Remortgage Potential Calculator

Calculate your equity, unlockable borrowing, and rate improvement savings. See whether remortgaging makes financial sense.

Equity Position

Property value: £450,000
Outstanding mortgage: £350,000
Equity built: £100,000
Equity % of property: 22.2%

Additional Borrowing Available

Max borrowing (day rate): £557,500
Current mortgage: £350,000
Could borrow additional: £207,500

Rate Improvement Savings

Current rate: 5.5%
New rate: 4.2%
Rate reduction: 1.3%
Current payment (£350k, 20yr): £2,106
New payment (£350k, 20yr): £1,896
Monthly saving: £210
Annual saving: £2,520

Remortgage cost estimate: £1,500–£3,000 (valuation + legal + broker fees). Your rate savings break even in 7–14 months.

How this calculator works

We estimate additional borrowing based on your current day rate and standard lending multiples (4.5×). Monthly savings are calculated on a 20-year term at the rates you enter.

Get precise figures: Contact us for a formal remortgage assessment with specific lender rates.

Ready to remortgage?

Let's find you the best remortgage rates and unlock your equity potential.

Book your remortgage call →