The free online mortgage adviser built around you

We see remortgaging as an opportunity. Not a burden.

So we’ve created a new way to do it online – that puts all the power in your hands.

Planning a loft conversion? Want to get mortgage-free quicker? Just want to make sure you're not paying too much? Whatever you want to get from your mortgage, let's make it happen.

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Arriving early 2018

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Build your
own mortgage profile

Your ambitions. Your lifestyle. Your priorities.

We ask about the things that matter most. Not just your finances. So you get a remortgage that really works for you.

Tools to take control

Get the picture the advisers see with your own digital dashboard. Handy charts, simple tools.

Toggle your preferences to see how it changes your remortgage options.

A common sense process

You’ll answer fewer questions, and they’ll be more relevant to you.

Get started online, and when you want to move forward, we're here to help.

Make your choice with confidence

Our recommendation engine is built in collaboration with Countrywide.

With access to the rates of the UK's largest mortgage broker, you’ll be confident you're getting the right deal.

1 - 3 min
Mortgage Personality Tool / Calculator
1 - 3 min

Get your own Mortgage Personality

What type of remortgager are you? We’ll help you find out. We turn your day-to-day priorities into a remortgage plan of action – what to look for, and why it matters.

It’s 10 simple questions and only takes a couple of minutes. No sign-up, no commitments, no costs.

Your Mindset

Your Home

Your Job

Your Lifestyle

Your Finances

See Results

Your Mindset

1. How are you feeling about remortgaging?

Your Home

2. How long do you plan to stay in your current home?

Your Home

3. Do you have any big plans for your home over the next two years?

Your Job

4. Are you expecting any big changes in household income over the next two years?

Your Job

5. Do you have any exciting career changes planned?

Your Lifestyle

6. How comfortable are you with your monthly repayments?

Your Lifestyle

7. Do you have anything big coming up that you might need to budget for?

Your Finances

8. Do you have any debt at the minute?

Your Finances

9. Do you have any savings you could put towards your mortgage?

Your Finances

10. When it comes to interest rates, what's your attitude to fluctuations?

Monthly Saver
You’re a

Monthly Saver

What’s most important to you right now is keeping your monthly repayments down.

Mortgage Freer
You’re an

Early Repayer

Your main priority is paying off your mortgage sooner – and potentially paying less interest overall.

Big Planner
You’re a

Big Planner

What’s most important to you right now is freeing up some capital to fund your big plans.

Debt Easer
You’re a

Debt Easer

You may have some debt right now – but you could make some adjustments to your mortgage to help manage it.

Flexible Changer
You’re a

Flexible Changer

There are big changes coming your way in the next few years, and you really need some flexibility from your mortgage to manage that.

Stable Fixer
You’re a

Stable Fixer

Maybe you’re comfortable with how things are, or there are some big changes ahead – you need your mortgage to guarantee a period of stability.

Monthly Saver
You’re a

Monthly Saver

You’ve told us that…

Want to lower your monthly repayments?

Here are some ideas to get you started

A mortgage with a short introductory period (say two years) might offer the lowest rate. But when this period ends, and you switch to the lender’s Standard Variable rate, the rate you pay could go up quite significantly – mortgage brokers like to refer to this as ‘payment shock’. One way to avoid this is by arranging your remortgage before your introductory period ends. Of course, you should only look to switch your mortgage product if you can afford to maintain your financial commitments.

You could also consider going for a longer introductory period (say five years) instead, while the rates are still low. This may save you more money overall if interest rates go up. However, it may be a more expensive rate, because you’re paying for the security of having a particular product for longer.

Increasing your mortgage term may lower your monthly repayments. It can be a useful way to save money every month. However, this will mean that over the whole term of your mortgage, your interest costs will rise – and it’ll take longer to repay your mortgage.

You might want to consider a fixed-rate mortgage. It offers the most stable rate: you’ll pay the same amount every month, so it’s easier to budget and save – and you can choose to fix your rate for 2, 3 or even 5+ years. If you’re looking to reliably save money on your mortgage every month, a fixed mortgage might be a good match.

