You have your number. Here's what to do with it.
Once you know roughly what your payment could look like, the next question is timing: when to apply, whether to talk to your own lender first, and when it's worth calling a broker. This page sets out that order.
Turning your number into a next step
A number on its own does not get you a new deal. The next move is to work out which route fits your timing and your mortgage, then start the process with enough time behind you rather than against you.
If your current deal still has time to run, check whether you are looking at a remortgage, moving your mortgage to a new lender, or a product transfer, where your existing lender simply switches you to a new rate without a full new application. Which one applies depends on your lender's rules and how close you are to the end of your fixed-rate deal, so this is worth confirming directly with them rather than assuming.
Timing matters more than most people expect. Most lenders will accept an application up to six months before your current deal ends, and applying early does not commit you to anything if a better rate appears later. The six-month checklist sets out what to do at each point between now and your renewal date.
Before you apply anywhere, a lender will usually want to give you an Agreement in Principle (AIP): an initial check, based on a few basic details, of roughly how much they would lend you. It is not a guarantee, but it is normally the first concrete step once you have decided which way you are going.
You have your number. A broker can tell you what deals are actually available to you, based on your full circumstances, and handle the application itself. This calculator cannot do that part, and it is not trying to.
The mortgage lenders directory lists regulator status and product types for reference if you want to check a lender before you talk to anyone about your mortgage.
Why this page is different from a general mortgage guide
A sequenced plan, not a list of tips
This page tells you what to do this week, this month, and before your fix ends, in that order. Most mortgage guidance lists options without saying when to act on them, which leaves you to work out the timing yourself. The six-month checklist is built the other way round, starting from your own end date.
A clear line between what this site does and what a broker does
This calculator gives you a number. A broker can tell you what deals are actually available to you and handle the application, and this site does neither. That line is stated plainly here rather than blurred to make the site look more useful than it is.
Timelines tied to your own dates
Instead of telling you to act soon, this page works from the month your fixed rate ends. Most fixed-rate applications can be submitted up to six months before the deal ends, so the steps here are dated against that, not left as a vague suggestion to get moving.
No figures this site cannot stand behind
Where a figure depends on your lender, such as an early repayment charge, this page says so and points you to your mortgage offer document or your lender directly. See what your number means for what the calculator can and cannot tell you about your own situation.
You have your number. Now find out what you can actually get.
A broker can look at your full situation and tell you which deals are actually available, then handle the application for you. This calculator can only work with the numbers you have entered, so it stops short of that.