Cyborg Finance

Compare remortgages and product transfers, review your rate and explore additional borrowing for your home.

Mortgages for Homeowner Remortgage

When your fixed or introductory rate ends, your mortgage slips onto your lender's Standard Variable Rate (SVR), and that's rarely the cheapest place to be. Remortgaging lets you take back control: switch to a new lender for a better rate, do a product transfer with your current lender, borrow more against the equity you've built, or simply lock in certainty for the years ahead.

Our advisers compare your options across the whole market, including product transfers your current lender won't always volunteer, and remortgage deals that could cut your monthly payment, release equity, or both, and manage the switch so your new deal starts the moment your old one ends.

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Remortgage deals by loan-to-value

Your loan-to-value (LTV) is the relationship between your mortgage balance and your property's current value, and it's the single biggest factor in which remortgage rates you'll see. As you pay down your mortgage and (often) as your property value rises, your LTV can improve, unlocking better deals.

Use the tabs below to compare today's lowest true-cost remortgage deals across different LTV bands.

These tables show illustrative best-buy deals for a typical remortgage. Your own rate and options depend on your circumstances. Speak to an adviser for a personalised comparison.

Explore our remortgage resources

From timing your switch to understanding early repayment charges, product transfers and additional borrowing, we've pulled together everything you need to remortgage with confidence.

Remortgage Case Studies

Explore realistic remortgage scenarios showing how homeowners approach rate switches, borrowing more, consolidation, and timing challenges—plus the factors that typically shape outcomes.
Remortgage Calculators

Use this remortgage calculator to estimate how your monthly repayments could change, explore the impact of interest rate and remaining term, and understand how loan-to-value (LTV) may shift.
Remortgage News
Remortgage FAQs

Answers to common remortgage questions covering timing, costs, early repayment charges, paperwork, and how the process works when you switch deals or lenders.
Remortgage Guides

Browse our remortgage guides: when to remortgage and how timing works, rate switches and product transfers, costs and early repayment charges, borrowing more, paying off your mortgage early, and remortgaging with bad credit or complex income.

How our remortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

Our residential mortgage lenders

These lenders offer residential mortgages. For your remortgage, we compare their criteria and available products against your current deal, borrowing needs and circumstances.

Remortgage Guides

Should I overpay my mortgage?

A practical guide for remortgaging homeowners on the potential benefits and drawbacks of mortgage overpayments, including how lender rules, early repayment charges, and cashflow can affect the outcome.
Remortgaging explained: when to switch and what it costs

A comprehensive guide to remortgaging for homeowners—what it is, why you might do it, how the process works, typical costs, and how timing affects the outcome.
Green mortgages for remortgage borrowers: an overview

Learn how green mortgages work for remortgage customers, how EPC ratings influence lender decisions, what energy improvements may be funded, and how to plan timing and evidence.
Remortgaging vs product transfer: which is best?

A practical guide for UK homeowners comparing remortgaging with a product transfer, including how each option works, typical timelines, costs to consider, and the factors that affect rates.

Remortgage News

Fixing for five years? Check what it costs to leave

Considering a five-year fix but hoping rates fall? Check the early repayment charges. Some decline, some stay flat, and others end before the fixed rate does. Flexibility matters, but so does its price

Ready to talk through your remortgage?

Tell us where you are in your mortgage cycle and one of our advisers will come back to you with clear, no-pressure guidance on your next steps, whether that's a product transfer, a full switch, or borrowing more.

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Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.