{"id":4109,"date":"2026-07-17T13:22:45","date_gmt":"2026-07-17T12:22:45","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=4109"},"modified":"2026-07-17T13:22:47","modified_gmt":"2026-07-17T12:22:47","slug":"switching-mortgage-providers","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/switching-mortgage-providers\/","title":{"rendered":"Switching\u00a0your mortgage provider to\u00a0get\u00a0a new deal\u00a0"},"content":{"rendered":"<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        In Summary\u00a0    <\/h2>\n    <div class=\"c-section__content\">\n        <p><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Many people consider switching their mortgage lender when their current deal is ending, to get more favourable rates or terms<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Switching deals to a new provider is called remortgaging, whilst switching deals with your current lender is known as a product transfer<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>Switching your mortgage lender could help you to avoid moving onto your existing lender\u2019s Standard Variable Rate (SVR), which\u00a0can be\u00a0much\u00a0higher\u00a0than your\u00a0existing\u00a0rate<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>The\u00a0potential\u00a0benefits\u00a0of\u00a0switching mortgage deals are\u00a0more\u00a0competitive\u00a0rates,\u00a0the chance of lowering monthly payments, or the total cost of your mortgage<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/p>\n<li>The main drawbacks include fees, checks and the time it takes to switch<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>Switching mortgages at the end of the&nbsp;initial&nbsp;period involves more research and admin, but&nbsp;it\u2019s&nbsp;a process many homeowners consider&nbsp;keeping&nbsp;their payments manageable and make sure their mortgage still works for them.&nbsp;<\/p>\n\n\n\n<p>In this guide,&nbsp;we\u2019ll&nbsp;walk you through you might want to switch your mortgage deal, how the process works, and what to think about before you decide.&nbsp;<\/p>\n\n\n\n<p>If&nbsp;you\u2019d&nbsp;like to understand all remortgage options, you can also read our complete&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/what-is-remortgaging\/\" target=\"_blank\" rel=\"noreferrer noopener\">remortgaging<\/a>&nbsp;guide.&nbsp;<\/p>\n\n\n\n<h2 id=\"when-is-the-right-time-to-consider-switching-providers\" class=\"wp-block-heading\">When is the right time to consider switching providers?&nbsp;<\/h2>\n\n\n\n<p>Switching your mortgage is usually most worthwhile when your current deal is&nbsp;coming to an end, but there are a few key moments to keep in mind.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Situation<\/strong><\/td><td><strong>Why it matters<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Your deal is about to end&nbsp;<\/td><td>If&nbsp;your fixed deal is&nbsp;coming to an end&nbsp;in the next 6 months,&nbsp;it\u2019s&nbsp;worth reviewing&nbsp;what other&nbsp;mortgage&nbsp;deals are available. When fixed deals end, you will roll onto the lender\u2019s&nbsp;Standard&nbsp;Variable Rate (SVR) which&nbsp;could&nbsp;mean higher interest rates.&nbsp;<\/td><\/tr><tr><td>You\u2019re\u00a0on or about to roll onto the SVR<\/td><td>Lender SVRs are the default rate they charge once a deal ends. This means they are not usually as competitive as other rates for new customers,&nbsp;so&nbsp;it\u2019s&nbsp;worth reviewing which is best suited&nbsp;to&nbsp;your current circumstances.&nbsp;<\/td><\/tr><tr><td>Your home has increased in value&nbsp;<\/td><td>A lower loan-to-value (LTV) could unlock better mortgage rates, so checking your current equity can help you decide what to do.&nbsp;<\/td><\/tr><tr><td>Interest rates are changing&nbsp;<\/td><td>Switching providers can help you secure a more competitive rate before interest rates increase. If&nbsp;you\u2019re&nbsp;considering switching before your current deal ends,&nbsp;make sure you check your early repayment charges (ERCs).&nbsp;&nbsp;<br>&nbsp;<br>ERCs,&nbsp;additional&nbsp;fees, timing and suitability must be considered before switching early. The conveyancer will also look at this to confirm timings.&nbsp;<\/td><\/tr><tr><td>Your circumstances have changed&nbsp;<\/td><td>You may want a deal that better suits your income or plans&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"when-should-you-start-looking\" class=\"wp-block-heading\">When&nbsp;should you start looking?&nbsp;<\/h2>\n\n\n\n<p>Most lenders let you secure a deal 3 to 6 months in advance, giving you time to compare options and avoid gaps between deals.&nbsp;Start by looking at the&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/current-remortgage-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">current remortgage rates<\/a>&nbsp;available,&nbsp;or&nbsp;to get an idea of what might be out there.