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."
Elaine was amazing throughout our whole mortgage experience. Any time we had questions, she would message us back immediately and put our minds at rest. She was extremely knowledgeable about all aspects and knew the answer for all of our worries and questions. Elaine was very personable throughout our experience and was very happy for us when everything was approved. I would highly recommend Elaine.
28 July 2026
I cannot thank Elaine enough for all the work they have put in to help me with my first time buying a property. They took a lot of the stress off of me by organising the mortgage and solicitors, which was a huge help. Elaine kept me up to date throughout the process and was more than happy to answer any questions I had. Thank you again Elaine.
16 July 2026
I don’t normally write reviews, but Elaine truly deserves this. I first discovered Elaine on TikTok, where she shared that NHS bank work could be a positive factor in a mortgage application. That video changed my mindset and made me believe that owning my own home was possible. I reached out to Elaine, and from day one she was kind, patient, approachable, and genuinely supportive. She guided me through every step of the mortgage process, explained everything clearly, and worked hard to secure my mortgage offer. What makes Elaine special is that her support didn’t stop after the offer was received. She continued to check in, provide advice, and go the extra mile. She truly cares about her clients and wants to see them succeed. I am grateful for the role she has played in helping me move closer to achieving my dream of owning a home. If you are looking for a mortgage broker who is knowledgeable, trustworthy, and genuinely cares, I highly recommend Elaine.
16 July 2026
We cannot thank Elaine Buck at Penguin Mortgages enough for the outstanding support, dedication and expertise she showed throughout our remortgage journey. As two NHS staff members, we knew our situation was not the simplest case. After having difficulties with other mortgage advisors previously and feeling like our circumstances were not fully understood, we were unsure whether we would be able to achieve the outcome we had been working towards. Finding Elaine and Penguin Mortgages was a turning point. Penguin’s specialist knowledge of NHS staff and the complexities around NHS income, payslips, enhancements and the way NHS employees are paid made such a difference. Elaine genuinely understood our circumstances and knew how to approach our case in a way that other advisors had not been able to. From the very beginning, Elaine was exceptional. She took the time to listen, understand every detail of our situation, and explain everything clearly. Mortgage processes can be overwhelming, but Elaine has an incredible ability to break down complicated information and make it easy to understand, giving us confidence every step of the way. She was patient, professional, approachable and always available to answer our questions. Nothing ever felt like too much trouble. Elaine kept us updated, guided us through each stage, and made what could have been a very stressful experience feel seamless and manageable. Most importantly, Elaine went above and beyond. She didn’t just find us a mortgage solution — she fought to secure the result we had been hoping for despite our challenging circumstances. After previous setbacks, she achieved what others could not, and we are incredibly grateful for her commitment, knowledge and determination. We honestly could not recommend Elaine and Penguin Mortgages highly enough. If you are NHS staff and looking for a mortgage advisor who truly understands your situation, listens to you and genuinely cares about getting the best outcome, Elaine is the person you want on your side. Thank you so much, Elaine — your support has meant more than you know. 💙
27 June 2026
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