With a variable rate mortgage , your interest rate could go up and down. It might offer the cheapest rate right now – but it’s not as stable as a fixed rate, and your monthly repayments could increase with interest fluctuations. If you don’t have a lot of flexibility in your budget, this may not be the right option for you.

Mortgage Freer
You’re an

Early Repayer

You’ve told us that…

Want to pay off your mortgage quicker?

Here are some ideas to get you started

Reducing your mortgage term may get you mortgage-free quicker. Your monthly payments will go up, but the total amount you’ll pay back over your mortgage term will decrease.

By paying back a lump sum (or overpaying), you could get mortgage-free quicker, and pay less overall. Overpaying has the advantage that you can stop it whenever you want to. Consider looking for a mortgage with flexible features, to avoid paying any overpayment penalty fees.

With a variable rate mortgage, your interest rate will be driven by the economy and the market, and it will go up and down. If you're financially prepared for a little risk, this option could give you the flexibility to clear your mortgage quickly. For example, you’re more likely to find a variable rate mortgage with no Early Repayment Charges (ERCs) or penalty fees on overpaying.

On the other hand, you might be able to save a bit of money long-term if you fix your mortgage before interest rates start rising. You’ll pay the same amount every month, and you can fix it for as long as you like. If you do end up looking for a fixed-rate mortgage, you can opt for one with flexible features so that you can overpay.

Big Planner
You’re a

Big Planner

You’ve told us that…

Want to make your big plans possible?

Here are some ideas to get you started

To help you make your plans become reality, you could potentially borrow more money on your remortgage. This is often called ‘raising capital’, and it may be an option to consider if you’re planning on reinvesting the money back into your property. Often the interest rate on your mortgage is less than, for example, a home loan from a bank – but when you borrow more on your mortgage, it could cost you more in interest, because you'll be paying it back over a longer term.

Of course, you should only look to switch your mortgage product if you can afford to maintain your financial commitments. The main thing to remember is that your mortgage is a secured loan: you’re borrowing against your property. If you get into payment difficulties, you may lose your home.

With a fixed-rate mortgage , you’ll pay the same amount every month – and you can choose to fix your rate for 2, 3 or even 5+ years. If you’re staying in your house for a while, a fixed rate could give you some stability – which may be helpful if you’re thinking of borrowing more.

With a variable rate mortgage , your interest rate could go up and down. The rate you pay might be lower than a fixed rate initially – however, it’s not as stable as a fixed-rate mortgage, and your rate could increase over time. If you’re looking to sell your house soon, you might not want to enter into a fixed deal for long – a variable rate may more flexibility, such as no Early Repayment Charge.

Debt Easer
You’re a

Debt Easer

You’ve told us that…

Want to make your debt more manageable?

Here are some ideas to get you started

If you’re struggling with debt, your first step should always be trying to reduce your monthly outgoings. Your mortgage could help you do that. For example, you could consider extending your mortgage term - this may lower your monthly repayments. However, this will mean that over the whole term of your mortgage, your interest costs will rise – and it’ll take longer to repay your mortgage.

If you need access to funds to help manage your debt, it might be possible to borrow more money when you remortgage. For example, you can pay off your credit card debt (which normally has a much higher interest rate) with your mortgage (which has a lower interest rate) – this option is called 'debt consolidation' By doing this, you can reduce your monthly outgoings, but you may pay more interest over the full mortgage term.

Of course, you should only look to switch your mortgage product if you can afford to maintain your financial commitments. The main thing to remember is that you’ll be converting your debt from an unsecured loan to a secured loan. If you get into payment difficulties, you may lose your home.

If you're looking to lower your monthly outgoings, a fixed mortgage might be a good match for you. You’ll pay the same amount every month, which makes it easier to budget and save. It may be helpful to get some stability if you’re thinking of borrowing more. And sometimes, short-term fixed mortgages are cheaper, so you may even be able to lower your monthly outgoings.