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"3187649f004db456a447b11950bab7db\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Remortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See your new estimated monthly repayments.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"best-factors-to-consider-when-switching-mortgage-deals\" class=\"wp-block-heading\">Best factors to consider when switching mortgage deals&nbsp;<\/h2>\n\n\n\n<h3 id=\"consider-the-deal-beyond-the-headline-rate\" class=\"wp-block-heading\">Consider the deal beyond the headline rate&nbsp;<\/h3>\n\n\n\n<p>A lower&nbsp;interest rate can look appealing but&nbsp;it\u2019s&nbsp;important to consider the full cost of the deal&nbsp;to help inform your decision.&nbsp;<\/p>\n\n\n\n<p>These costs&nbsp;include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Arrangement or product fees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal or valuation costs&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The overall cost&nbsp;of the mortgage&nbsp;over the fixed period&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"decide-on-fixed-or-variable-tracker-rates\" class=\"wp-block-heading\">Decide on fixed or variable tracker rates&nbsp;<\/h3>\n\n\n\n<p>Before switching, think about the type of deal that suits you best.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A fixed rate offers certainty, with stable monthly payments&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A&nbsp;tracker&nbsp;or variable&nbsp;rate can go up or down, depending on wider interest rates&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Choosing between these depends on how much flexibility or stability you want.&nbsp;<\/p>\n\n\n\n<h3 id=\"evaluate-the-overall-timeline\" class=\"wp-block-heading\">Evaluate the overall timeline&nbsp;<\/h3>\n\n\n\n<p>Switching lenders typically takes several weeks,&nbsp;especially&nbsp;with&nbsp;the substantial&nbsp;legal work involved&nbsp;to move the loan over.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Whilst product transfers are much quicker&nbsp;and&nbsp;more&nbsp;flexible on dates,&nbsp;remortgages&nbsp;usually&nbsp;aim to go live the month your ERC period ends, but before you&nbsp;have&nbsp;to&nbsp;pay SVR rate.&nbsp;<\/p>\n\n\n\n<p>It\u2019s&nbsp;also worth thinking about:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The length of your next deal (e.g. 2, 3, or 5 years)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How long you plan to stay in your home&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whether a shorter or longer deal fits your goals&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"look-for-useful-features-and-flexibility\" class=\"wp-block-heading\">Look for useful features and flexibility&nbsp;<\/h3>\n\n\n\n<p>Mortgage deals come with&nbsp;different features&nbsp;that can make a real difference, such as:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Overpayment allowances&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Early repayment charges&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Portability (taking your mortgage with you if you move)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Flexible repayment options&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>These can help your mortgage adapt if your situation changes.&nbsp;<\/p>\n\n\n\n<h2 id=\"which-deals-can-i-consider-switching-to\" class=\"wp-block-heading\">Which deals can I consider switching to?&nbsp;<\/h2>\n\n\n\n<p>When switching your mortgage,&nbsp;it\u2019s&nbsp;worth considering the&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">type of mortgage deal<\/a>&nbsp;you want.&nbsp;Most people choose between fixed or tracker deals.&nbsp;<\/p>\n\n\n\n<h3 id=\"fixed-rate-mortgage-deals\" class=\"wp-block-heading\">Fixed rate mortgage deals&nbsp;<\/h3>\n\n\n\n<p>A fixed-rate mortgage locks in your interest rate for a set period.&nbsp;This means:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your monthly payments&nbsp;won\u2019t&nbsp;change&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019ll&nbsp;have more certainty when budgeting&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 id=\"tracker-rate-mortgage-deals\" class=\"wp-block-heading\">Tracker rate mortgage deals&nbsp;<\/h3>\n\n\n\n<p>A tracker mortgage follows the Bank of England base rate, meaning your payments can go up or down.&nbsp;This can offer flexibility but also some uncertainty.&nbsp;<\/p>\n\n\n\n<h2 id=\"the-pros-of-switching-mortgage-deals-at-the-end-of-the-initial-term\" class=\"wp-block-heading\">The pros of switching mortgage deals at the end of the&nbsp;initial&nbsp;term&nbsp;<\/h2>\n\n\n\n<p>Understanding the benefits can help you decide if switching is right for you.