Remortgage: Compare & Save with AI
Pricentia analyses hundreds of remortgage deals and suggests the best one directly on WhatsApp. Save up to £3,000 a year on your mortgage payments.
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Remortgage Options
Choose the remortgage deal that saves you the most
Lower Rate Remortgage
Switch to a better interest rate and reduce your monthly payments significantly
Fixed Rate Security
Lock in a fixed rate for 2, 3, 5 or 10 years to protect against rate rises
Equity Release Remortgage
Release cash from your property for home improvements, debt consolidation or investments
Debt Consolidation
Roll expensive debts into your mortgage at a lower rate and reduce monthly outgoings
Fee-Free Remortgage
No arrangement fees, legal fees or valuation charges on selected deals
Cashback Deals
Receive cashback up to £2,000 when you remortgage to help with costs
Flexible Overpayment
Overpay up to 10% annually without penalties to clear your mortgage faster
Product Transfer
Stay with your current lender but switch to a better product if moving is too costly
How to Compare Remortgage Deals with Pricentia
Three simple steps to find the best remortgage for your situation
Enter Your Details
Provide your current mortgage and property information. Pricentia analyses your details and compares them with hundreds of remortgage deals in real time.
Get the Best Offers
You can also interact for a better experience on Telegram/WhatsApp, to explore further and evaluate the best options.
Switch and Save
When you find the ideal deal, receive all the guidance on how to proceed with your application and complete the switch seamlessly.
What Affects Your Price
APR (Interest Rate)
Your interest rate is the biggest factor. Even 0.5% lower can save you thousands over your mortgage term.
Loan Term Length
Remaining years on your mortgage. Extending the term lowers payments but increases total interest paid.
Loan Amount & LTV
Your loan-to-value ratio affects rates. More equity (lower LTV) means better rates available.
Property Security
Your home secures the loan. Property type, condition and location all affect available deals.
Income & Affordability
Lenders reassess affordability when remortgaging. Higher income and lower debts unlock better rates.
Credit Score
Your credit history impacts rates. Improved credit since your original mortgage can save you significantly.
Everything You Need to Know
Remortgage UK: Compare & Save with Pricentia
Pricentia is the smart assistant that helps you find the best remortgage deal at the lowest rate. Unlike traditional comparison sites, Pricentia doesn’t leave you alone with endless tables of quotes: the AI assistant contacts you on Telegram or WhatsApp to guide you through choosing the perfect remortgage to save you thousands.
In 2025, with mortgage rates fluctuating, remortgaging at the right time can save you £2,000-£3,000 per year on a typical mortgage. With Pricentia you can analyse quotes from over 100 FCA-regulated lenders in just 3 minutes.
Why Remortgage?
Remortgaging means switching your existing mortgage to a new deal. Here are the main reasons people remortgage:
Get a Better Interest Rate Your current lender’s loyalty rarely pays. New customer deals are almost always cheaper than staying on your lender’s standard variable rate (SVR), which can be 2-3% higher than the best fixed rates. Switching can save you hundreds per month.
Fixed Term Ending When your initial fixed or tracker rate period ends, you automatically move to your lender’s SVR, typically 1-3% higher. Remortgaging to a new fixed rate before this happens protects you from rate rises and reduces monthly payments.
Release Equity from Your Home If your property has increased in value, you can remortgage to release cash for home improvements, debt consolidation, investments, or other major expenses. You access your property wealth at mortgage rates (much cheaper than personal loans or credit cards).
Consolidate Expensive Debts Roll credit cards, personal loans and car finance into your mortgage at a much lower rate. While this extends the repayment period, it can significantly reduce your total monthly outgoings and save you thousands in interest.
Types of Remortgage Deals
Fixed Rate Remortgage (Most Popular) Lock in your rate for 2, 3, 5 or even 10 years. Fixed rates offer payment certainty and protection from rate rises. In 2025, 5-year fixes are particularly popular as they balance rate security with competitive pricing.
Tracker Rate Remortgage Your rate tracks the Bank of England base rate plus a set margin (e.g., base rate + 1%). You benefit when rates fall but pay more when they rise. Good for those who believe rates will decrease.
Standard Variable Rate (SVR) Your lender’s default rate, typically 1-3% higher than fixed deals. Only suitable if you’re planning to move very soon and can’t commit to a new deal. Otherwise, remortgage to avoid SVR.
Offset Mortgage Link your savings to your mortgage to reduce interest charged. Your savings offset your mortgage balance, saving you interest while keeping instant access to your money.
Remortgage Options
Key features to look for:
- Fee-Free Deals: No arrangement, legal or valuation fees
- Cashback Offers: Up to £2,000 cashback to cover switching costs
- Free Valuation: Property survey at no cost
- Free Legal Work: Conveyancing included
- Overpayment Flexibility: Pay off up to 10% extra annually without penalties
- Portable Mortgages: Take your deal with you if you move house
How to Get the Best Remortgage Deal
Pricentia suggests the most effective strategies to maximize your remortgage savings:
- Start early: Begin comparing 3-6 months before your fixed term ends
- Check your credit score: Improve it before applying for better rates
- Calculate true costs: Include all fees, not just the interest rate
- Consider your plans: How long will you stay in the property?
- Check early repayment charges: On your current mortgage before switching
- Use rate reservation: Lock in good rates for 3-6 months while you prepare
Why Choose Pricentia for Remortgaging
Unlike traditional comparison websites, Pricentia offers a completely different experience:
AI Assistant on Telegram or WhatsApp You don’t have to interpret dozens of mortgage quotes alone. The intelligent assistant contacts you on Telegram or WhatsApp, asks targeted questions about your current mortgage and suggests the deals best suited to saving you the most money.
