Switch to a better deal or release equity
Remortgaging can lower your monthly payments, shorten your term, or unlock equity for home improvements, debt consolidation, or investment. We'll find the option that makes sense for you.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
If your fixed rate is coming to an end — or you're already on your lender's standard variable rate — remortgaging is often one of the biggest savings a household can make.
Our advisers compare your current deal against the whole market, factor in any early repayment charges, and only recommend switching when the numbers genuinely work in your favour.
Reasons customers remortgage
- Coming to the end of a fixed or tracker deal
- Reducing monthly payments
- Releasing equity for home improvements
- Consolidating expensive unsecured debt
- Changing the mortgage term
- Switching from interest-only to repayment
When to start looking
Most lenders let you secure a new rate up to six months before your current deal ends. Getting an offer in early gives you a rate to fall back on if the market moves against you.
Product transfer vs remortgage
Staying with your existing lender (a product transfer) is often faster but rarely the cheapest. We'll compare it against the whole market so you can see the difference before you decide.
Frequently Asked Questions
Can I remortgage if my circumstances have changed?+
Yes — lenders reassess affordability. If your income, employment, or credit history has changed, we'll match you to a lender comfortable with your situation.
Are there early repayment charges?+
Most fixed and tracker deals have ERCs during the introductory period. We'll always weigh the cost of leaving against the saving from switching.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB