Should I Remortgage in 2025? Here’s What to Consider

1. Rates are changing

Interest rates have fluctuated in recent months. If you’re on your lender’s Standard Variable Rate (SVR), there’s a good chance you’re paying more than you need to.

2. You could save money

Even a 1% drop in your mortgage rate could save you hundreds per month — or thousands over the life of your mortgage.

3. It’s not just about rate

Remortgaging can also help with:

• Consolidating debts

• Borrowing more for home improvements

• Switching from interest-only to repayment

4. Timing is key

Don’t wait until your fixed term ends — we recommend speaking to a broker 3–6 months before your current deal expires to lock in the best rates.

Let’s review your optionsAt Af & Associates, we’ll handle the legwork — you just tell us what you need. Whether you’re remortgaging to save, borrow more, or find a better fit, we’re here to help.

📞 Book a free remortgage review today.