Don't miss your ideal remortgage deal

We monitor rates for six months before your deal ends and switch you to better deals as they appear, so you get the best rate at completion while you get on with your life

  • No timing guesswork – Lock in your rate up to 6 months early while we track the market daily
  • Always the lowest available rate – If better deals appear before completion, we move you to them
  • Typical savings of £1,000+ – Customers typically save at least £1,000 during their fixed period, many save over £5,000

Book your free remortgage consultation

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SME Finance Awards Best Ethical Mortgage Broker 2025

Mortgage advice designed to save you money

Your fixed rate is ending soon. Do nothing and you’ll move onto an expensive Standard Variable Rate. Or your lender will push their headline rate without understanding if the term actually fits your plans.

Picking the wrong term costs more than the rate itself – early redemption charges could reach £10,000+ if you need to move before your fixed period ends.

We match your mortgage term to your life, then monitor the market daily and switch you to better deals before completion. You get the lowest available rate at completion, not just the best rate on the day you applied.

Whether switching lenders or staying put, we compare everything and tell you which delivers best value for now and what’s next.

Remember, your home may be repossessed if you do not keep up repayments on your mortgage

Here's exactly what you get when remortgaging with WR Ethical

Rate switch and remortgage comparison

We check both options and recommend whichever suits your needs and saves you the most money

Continuous market monitoring for your lowest rate

We track the market and switch you to better deals before completion

Free remortgages for new and existing customers

Like-for-like switches cost you nothing, not even an admin fee

Your dedicated adviser from day one

The same expert who knows your situation guides you through every step

Whole market search across all lenders

We hunt down the best rates from thousands of products

Making a difference with every mortgage

We are set up to do good. We donate £60 to charity with each application fee received, advise on the ethics of different lenders, and run ourselves the ‘right’ way

How our rate monitoring works

Most mortgage offers last six months. During this time, if a better rate becomes available with your chosen lender, we can switch you to it without penalty.

This removes the guesswork from timing your remortgage. Instead of gambling on when to apply, we secure a good rate early and then improve it if the market drops.

Even a 0.3% saving works out as £2,000 over a five-year fixed rate on a £200,000 mortgage.

  1. We typically start six months before your current deal ends

  2. We book you a competitive rate straight away for peace of mind

  3. We monitor the market continually and proactively for better deals

  4. If a better rate appears, we alert you and switch you to it

  5. You get the lowest available rate at completion

Take Your Next Step

Book your free consultation now. Choose a time that works for you, and we’ll call you for a relaxed, no-pressure chat about your remortgage options.

Get expert advice

Rate switch or remortgage: which is right for you?

Rate switch means staying with your current mortgage lender on a new deal. It’s simple, quick, and often makes sense when your lender offers competitive rates. This can typically be done 3 or 4 months before your current deal ends, and if rates are dropping, some lenders allow you to start early.

Remortgaging means moving to a different lender. It takes longer but might save you more money or give you better terms. This can typically be done 6 months before your current deal ends, so will usually be the cheapest option if rates are rising, whoever your current deal is with.

We check both options for you and recommend whichever benefits you most. Sometimes your current lender offers the best deal. Sometimes switching lenders saves you thousands. We’ll tell you which.

Whether you are a new or existing customer, if you are doing a like-for-like switch, we charge nothing at all.

What customers say about us

We invite feedback from everyone we advise, so you can read genuine, unfiltered reviews

Get more than just a mortgage

We transform the remortgage process from a stressful deadline into a strategic opportunity to save money.

Unbiased advice that puts your interests first

We'll tell you if staying with your lender saves you more than switching

Complex situations handled without premium fees

Self-employment, adverse credit, and life changes managed expertly at standard rates

Ethical alignment throughout your mortgage

Choose lenders that match your values without compromising on competitive rates

Long-term partnership beyond this remortgage

We stay in touch and help you save money every time your deal ends

Start now for the best deals

We believe in transparent, upfront pricing that empowers your remortgage decisions. Our commitment is to provide clear, honest financial guidance without hidden costs.

And if we can’t find you a better deal than your current lender’s direct offer, we’ll tell you.

Free initial consultation

Explore your options with no obligation. Get genuine advice about rate switches, remortgaging, and timing.

If you are making significant changes to your mortgage

Standard Application: £295 – applies to most cases (over 80%) unless told otherwise

Specialist Application: £495 – for more complex cases and we’ll advise if this applies to you

Insurance: No fee for any insurance or protection we arrange for you

If you need to change your application after submission, your first change is free and subsequent changes cost £45.