Personalised Savings Calculations Pricentia analyses your specific situation: current rate, outstanding balance, property value, remaining term. You see exactly how much you’ll save monthly and over the full term with each deal.
Ongoing Monitoring Even after you remortgage, Pricentia monitors rates and alerts you when it’s time to switch again, ensuring you’re always on a competitive deal.
Information Needed for a Remortgage Quote
To get an accurate remortgage quote you’ll need:
- Current mortgage details: Balance, rate, monthly payment
- Property value: Estimated current market value
- Remaining term: Years left on your mortgage
- Income details: For all applicants
- Credit history: Any changes since original mortgage
- Early repayment charges: On your current deal if within fixed term
With Pricentia you can start comparing even without all the information: the assistant will guide you step by step through completing your application.
Understanding Remortgage Savings
Your potential savings depend on several factors:
| Current Mortgage | New Rate | Monthly Saving | Annual Saving | 5-Year Saving |
|---|---|---|---|---|
| £150,000 @ 5.5% | 4.0% | £135 | £1,620 | £8,100 |
| £200,000 @ 5.5% | 4.0% | £180 | £2,160 | £10,800 |
| £250,000 @ 5.5% | 4.0% | £225 | £2,700 | £13,500 |
| £300,000 @ 5.5% | 4.0% | £270 | £3,240 | £16,200 |
Figures based on 20-year remaining term. Actual savings vary based on your specific circumstances.
Pricentia calculates your exact savings potential, factors in all switching costs, and shows you your break-even point, ensuring remortgaging makes financial sense for your situation.
Why Compare Remortgage Deals with Pricentia
The smart assistant that works for you, not the lenders
Impartial Comparison
Pricentia analyses quotes from lenders without favouring anyone. You always find the best deal for you.
AI Assistant on Telegram or WhatsApp
Receive personalised recommendations. Instant responses, no waiting.
Guaranteed Savings
Pricentia users save an average of +20% on their mortgage payments by remortgaging to better rates.
100% Free
The comparison service is completely free. No hidden costs, no fees charged to you.
Pricentia: Reliability and Transparency
FCA-Regulated Lenders Only
We only compare mortgages from FCA-authorised and regulated lenders, guaranteeing maximum security.
Real Rates, No Tricks
The rates shown are the actual prices. No bait-and-switch tactics that increase at application.
Human + AI Support
Pricentia's artificial intelligence is backed by a team of experts who supervise to provide you with the best experience.
Frequently Asked Questions
Remortgaging is switching your existing mortgage to a new deal, either with your current lender or a different one. Most people remortgage to get a better interest rate, release equity, or avoid their lender's higher standard variable rate. Pricentia helps you find the best remortgage deal by comparing options from over 100 UK lenders.
Remortgaging can: lower your monthly payments by securing a better rate, release cash from your property equity, consolidate expensive debts at lower rates, switch from variable to fixed for payment certainty, or access better features like overpayment flexibility. Pricentia calculates exactly how much you could save.
Typical remortgage costs include: arrangement fees (£0-£2,000), valuation fees (£250-£1,500), legal fees (£300-£1,000), and potential early repayment charges on your current mortgage. Many deals offer fee-free remortgaging or cashback to cover costs. Pricentia shows you the true cost of each deal.
With Pricentia, comparing remortgage deals is simple: enter your current mortgage and property details, our AI analyses hundreds of options, and contacts you on Telegram or WhatsApp with the most competitive deals. In just 3 minutes you receive personalised quotes from top UK lenders.
Savings vary based on your current rate and outstanding balance. On a £200,000 mortgage, switching from 5% to 4% would save you approximately £120/month (£1,440/year). Pricentia's AI calculates your exact savings potential and finds the best deal available.
The remortgage process typically takes 4-8 weeks from application to completion. This includes: application (1-2 days), valuation (1-2 weeks), legal work (2-4 weeks), and completion. Pricentia connects you with lenders offering the fastest processing times.
You should remortgage if your fixed term is ending (to avoid high SVR rates), rates have dropped since you took your mortgage, you want to release equity, or your credit score has improved. Loyalty rarely pays with mortgages - switching can save you thousands. Pricentia helps you time your remortgage perfectly.
While product transfers with your current lender are convenient, they rarely offer the best rate. Pricentia compares 100+ lenders including your current one. On average, borrowers save £2,000+ annually by switching lenders rather than staying put. Our AI ensures you see all your options.
Total remortgage costs typically range from £0 (fee-free deals with cashback) to £3,000 (arrangement + legal + valuation fees). However, the savings from a lower rate usually outweigh costs within months. Pricentia calculates your break-even point and ensures remortgaging makes financial sense.
Most lenders require at least 5% equity (95% LTV), but having 10-20% equity unlocks significantly better rates. The more equity you have, the lower your rate. Pricentia shows you exactly which rates you qualify for based on your equity position.
The best deal depends on your circumstances: how long you plan to stay in the property, your risk tolerance (fixed vs variable), whether you need to release equity, and your credit score. Pricentia analyses your profile and suggests the most suitable deals via Telegram/WhatsApp, explaining the pros and cons.
2-year fixes typically have lower rates but you'll need to remortgage sooner. 5-year fixes offer longer security and lower arrangement fees over time. If rates are expected to rise, 5-year fixes offer better value. Pricentia helps you choose based on rate forecasts and your plans.
Start comparing deals 3-6 months before your current fixed term ends. Most lenders let you reserve rates for 3-6 months, protecting you from rate rises while avoiding your lender's standard variable rate. Pricentia reminds you when it's time to compare and monitors rates for you.
Don't remortgage if: your early repayment charges exceed your savings, you're planning to move within 6 months, or you're in negative equity. However, even with ERCs, remortgaging can sometimes save money. Pricentia calculates whether it's worth it for your specific situation.
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