&nbsp;<\/p>\n\n\n\n<h3 id=\"1-avoid-the-standard-variable-rate-svr\" class=\"wp-block-heading\">1. Avoid the&nbsp;Standard&nbsp;Variable Rate (SVR)&nbsp;<\/h3>\n\n\n\n<p>Lender\u2019s&nbsp;Standard&nbsp;Variable&nbsp;Rates are often much higher than the fixed term rates offered. Choosing another fixed-rate deal means you know exactly what you will pay each month for the next two, three, or five years. This protects you from potential Bank of England base rate changes.&nbsp;<\/p>\n\n\n\n<h3 id=\"2-access-to-more-competitive-rates\" class=\"wp-block-heading\">2. Access to more competitive rates&nbsp;<\/h3>\n\n\n\n<p>The mortgage market changes regularly, with lenders competing to attract new customers.&nbsp;<\/p>\n\n\n\n<p>Switching mortgage providers at the end of your term, could give you access to&nbsp;new&nbsp;mortgage deals, eligibility requirements&nbsp;and features&nbsp;that may not have been available when you first secured your mortgage.&nbsp;It\u2019s&nbsp;a good opportunity to review what options might be most suited to your situation.&nbsp;<\/p>\n\n\n\n<h3 id=\"3-potential-savings-from-a-lower-loan-to-value-ltv\" class=\"wp-block-heading\">3. Potential savings from a lower Loan-to-Value (LTV)&nbsp;&nbsp;<\/h3>\n\n\n\n<p>If you have built up more equity in your home, you could move into a new LTV band and benefit from lower rates. Switching to a lower rate could reduce your monthly payments and help you save money over time.&nbsp;<\/p>\n\n\n\n<h3 id=\"4-better-mortgage-features-or-terms\" class=\"wp-block-heading\">4. Better mortgage features or terms&nbsp;<\/h3>\n\n\n\n<p>New deals may offer more flexibility or fewer restrictions. Newer mortgage products often come with improved features\u202flike\u202foverpayment allowances, or the ability to port your mortgage if you move house.\u202f&nbsp;<\/p>\n\n\n\n<p>Porting allows you to transfer your existing mortgage deal to a new property, which can be particularly valuable if you have a competitive rate you want to keep\u202fhold of.\u202f&nbsp;<\/p>\n\n\n\n<h3 id=\"5-withdraw-equity-from-your-property\" class=\"wp-block-heading\">5. Withdraw&nbsp;equity&nbsp;from your property&nbsp;<\/h3>\n\n\n\n<p>Some homeowners consider remortgaging with a new provider,&nbsp;in order to&nbsp;release equity.&nbsp;This could be because you might want to borrow more to pay for things like home improvements.&nbsp;<\/p>\n\n\n\n<p>If you have other expensive debts\u202fsuch as\u202fcredit cards or personal loans, releasing equity could&nbsp;help you\u202fconsolidate\u202fthese into one manageable monthly payment at a lower interest rate.&nbsp;&nbsp;That said,&nbsp;consolidating&nbsp;unsecured debt into a mortgage may increase the total amount repayable, extend the repayment&nbsp;term&nbsp;and put the home at risk.&nbsp;<\/p>\n\n\n\n<p>You can also do this with your existing lender, through a product transfer, but it might be worth shopping around.&nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/current-remortgage-rates\/\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--dark \" \n   data-module-admin-id=\"941fc7cf1a39ac8e92a7a2540d202ff7\">\n    <div class=\"c-calculator-module__media\" ><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Current remortgage rates<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See average rates for different loan-to-value ranges.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"the-cons-of-switching-deals\" class=\"wp-block-heading\">The cons of switching deals&nbsp;<\/h2>\n\n\n\n<p>Switching mortgage deals to a new lender can be beneficial, but there are also some potential drawbacks to consider.&nbsp;<\/p>\n\n\n\n<h3 id=\"1-potential-of-high-upfront-costs-and-fees\" class=\"wp-block-heading\">1. Potential of high upfront costs and fees&nbsp;<\/h3>\n\n\n\n<p>Switching to a new lender may involve:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Arrangement and product fees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal costs for conveyancing&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valuation fees for the new lender\u2019s own checks&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>These&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/how-to-get-the-best-mortgage-deal\/\" target=\"_blank\" rel=\"noreferrer noopener\">costs of a mortgage deal&nbsp;<\/a>can add up, so&nbsp;it\u2019s&nbsp;important to check that any savings outweigh the costs. Some lenders offer free or cashback incentives to offset these costs, so factor this into your comparison.&nbsp;<\/p>\n\n\n\n<h3 id=\"2-full-affordability-checks\" class=\"wp-block-heading\">2. Full affordability checks&nbsp;<\/h3>\n\n\n\n<p>Switching to a new lender would require a full&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">affordability<\/a>&nbsp;assessment. The lender will look at your income, outgoings, credit history, and employment status.