Remortgage Advice UK: Stop Paying SVR & Start Saving Today.
Don't let your deal expire onto an expensive standard variable rate. Access over 100 lenders, including exclusive broker-only rates, with expert guidance tailored to your situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
What is Remortgaging and When Should You Act?
Remortgaging means switching your existing mortgage to a new deal - either with your current lender or a different one - without moving home. When your fixed-rate deal ends, moving onto your lender's standard variable rate (SVR) can cost you significantly more each month. Many homeowners also remortgage to release equity, consolidate debt*, or fund home improvements. As specialist remortgage advisors, KB Mortgage Solutions compare over 100 lenders to find the right deal for your circumstances.
*you may end up paying more for debt over a longer term.
Rate Comparison
We compare your current deal against 100+ lenders to confirm switching actually saves you money.
Seamless Transition
The entire switch is handled for you — from application to completion — with no gap in your mortgage cover.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Why Should You Consider Switching Your Mortgage?
Every remortgage situation is different. We assess your current deal, remaining term, and financial goals to recommend the right move.
Fixed Rate Ending
When your fixed deal expires, you move onto your lender's SVR — often 2–4% higher. Remortgaging before or at expiry locks in a competitive new rate and avoids overpaying.
Lower Monthly Payments
Even a small rate reduction across your remaining term can save thousands. We check whether switching makes financial sense after any early repayment charges.
Release Equity
Remortgaging to release equity can fund home improvements, help family members onto the property ladder, or cover major expenses — subject to affordability and lender criteria.
Debt Consolidation
Rolling higher-interest debts into your mortgage can reduce your total monthly outgoings. We explain the full cost implications so you can make an informed decision. Think carefully before securing other debts against your home.
Change Mortgage Type
Moving from a variable rate to a fixed rate gives you payment certainty. Or you may want to switch from repayment to interest-only to suit a change in circumstances.
Borrow More
Some lenders allow you to borrow more when remortgaging — for renovations, extensions, or other purposes — subject to affordability.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Should I Remortgage Now or Wait?
Timing a remortgage correctly can save you thousands — or cost you if you get it wrong. The decision depends on your specific circumstances.
- ✓Most lenders let you lock in a new rate 3–6 months before your deal ends — securing today's rates without early repayment charges
- ✓If rates are rising, acting sooner can protect you from higher payments down the line
- ✓Our KB Property Life-Time Guarantee (subject to terms) means every future like-for-like remortgage is handled free
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Staying on SVR vs Remortgaging
A clear side-by-side comparison
| Feature | Staying on SVR | Remortgaging |
|---|---|---|
| Interest Rate | Lender's variable rate | Competitive fixed or tracker |
| Monthly Payment | Typically much higher | Often significantly lower |
| Payment Certainty | Rate can change anytime | Fixed for your chosen term |
| Lender Options | Stuck with current lender | Choice of 100+ lenders |
| Future Remortgage | Standard fees apply | Free via KB Guarantee† |
†KB Property Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask KB Mortgage Solutions for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online