Is Your Mortgage Deal
Ending Soon?
Don’t pay more than you need to — or let simple mistakes cost you £100s.
Your FREE Mortgage Review shows you what you could save, gives you clear options,
and helps you avoid the common remortgage mistakes most homeowners
don’t realise they’re making.
Top Rated Adviser (2022-2026) | Avg client savings £250–£800/m | ⭐⭐⭐⭐⭐ Reviews
Why This Matters
When your fixed deal ends, you roll onto your lender’s SVR (much higher).
On a £200k mortgage, moving from 3% to 7% = +£450 per month. Sticking with your bank, might be an easy option but could cost £1000s over the term.
SVR Shock
Your rate could jump overnight when your deals ends
£450 Monthly increase
Examples: £200k mortgage moving from 3% to 7%
Time Matters
Remortgaging isn’t instant - leave it too late and overpay
The smart move? Start 4–6 months before your deal ends, saving you time, money and stress!
The Smarter Way to Remortgage
With a broker on your side, remortgaging becomes simple, stress-free, and based on what’s genuinely best for you.
Here’s what homeowners get when they work with identityfs:
Tailored support - Every homeowner’s situation is different. We look at your income, goals, and full financial picture to give you personalised advice that feels clear, confident, and easy to act on.
Save money - We check your existing deal against the wider market and show you exactly where you could save — whether that’s £50 or £500 a month..
Save time - No hours online, scrolling comparison sites, or sitting on hold to lenders. We use professional sourcing technology and do all the searching for you, so you get the best options without the hassle.
Less hassle - Lenders. Paperwork. Chasing updates. It’s a lot. We manage the entire process from start to finish so you can get on with your day without worrying about the admin.
More choice - Your current lender only shows you their own products. We compare 90+ lenders across the whole market to find the most suitable options based on your needs.
Total clarity - You’ll know exactly what your options are, and the steps to take next. No jargon. Just clear guidance that helps you feel confident.
The Smarter Way to Remortgage
With me on your side, remortgaging becomes simple, stress-free, and built around what’s best for you.
Tailored Support
Advice & Support tailored to your situation, giving you confidence at every step of your journey.
No Jargon
Clear, straight answers with no jargon and no confusion. Enabling you to make an informed decison.
Whole Market Access
Access to the whole mortgage market — not just one bank. Compare hundereds of deals to find your perfect match.
Your Mortgage PA
I handle the application through to offer, paperwork and the lenders — so you don’t have to.
What My Clients Say
Here’s what happens when you work with a dedicated mortgager adviser who truly cares about your outcome.
How Smart Homeowners Are Saving £450+ a Month
by Avoiding These 5 Remortgage Mistakes
Not quite ready to remortgage?
Learn the simple steps to protect your money, avoid costly mistakes, and be ready when the time comes.
A few smart moves now could save you £100s later.
Download your guide to stay ahead.
Mistake #1
Leaving it too late and landing on higher rates overnight
Mistake #2
Falling for "cheap" headline rates that cost more long term
Mistake #3
Missing the 4–6 month window and overpaying for months
Plus More
Simple steps to stay mortgage-ready and save thousands
Your Questions Answered
Q: WHY DO I NEED TO ACT 6 MONTHS IN ADVANCE?
Remortgaging isn’t instant - Between the lender’s underwriting and the solicitor’s legal work, the process could take up to 12 weeks. Acting early means you lock in your next deal before your current one ends. Savings £100s or £1000s.
Q: WHAT IS A FREE MORTGAGE REVIEW?
A 30-minute review to see if you’re overpaying or could save money — no obligation, no fee.
Q: DO I NEED TO HAVE PAPERWORK READY?
Not for the review. Basic details are enough to start — I’ll guide you step by step.
Q: CAN YOU HELP IF I'M SELF EMPLOYED?
Yes. I help all types of homeowners. But if you are self-employed, I know exactly how to present your finances to lenders.
Q:WILL IT EFFECT MY CREDIT SCORE?
No. But our system will give you a free credit report.
Q:WHAT HAPPENS IF I DON'T SWITCH?
Nothing changes — but you might stay on an expensive rate. A quick check could save you £££s.
Q:WHAT IF I'M NOT READY YET?
Download my FREE guide. It explains the common mistakes and keeps you ahead of the game. I’ll keep in touch with tips until you’re ready.
Q: DO YOU CHARGE A BROKER'S FEE?
A fee may be charged for mortgage advice, the exact amount will depend on your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage. The Mortgage Review is free as an initial 15/20min call to review your mortgage situation and requirements. Should you choose to work with identityfs, a fee may be charged for mortgage advice. The exact amount will depend on your circumstances.
IdentityFS is a trading style of Identity Financial Solutions Ltd, which is an appointed representative of The Right Mortgage Limited which is authorized and regulated by the Financial Conduct Authority. Identity Financial Solutions Limited is a company registered in England and Wales Companies house number 06341454. The registered office address is 6 George Street, Alderley Edge, Cheshire, SK9 7EJ.