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If your financial situation has changed since your original mortgage, with a lower salary or have become&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/self-employed-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">self-employed<\/a>, this can affect the deals you are offered by new lenders.&nbsp;It may be&nbsp;worth&nbsp;discussing&nbsp;your options with a regulated mortgage adviser, to assess whether staying with your existing lender could be&nbsp;more suitable.&nbsp;<\/p>\n\n\n\n<h3 id=\"3-time-and-effort-involved\" class=\"wp-block-heading\">3. Time and effort involved&nbsp;<\/h3>\n\n\n\n<p>Switching lenders can take time, including:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Completing a full application&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit checks and affordability assessments&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal and administrative work&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>The process of switching mortgages can take between four to eight weeks, so does require more advance planning.&nbsp;<\/p>\n\n\n\n<h3 id=\"4-you-may-not-save-in-the-long-run\" class=\"wp-block-heading\">4. You may not save&nbsp;in the long run&nbsp;<\/h3>\n\n\n\n<p>While switching providers can reduce monthly payments, the product, arrangement,&nbsp;valuation&nbsp;and legal fees could mean you pay more overall.&nbsp;<\/p>\n\n\n\n<p>It\u2019s&nbsp;always worth comparing the total cost before deciding and considering that in the length of mortgage term you choose next.&nbsp;<\/p>\n\n\n\n<h3 id=\"5-your-property-value-has-decreased\" class=\"wp-block-heading\">5. Your property value has decreased&nbsp;<\/h3>\n\n\n\n<p>If your property value has decreased since you last took your mortgage out and&nbsp;you\u2019re&nbsp;in negative equity,&nbsp;your&nbsp;options may be&nbsp;more&nbsp;limited. If you are in negative equity,&nbsp;consider discussing options with your&nbsp;lender or a regulated mortgage adviser.&nbsp;<\/p>\n\n\n\n<h2 id=\"preparing-to-switch-mortgage-deals-with-a-new-provider\" class=\"wp-block-heading\">Preparing to switch mortgage deals&nbsp;with a new provider<\/h2>\n\n\n\n<p>Getting ready in advance can make the process smoother.&nbsp;<\/p>\n\n\n\n<p>You might want to:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check when your current deal ends&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your current finances, including your&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit history<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review your current interest rate and payments and compare against average rates in the market<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estimate your&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/house-value.html\" target=\"_blank\" rel=\"noreferrer noopener\">property value<\/a>&nbsp;and LTV&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">remortgage calculator<\/a>&nbsp;to see&nbsp;what&#8217;s&nbsp;available&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gather key documents (income, expenses, ID)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Speak to&nbsp;a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage broker<\/a>&nbsp;if&nbsp;you\u2019d&nbsp;like support&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Taking these steps early helps you stay organised and avoid delays. If you stay with your current lender, the process is usually quicker and simpler, with fewer checks involved.&nbsp;<\/p>\n\n\n\n<h2 id=\"what-happens-once-ive-switched-deals\" class=\"wp-block-heading\">What happens once&nbsp;I\u2019ve&nbsp;switched deals?&nbsp;<\/h2>\n\n\n\n<p>Once your new mortgage is approved with your new lender:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your new lender will repay your existing mortgage to the existing lender&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your new deal starts, usually&nbsp;immediately&nbsp;after your current one ends&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your monthly payments will change based on the new rate&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You would then pay any outstanding costs occurred through the process&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 id=\"faqs-on-switching-mortgages\" class=\"wp-block-heading\">FAQs on switching mortgages&nbsp;<\/h2>\n\n\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-switch-mortgage-providers-before-my-initial-period-ends\" class=\"c-faqs__question\">Can I switch mortgage providers before my initial period ends?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW188434261 BCX0\">Yes, but you will usually pay an early repayment charge (<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">ERC<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">).