Stay with your lender
Review the product-transfer options available from your existing lender and whether changing the balance or term affects the assessment.
MOVA / Remortgaging Advice
Remortgaging: explore your next deal
Current deal ending? Compare staying with your lender and moving to a new one, with the costs and timing explained.
30-minute initial phone call · No cost · No pressure to proceed
Steven Cooper
Founder · MOVA Mortgages
- Check your deal end date
- Compare lender options and fees
- Agree a practical timetable
The MOVA panel
Mortgage lenders on our panel
- Halifax Intermediaries
- Nationwide for Intermediaries
- NatWest
- Barclays
- Santander
- HSBC
- Coventry
- Leeds Building Society
- Virgin Money
- Accord Mortgages
- Skipton Intermediaries
- TSB
- Bank of Ireland
- Aldermore Mortgages
- Kensington
- Pepper Money
- Bluestone Mortgages
- Foundation Homeloans
- The Mortgage Lender
- Vida Home Loans
- United Trust Bank
- West One
- Together
- Metro Bank
- MPowered Mortgages
- Gen H
- April Mortgages
- Afin Bank
- Bath Building Society
- Beverley Building Society
- Buckinghamshire Building Society
- Cambridge Building Society
- Chorley Building Society
- Clydesdale Bank
- Coutts
- Darlington Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Ecology Building Society
- Family Building Society
- Furness Building Society
- Hanley Building Society
- Harpenden Building Society
- Hinckley & Rugby Building Society
- Hodge
- Leek Building Society
- Loughborough Building Society
- Mansfield Building Society
- Market Harborough
- Marsden Building Society
- Melton Building Society
- Newbury Building Society
- Newcastle Building Society
- Nottingham for Intermediaries
- Penrith Building Society
- Perenna Bank
- Post Office
- Principality Building Society
- Progressive Building Society
- Saffron for Intermediaries
- Scottish Building Society
- Scottish Widows Bank
- Stafford Building Society
- Suffolk Building Society
- Swansea Building Society
- Tandem Bank
- Teachers for Intermediaries
- The Co-Operative Bank for Intermediaries
- Tipton & Coseley Building Society
- Vernon Building Society
- West Brom Building Society
Your mortgage review
Start with the date your current deal ends.
Bring your lender, balance, current payment and deal end date. We will explain the timing and compare the practical options.
Move to another lender
Compare the new payment and overall cost, including fees, legal work, valuation and any early repayment charge.
Review what has changed
Consider your income, commitments, property value and future plans before changing your term or borrowing more.
Tell Steven your deal end date when you enquire. If you are unsure, your latest mortgage statement is a useful starting point.
Start my mortgage review →Staying and switching are different routes.
A product transfer means choosing another deal with your existing lender. A remortgage usually means moving to another lender and going through its application process. Steven can help you understand the available routes and the work, costs and conditions involved.
A smaller monthly payment can have a trade-off.
Extending the mortgage term can reduce the payment while increasing the total interest paid. Adding fees to the loan can also increase the cost over time. A useful comparison looks at your immediate budget and the longer-term effect.
- Review the remaining term as well as the new rate.
- Ask about overpayment rules and charges if your plans change.
Borrowing more needs its own assessment.
Tell Steven what any additional money is for. Securing previously unsecured debts against your home can put the property at risk, and spreading repayments over a longer term can increase the total cost. Debt consolidation should not be treated as a routine way to make monthly spending look lower.
Your questions, answered
Your questions, answered
Have a question that is specific to you?
When should I start the conversation?
Get in touch before your current deal ends so there is time to explore the options. The right timing depends on the deal, lender and your plans.
Do I have to change lender?
No. Keeping your existing lender may be an option. The decision should reflect the overall cost, suitability and process involved.
Will remortgaging definitely save money?
No. Rates, fees, the remaining term and your circumstances all affect the result. MOVA does not promise a saving.
A practical next step
Review your mortgage before your deal ends.
Start with your deal end date, mortgage balance and what you want to change. Steven can help you compare the overall costs before you decide.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.
