Remortgaging can be complex because there’s often more to consider the next time around. Your situation might have changed since you took out the previous mortgage, and the fact that you’ve been accepted before doesn’t guarantee you’ll be accepted again.

Our platform uses a clever algorithm to match you to the perfect remortgage broker for your unique situation. Someone who’s up to the challenge, and has a proven track record of making remortgaging possible for people like you.

What is remortgaging?

Remortgaging is where you replace your existing mortgage with a new one. If you currently have a mortgage, or own your property outright, you can remortgage your home either with your existing lender or a new one. Even if your current mortgage has a duration of 30 years or more, you don’t have to stay tied to the same one for that length of time.

Remortgaging is really common and can be a great way to get a better deal and take advantage of good interest rates. Think of it like reevaluating your finances and finding the best mortgage deal to ensure you’re not paying more than you need to. Just like you might do with your utility bills or mobile phone contract!

Your new mortgage will depend on a number of things, including how much equity is in your property, its current value, and what kind of loan-to-value (LTV) percentage you want. Remortgaging can be confusing, so working with an experienced, specialist remortgage broker is the best way to take the stress out of the process while getting the best mortgage for your needs. Make an enquiry to get matched to a remortgage broker.


Here’s a few frequently asked questions about remortgaging.

Why remortgage your home?

Is remortgaging a good way to get rid of debts?

How much does it cost to remortgage?

How long does it take to remortgage?

Do I need a deposit for a remortgage?

Can I remortgage with the same lender?

Can I remortgage with bad credit?

Can I remortgage on a fixed-rate mortgage?

Do I need a solicitor to remortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.
Our calculators

Remortgage Calculator

See how much money you might be able to save each month if you move to a new mortgage deal.

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Get connected to a specialist remortgage broker who can make a mortgage possible for you.

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