\u00a0<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">Switching mortgage providers usually aims for the time between when your\u00a0<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">ERC<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">s end and when the Standard Variable Rate starts.\u00a0<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">Check your existing mortgage terms to see whether<\/span><span class=\"NormalTextRun SCXW188434261 BCX0\">\u00a0<\/span><span class=\"NormalTextRun CommentStart SCXW188434261 BCX0\">it is more cost-effective to wait until your deal ends.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"when-should-i-stick-with-the-same-mortgage-provider\" class=\"c-faqs__question\">When should I stick with the same mortgage provider? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span data-contrast=\"auto\">Staying with your current lender can make sense if:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"0\" data-aria-level=\"1\"><span data-contrast=\"auto\">Their deal is competitive<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">You want a faster, simpler process<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" data-list-defn-props=\"{&quot;335551671&quot;:0,&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Your circumstances might make it harder to switch lenders<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-you-cancel-your-switch\" class=\"c-faqs__question\">Can you cancel your switch? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span data-contrast=\"auto\">In many cases, you can cancel your switch before completion, but this depends on the lender and how far through the process you are.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Once legal work is complete and funds have been transferred,\u00a0it\u2019s\u00a0usually too late to cancel.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"does-switching-mortgage-providers-affect-my-credit-score\" class=\"c-faqs__question\">Does switching mortgage providers affect my credit score?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW179867588 BCX0\">A new lender will carry out a hard credit search, which creates a temporary mark on your credit file. Multiple applications in\u00a0<\/span><span class=\"NormalTextRun SCXW179867588 BCX0\">a short period<\/span><span class=\"NormalTextRun SCXW179867588 BCX0\">\u00a0can have a more noticeable effect, so this is worth considering when researching. Using a broker who carries out a soft search first can help you\u00a0<\/span><span class=\"NormalTextRun SCXW179867588 BCX0\">identify<\/span><span class=\"NormalTextRun SCXW179867588 BCX0\">\u00a0suitable deals without multiple hard searches.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-do-i-find-the-best-mortgage-rate-when-switching\" class=\"c-faqs__question\">How do I find the best mortgage rate when switching?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW45295311 BCX0\">You can compare mortgage deals yourself online or use a regulated mortgage broker for access to special rates and products.\u00a0<\/span><span class=\"NormalTextRun SCXW45295311 BCX0\">It\u2019s<\/span><span class=\"NormalTextRun SCXW45295311 BCX0\">\u00a0worth noting that the best headline rate is not always the cheapest deal once fees are included. Calculate the total cost (interest + fees) over the full deal period.<\/span><\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n<p>*Sources:&nbsp;<em>FCA&nbsp;data on SVRs,&nbsp;<\/em><a href=\"https:\/\/www.bankofengland.co.uk\/statistics\/visual-summaries\/effective-interest-rates\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Bank of England \u2013 Effective Interest Rates<\/em><\/a><em>&nbsp;<\/em>&nbsp;&nbsp;<\/p>\n\n\n\n<p><em>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Early Repayment Charges may apply if you leave your current mortgage during the fixed-rate period. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/em>\u202f&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Switching mortgages at the end of the&nbsp;initial&nbsp;period involves more research and admin, but&nbsp;it\u2019s&nbsp;a process many homeowners consider&nbsp;keeping&nbsp;their payments manageable and make sure their mortgage still works for them.&nbsp; In this guide,&nbsp;we\u2019ll&nbsp;walk you through you might want to switch your mortgage deal, how the process works, and what to think about before you decide.&nbsp; If&nbsp;you\u2019d&nbsp;like to [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4111,"parent":2515,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[12305,9899]},"class_list":["post-4109","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["12305","9899"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Guide to Switching Mortgage Providers - Rightmove<\/title>\n<meta name=\"description\" content=\"Thinking about switching mortgages? 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