See what a better deal could save you.

The calculator uses live rates from real lenders, so the figures are a strong indication of what's available. Your actual rate will depend on your individual circumstances, including your credit history, income, and the loan-to-value ratio of your property. For an exact quote tailored to your situation, use our free quote tool.

Yes. The rates shown in the calculator are sourced from real lender products and updated regularly. They reflect what's currently available in the market. Your personal rate may differ based on your circumstances, but the calculator gives you a realistic starting point.

No. The calculator is completely free and carries no obligation. You can use it as many times as you like to explore different scenarios. If you decide to take the next step, you can get a free personalised quote, but there is no pressure to do so.

No. The calculator does not run any credit checks. It uses the information you enter to estimate payments based on current market rates. Even when you move to the personalised quote stage, Albot uses a soft search that does not appear on your credit file.

The most common time is when your fixed or tracker deal is ending. Typically 2-3 months before your rate expires is ideal. You can also remortgage mid-deal, though you may face early repayment charges from your current lender. Your adviser will check whether switching still makes financial sense after any exit fees.

Costs can include a product fee from the new lender (which can often be added to the loan), a valuation fee, and legal fees for the conveyancing work. Some lenders offer free legal work and free valuations as part of their deal. Your adviser will show you the total cost of switching, including all fees, so you can compare like for like.

It depends on the type and severity of the credit issue. Minor blips, such as a late payment, are often accepted by mainstream lenders, especially if they're not recent. More significant issues may require a specialist lender, where rates will typically be higher, but options often exist. Your adviser will search across specialist as well as mainstream lenders to find the best match.

It is a guide based on your income and outgoings, capped at 95% of your property's value. Lenders each make their own detailed affordability and credit checks, so the amount you are offered can differ. Treat it as a starting point rather than an offer.

Yes. The Live Rates view shows remortgage plans from our lender panel's live feed, the same data our advisers work from, sorted with the lowest rate first. Rates change regularly, and the deal you qualify for depends on your circumstances.

If you leave your current deal before its tie-in period ends, your existing lender may charge an early repayment fee. An adviser will weigh any charge against the saving from switching, so you only move when it genuinely works in your favour.