When your fixed rate ends you do not have to simply accept whatever your current lender offers. We will search the market and make sure you are on the best possible deal for your circumstances.
Most mortgage deals last between two and five years. When the fixed or tracker period ends, you typically move onto your lender's standard variable rate, which is almost always higher. That is the moment to act. But there are other reasons to review your mortgage too, even if your deal has not ended yet.
We will review your options up to six months before your current deal expires, so you never slip onto a standard variable rate by accident. We handle everything so there is nothing for you to chase.
If rates have moved significantly since you took out your mortgage, it may be worth reviewing whether an early remortgage even with an early repayment charge could save you money overall.
A higher property value means a lower loan to value ratio, which can open up access to better rates. If your home has gone up significantly in value, it is worth reviewing what you could now qualify for.
If you are looking to extend, renovate or improve your home, remortgaging to release equity can be an effective and cost efficient way to fund the work.
If you have moved up a band or received a significant pay increase since your original mortgage, a remortgage review could show that you qualify for a better deal based on your improved affordability position.
Your current lender will typically offer you a product transfer when your deal ends, which means moving to a new rate with them without a full application. This is quick and simple, but it does not guarantee you are getting the best rate available. We will compare your lender's offer against the broader market and give you an honest assessment of where you stand.
A straightforward remortgage where there are no complications typically completes within four to eight weeks. We will give you a realistic timeline from the outset and keep you updated throughout so there are no surprises and no gaps in cover between your deals.
"My fixed rate was ending and I had no idea where to start. Elaine took over completely reviewed everything, found a much better deal than my current lender had offered and handled all the paperwork. I did not have to do anything except sign."
I had an excellent experience working with Elaine at Penguin Mortgages. She is always happy to help and took the time to answer every question thoroughly and clearly. Her advice was detailed, professional, and made the whole process much easier to understand. They were also incredibly friendly and quick to respond. I really appreciated their support and would highly recommend them to anyone looking for reliable and knowledgeable mortgage advice.
22 May 2026
We honestly cannot thank Elaine enough for everything she did for us during our home-buying journey. After a very frustrating experience with the developer’s advisor, who made the process stressful and unhelpful, Elaine completely turned things around for us. She was professional, patient, knowledgeable, and always ready to support us every step of the way. Elaine kept us informed throughout the process, explained everything clearly, and genuinely fought to get the best outcome for us. What once felt impossible became possible because of her dedication and hard work. If you are looking for a mortgage advisor who actually cares about her clients and goes above and beyond, I highly recommend Elaine. Thank you again for coming through for us
19 May 2026
Elaine helped us get a mortgage. She was on hand all the way through. Every worry or concern I had and every step of the way she was a message or call away. I would 1000% recommend Elaine! I never thought I'd be able to get a mortgage but thanks to Elaine we will be moving in to our new home shortly.
7 April 2026
I was referred by someone who spoke highly of Elaine's services, and I must say that Elaine's services was nothing short of expectations, if anything at all, my referee didn't do justice to explaining how beyond excellent her services are. Elaine held my hands throughout the process and even assured me, I can always come back to her anytime. I can't count the number of times I sent her a message or called her out of hours, and she was always happy to help. Her professional and communication skills are top-notch, and she was so graceful in her approach, even at times when I was a bit confused. Thank you so much Elaine, you will always come highly recommended in my books.
3 February 2026
Elaine is professional and having excellent communication skills and well experienced. Elaine has earned my trust 💯. She made me feel at home with all her advice as she gives you the best you can get anywhere. I will recommend her anytime to anybody.
16 January 2026
