Best Remortgaging accounts for 2026
7 UK providers compared side by side — with a live cost calculator, independent scores, pros and cons, and a quick match finder.
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Business banking, compared
7 US providers · ranked live by real data · hands-on reviews
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Foreign spend / mo$500
ATM withdrawals / mo4
7 providers
L&C (London & Country) Mortgages VerifiedEditor's pick
The UK's largest fee-free broker
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on provider site
£33M+ saved for customers in 202565,000+ completions in 2025B Corp certified
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
The UK's largest fee-free mortgage broker, with a transparent "how we're paid" disclosure
Saved customers £33m+ in 2025 across 65,000+ completions
British Bank Awards 2026 — Customer Service Champion + Best Broker (highly commended)
Recurring complaint theme is slow or unclear communication, per Trustpilot review analysis
Not owned by a bank — majority-owned by its founder since 2000, with Experian holding a minority stake since 2017 (a real but not concerning ownership structure)
4.6
MoneySuperMarket Mortgages Verified
A comparison tool, not a broker — hands off to L&C
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on provider site
Pure comparison tool, not a brokerHands off to L&C for advice90+ lenders covered
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
A large, well-known comparison hub (site-wide Trustpilot ~5-star, 52,000-56,500+ reviews) covering 90+ lenders
Hands off to L&C (a genuinely strong, independent broker) for actual advice and completion
Not itself a broker — gives no advice directly, so the "MoneySuperMarket" experience is really just the L&C experience downstream
L&C's own fee applies downstream if you're switching lender (free if staying with your current lender, £195 if switching, payable on completion only)
4.9
Uswitch Mortgages Verified
A comparison tool that hands off to its own sister company
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on provider site
Pure comparison tool, not a brokerHands off to Mojo — same RVU parent60+ lenders covered
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
A well-known comparison brand (site-wide Trustpilot ~4/5, 39,000+ reviews)
Free to use
Not itself a broker — hands consumers off to Mojo Mortgages, a corporate sister company under the same RVU/Zoopla/Silver Lake Partners ownership structure, materially limiting how independent the recommendation really is
The narrowest confirmed lender panel of the 7 (60+, via Mojo)
4.0
Habito VerifiedBest digital, whole-of-market broker
A fully digital, whole-of-market broker — now backed by Monzo
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on provider site
95+ lendersAcquired by Monzo (completed 30 Apr 2026)Still operates under its own brand
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
A whole-of-market digital broker with a 95+ lender panel
Strong Trustpilot rating (~4.9/5)
Now backed by Monzo's resources following an April 2026 acquisition, while continuing to operate under its own brand and FCA authorisation
You do not need a Monzo account to use Habito, but the acquisition is a genuine, recent ownership change worth knowing about
4.9
Better.co.uk Verified
Digital broker, now under new UK ownership (OneDome)
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on provider site
90-100+ lenders (RateWatch monitoring)Sold to UK proptech OneDome (2025)Free for most customers
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
A digital broker with a "RateWatch" rate-monitoring tool and a 90-100+ lender panel
Strong Trustpilot rating ("Excellent", 4.8-4.9/5)
Sold in mid-2025 by its struggling US parent to UK proptech firm OneDome — now genuinely decoupled from that parent's financial turmoil
Free "for most customers," but the site notes fees can apply depending on individual circumstances
Excludes some direct-only lenders (e.g. Lloyds, First Direct) from its panel
4.9
Mojo Mortgages Verified
A whole-of-market fintech broker, part of the RVU group
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on provider site
60+ lenders (per Mojo's own site)Trustpilot 4.8/5 (9,945 reviews)Owned by RVU (with Uswitch)
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Strong Trustpilot rating (4.8/5, 9,945 reviews)
Free advice, paid via lender commission
Mojo's own site states 60+ lenders — a narrower confirmed panel than L&C, Habito, Better.co.uk or Tembo (though some third-party sites cite higher, unverified figures)
Owned by RVU (part of Zoopla Property Group, majority-owned by Silver Lake Partners) — the same parent that owns Uswitch, which feeds referrals directly to Mojo
4.8
Tembo Money VerifiedBest for complex/specialist cases
The best specialist choice for complex remortgage cases
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on provider site
British Bank Awards winner, 5 years running100+ lendersFree remortgage service
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Best Mortgage Broker at the British Bank Awards for 5 consecutive years (2026), beating L&C, Habito and Mojo per Tembo's own announcement
Human advisers specializing in affordability-boosting products (guarantor mortgages, shared ownership, income-boosting schemes) that generalist brokers often can't place
Remortgage service is free, like the other whole-of-market brokers on this page
Its standard (new-purchase) mortgage service charges a £499 fee, rising to £749 for complex cases — a genuine exception versus the fully fee-free brokers, though not applicable to remortgaging specifically
Smaller review base than the largest brokers on this page (~6,000+ reviews)
4.7