgage is typically 3-6 months before your current deal ends.

Remortgaging is usually done to get a better deal, whether that’s lower monthly payments, a more flexible plan, or both. You might also want to remortgage to free up some extra cash by releasing equity you’ve built up in your property.

We’ll take a look at when remortgaging is most beneficial and when might be the best time for you to remortgage.

What is remortgaging?

Remortgaging can sound daunting, but it’s actually very simple. Remortgaging is when you switch your mortgage to a new one.

This could be with the same lender or switching to a new one. If you’re staying with the same lender, it is also referred to as a “product transfer”.

Remortgaging is very common. You should be looking to remortgage at the end of your current deal. But keep in mind that you don’t need to wait until your current deal expires, you can start the process earlier to ensure a smooth switch and avoid being put on your lender’s standard variable rate (SVR).

Learn more:

A helpful guide to remortgaging

When is the best time to remortgage in 2026?

When is the right time to remortgage, and how soon can you start? We break it all down here.

When should I remortgage?

What is remortgaging?

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