ASK ALANMORTGAGESRather talk? 07834 241 522

Remortgage guide · 2026 edition

Don't drift onto the SVR.

When your fixed rate ends, your mortgage doesn't pause politely and wait for you. It rolls onto your lender's Standard Variable Rate. This guide shows you how to get ahead of it.

  • When to start looking (spoiler: earlier than you think)
  • Your three options, in plain English
  • The six-step roadmap, start to finish
  • The traps that catch remortgagers out

14 pages · PDF · roughly one cup of tea

Your home may be repossessed if you do not keep up repayments on your mortgage.

Get the guide.

Tell me where to send it and it'll be with you in a minute.

One email with the guide in it. Nothing else unless you tick the box.

Ask Alan Mortgages uses your details to send you the guide and, only if you tick the box, to contact you about your remortgage. They pass through our website providers, Cloudflare and Resend, and Cloudflare Turnstile checks the form isn't being used by bots. See our privacy notice.

4–6Months before your deal ends: when to start looking
3Options: stay put, shop around, or borrow extra
6Steps from credit check to completion

What's inside

Eight chapters. Zero jargon.

Everything you need to make a calm decision instead of a rushed one. Written the way I'd explain it to a mate over a brew.

  1. 01

    Why remortgage?

    The SVR trap, and the three good reasons to move

  2. 02

    When to act

    The 4 to 6 month rule. Early shopping beats panic shopping

  3. 03

    Your three options

    Stay put, shop around, or borrow a little extra

  4. 04

    The remortgage roadmap

    Six steps, from credit check to completion

  5. 05

    Tips and clever hacks

    The little things that move the needle

  6. 06

    Common pitfalls

    Four mistakes that catch people out, and the fix for each

  7. 07

    Mortgage-speak, translated

    SVR, AIP, LTV and ERC in one plain sentence each

  8. 08

    What's next

    How to make your move before the deal runs out

Ask Alan tip · from chapter 02

Think of remortgaging like booking a flight. Leave it to the last week and you'll pay through the nose. Start early and the same journey costs a fraction.
Alan Greenin

Who's writing this

Hey, I'm Alan.

The Alan in Ask Alan Mortgages. I help people across the UK buy, remortgage and protect their homes, from first-time buyers to self-employed business owners to people who thought “remortgage” was something only really organised people did three years in advance.

My job is to make the complex simple and the stressful manageable. This guide is that job, in 14 pages.

“Plain English, no jargon, and the same advice I'd give a friend. That's the whole job.”

Get ahead of your deal ending.

Ten minutes with the guide now beats a month on the SVR later.

Get the guide →Or book a 20-minute call

Initial consultations are completely free of charge. There's no obligation to proceed and our broker fee of £495 will only become payable if we proceed to a full application.