If you’re looking for the cheapest rate right now, you may be tempted by a variable mortgage But even though variable rates are sometimes lower than fixed ones, they’re not as stable. Your monthly repayments could increase over time, and if you don’t have a lot of flexibility in your budget, this may not be the right option for you.

Flexible Changer
You’re a

Flexible Changer

You’ve told us that…

Want to get more flexibility?

Here are some ideas to get you started

If you want to move in a couple years, or you need to pay off your mortgage quickly, but you still want the security of fixed payments, you may way want to consider a mortgage with a 2 year introductory period. You won’t be tied in for very long, and if things change when you reach the end of your introductory period, you can switch to a better deal.

You could also look for a variable mortgage – they’re a bit more flexible. Your interest rate will be driven by the economy and the market, and it will go up and down. If you're financially prepared for a little risk, this option could give you short-term flexibility and allow you to remortgage quickly. As a bonus, you may be able to avoid penalty fees on leaving your deal early.

You might be able to save a bit of money long-term with a fixed mortgage. However, they don’t normally offer as much flexibility – so this may not be suitable if you need flexibility in your remortgage.

Stable Fixer
You’re a

Stable Fixer

You’ve told us that…

Want to get more stability?

Here are some ideas to get you started

If your goal is stability, you may want to consider a fixed-rate mortgage. You’ll pay the same amount every month – and you can choose to fix your rate for 2, 3 or even 5+ years. If you’re planning on staying in your property for a long time, you may be able to save money long-term by fixing for longer.

With a variable rate mortgage , your rate might be lower than a fixed rate – however, your rate will fluctuate, and it could increase over time. If you’re not comfortable with risk, and what’s most important to you is gaining stability, it may be more suitable for you to choose a fixed-rate mortgage.

A long introductory period guarantees you a fixed interest rate for 5 years, or even 10 – the longer you fix it for, the longer your rate remains stable. Often, these rates are more expensive than those attached to other shorter fixed rate periods – however, this option guarantees stability for a longer period. And if interest rates are low, you may be able to save money long-term.

Want to know more? Enter your email to receive your detailed Mortgage Personality, and compare your results with other profiles

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A Better Way to Remortgage

Remortgage Online

Your journey

Start your remortgage journey online, have a quick chat to one of our advisers, and find an offer that works for you.

Go through the whole process – from signing up to signing contracts – in your own time, on your own terms.

Apply for Mortgage Online
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Your profile

It’s not about what mortgage you can get – it’s about what your mortgage can get you. Want to be mortgage-free faster? Want to free up some cash?

We go beyond eligibility questions to create a unique profile for you. So you can make your mortgage count.

Mortgage Profile Tool
Remortgage Calculators & Tools

Your tools

How would your options change if you paid off more each month? Or went for something longer term? We show you.

Just give us your details and toggle the different options to see how this could change your remortgage.

Online Mortgage Tools
Your Mortgage

Your mortgage

Our recommendation engine is built in collaboration with Countrywide – the UK’s largest mortgage broker.

So you can click ‘apply’ knowing that your personal preferences have been checked against our extensive database to find the best deal for you.

Once your application’s in, we’ll keep you up-to-date every step of the way.

Mortgage & Remortgage Lenders

Can’t wait?

Countrywide can help

Dynamo will be up and running from early 2018. Is your mortgage deal ending before that? Are you a first-time buyer or moving home? You don't have to wait. Get in touch with a Countrywide Mortgage Line adviser directly:

Your home may be repossessed if you fail to keep up repayments on your mortgage.

A fee will be payable for arranging your mortgage. Your adviser will confirm the amount before you choose to proceed.

Countrywide Mortgage Line, Building Eight, Watchmoor Park, Camberley, Surrey, GU15 3YL, UK. Countrywide Mortgage Line is a trading name of The Buy to Let Business Limited, which is authorised and regulated by the Financial Conduct Authority FCA Register Number: 472199.