Remortgage calculator

How much could
you save?

Compare your current mortgage against a new rate. See your monthly saving, annual saving, and total saving over the fixed period — including the impact of any fees or early repayment charges.

Current vs new rate Monthly & annual saving Fee payback period Total term saving
Side-by-side comparison

Your current deal
versus the new one

Enter your current mortgage details on the left and the new rate you're considering on the right. Results update instantly as you adjust the figures.

Current mortgage
Current monthly payment
£1,265
Outstanding balance
£
£25k£1.5m
Current interest rate
%
1%12%
Remaining term
years
1 yr40 yrs
New mortgage
New monthly payment
£1,082
New interest rate
%
1%12%
New term (leave same or adjust)
years
1 yr40 yrs
Fixed period (for savings projection)
years
2 yrs10 yrs
Optional — fees & charges
Arrangement fee (new mortgage)
£
Early repayment charge (current deal)
£
Your savings summary
Monthly saving
£183
Annual saving
£2,196
Saving over fix period
£10,980
Total interest saving
£28,450
Based on a repayment mortgage. Figures are illustrative — your actual saving will depend on the rate and product you qualify for. Speak with Nathan for a whole-of-market search.
Timing matters

When to remortgage

01
6 months before your fix ends
Most lenders allow you to lock in a new rate up to 6 months in advance. Starting the process early means you're protected against rate rises and have time to find the best deal.
02
When rates drop significantly
If rates have fallen materially since you fixed, it may be worth paying an early repayment charge to switch now. The calculator above helps you model whether the saving outweighs the cost.
03
When your LTV improves
As your property value rises or your balance falls, you move into better LTV bands — often unlocking significantly lower rates. A remortgage at the right time can capture this automatically.

See what rate
you could actually get

A calculator shows the potential. Nathan searches 40+ lenders to find the rate you actually qualify for — and handles everything from application to offer.

Speak with Nathan Residential mortgages

FCA regulated · Whole-of-market · Independent advice