Fixed rate ending / thinking of remortgaging?
Start with the true cost of switching — fees, ERCs and interest in one view
RLPublished by Rodway Labs — not a mortgage adviser
One clear path for UK homeowners: estimate whether remortgaging beats staying, then compare a product transfer and read the timing guide. Clear assumptions — not personalised FCA-regulated advice.
Featured decision path
Remortgage true cost → transfer compare → timing guide
Fees and ERCs often decide the case — start there before hunting rates.
Open true-cost calculatorMore tools
Optional calculators once you have a first true-cost view.
Should I switch?
True cost
Estimate the net cost of remortgaging: early repayment charges, fees, cashback and interest difference over a comparison period.
Stay or switch?
Vs product transfer
Side-by-side net cost of staying with a product transfer versus remortgaging to a new lender.
Know your payment
Repayment
Standard capital-and-interest monthly payment, total interest and repayable amount with clear assumptions.
Leaving a deal early
ERC estimator
Estimate ERC using % of balance or months-of-interest methods — always check your offer wording.
Guides worth reading
When should you remortgage?
Timing your remortgage around fixed-rate end dates, ERC windows and SVR risk — with a practical checklist.
Product transfer explained
What a product transfer is, when staying with your lender can make sense, and when a full remortgage may win on cost.
Fixed rate ending — what to do next
Checklist for the final 6 months of a fixed deal: SVR risk, product transfer quotes, remortgage timeline.
All calculators are illustrative and not personalised financial advice. Remortgage Lab is not a lender or broker. England & NI focus where tax/SDLT rules apply. Calculator disclaimer.