Free Remortgage Calculator | Calculate Mortgage Savings - Deal Direct
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    When should you use a remortgage calculator?

    You should try a calculator if:

    • Your fixed-rate deal is ending soon
    • You’re on a Standard Variable Rate (SVR) and want to reduce costs
    • You’re considering raising funds through a remortgage
    • You want a quick idea of your potential new monthly payments

    What you’ll need to use it

    To get accurate estimates, it helps to have:

    • Your current mortgage balance
    • Your remaining term
    • Your current interest rate
    • Your property value
    • The type of new mortgage you’re considering (e.g. 2-year fixed)

    Why it’s useful – but not the whole picture

    While a remortgage calculator is a great place to start, it won’t account for:

    • Your credit profile
    • Any fees (e.g. arrangement or early repayment charges)
    • Lender-specific criteria
    • Whether a product transfer could be better than a remortgage
    • Additional borrowing or debt consolidation plans

    That’s where expert advice comes in.

    Why work with us after using the calculator?

    We go beyond the numbers. After you’ve used our remortgage calculator, we can:

    • Review your figures and goals
    • Compare the entire mortgage market
    • Advise on whether to stay with your lender or switch
    • Manage your application from start to finish

    Since 2005, we’ve helped thousands of clients remortgage with confidence. All advisers are CeMAP-qualified, FCA-authorised, and backed by 5-star reviews across Google, Trustpilot, Review Centre, and Reviews.io.

    Common questions about Remortgage Calculators

    Is it free to use?

    Yes – our remortgage calculator is completely free to use, no signup required.

    Will it affect my credit score?

    No – using a calculator is a soft check with no impact.

    Can I include extra borrowing?

    Yes – just enter the amount you want to borrow alongside your current mortgage balance.

    What if I have bad credit?

    You may still be eligible. The calculator gives an estimate, and we can help you explore real options.

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    Written by

    Hayley Rye | Mortgage Advisor

    About the Author: Hayley has worked in the mortgage industry since 2000, starting out as a mortgage processor before qualifying as a CeMAP-certified adviser in 2017. She has been part of the DDFS team since 2013 and specialises in remortgages, secured loans, and complex cases. With over two decades of experience, Hayley offers practical, knowledgeable support tailored to each client’s needs.

    experience a 5 star customer service