Free like-for-like remortgages and rate switches

If you’re switching to a similar deal (same amount, same term), we charge nothing. The commission we are paid by your lender covers our costs for simple cases.

Free rate monitoring and switching for rate changes. For remortgages, your first change is free and subsequent changes cost £45.

Discounts for existing customers. If you are borrowing more, want to change your term, or switch between repayment and interest only, we do charge a fee – but we discount this by £50 for existing customers. Our thank you for your loyalty.

Meet your team

The team dedicated to your mortgage journey

Paul

Paul

Paul founded WR Ethical in 2020 to help people simplify the process of buying a home, and help people do good with their money. To him, doing this feels like a vocation, not a business.

His interest in property began in 2005 when he bought a home in Bristol that needed quite a bit of refurbishment. Around the same time, he joined a church focused on helping the local community (with lots of spare rooms to fill). A wide variety of roles and life experiences since then led him to start WR Ethical, combining his passion for property with a commitment to doing things differently.

When not thinking about helping others to buy a home, you can find Paul spending time with his family, running, cycling, walking the dog and baking.

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Jess

Jess

Jess has been helping people find a home since 2014. She’s the most organised member of the team and is brilliant at working through lots of detail to make sure your mortgage application goes as smoothly as possible, keeping track of an extraordinary number of different things at the same time.

Before pursuing her interest in mortgages and joining WR Ethical in 2022, Jess worked in a lettings agency, supporting mostly students and landlords. That experience gave her a solid understanding of the property world from multiple angles.

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Ashley

Ashley

Ashley helps people get their own home, whatever their situation. His knowledge of different lenders’ criteria and processes is exceptional, so he can take even complex circumstances in his stride.

A Bristol local who cares deeply about the community, Ashley joined WR Ethical in 2022 after previous roles as a carer for young people, health coach and gym manager. Through all of these, his love of helping others shines through. He’d always been interested in mortgages, and since leaving school had in mind that this is where he’d end up.

Outside of work, Ashley enjoys staying active and spending time in Bristol with friends and family.

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Mark

Mark

Mark helps mortgage customers protect their homes and families with clear, accessible advice on life insurance and personal protection.

After an early career in finance in Australia, Mark returned to the UK in 2016 and has continued building his expertise in supporting individuals and families. He takes pride in educating each person about the best options available, no matter how complex their circumstances or medical history. He’s committed to going the extra mile to find the right cover.

When Mark’s not working, he really enjoys cooking and travelling, though most of his free time is now happily spent with his energetic daughter attending tea parties and reading her favourite books.

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Darryl

Darryl

Darryl has been helping people with their mortgages for over 20 years. He’s worked with people from all walks of life – from those buying a first home, through remortgaging and moving home, to exploring later life lending such as equity release. His extensive knowledge of lenders and their criteria means he can quickly find just the right option for you.

He joined WR Ethical in 2025 and believes mortgage advice should always be clear and easy to understand, so you feel confident to make informed choices.

When he’s not working, Darryl is raising four children, who keep life busy and fun. He also loves cooking, getting lost in a good book, and travelling whenever possible.

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Lorna

Lorna

Lorna joined WR Ethical in 2025, bringing strong organisational skills and a love for helping others. She handles the admin that keeps mortgage applications moving smoothly, making sure nothing gets missed along the way.

After three years working in the theatre industry, Lorna returned to her admin roots. Her interest in mortgages sparked after buying her first house, and she’s looking forward to helping others through the same journey.

Outside of work, Lorna loves spending time with her family and keeping active, either at the gym or on a long walk.

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Conor

Conor

Conor loves guiding first time buyers and movers through one of life’s biggest financial decisions, making the process as clear and stress-free as possible.

After building his mortgage advice experience at another Bristol firm, Conor joined WR Ethical in 2025. Prior to moving into financial services, he worked in healthcare, including time as an emergency care attendant with the ambulance service. That experience taught him how to support people through challenging moments with calm, clarity and care – skills he continues to bring to his mortgage advice today.

Outside of work, Conor is a keen kickboxer who enjoys the discipline and focus the sport brings. At home, he mostly enjoys spending time with his young family, but you’ll also find him playing padel and tennis when time allows.

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Take Your Next Step

Book your free consultation now. Choose a time that works for you, and we’ll call you for a relaxed, no-pressure chat about your remortgage options.

Get expert advice

Let's Talk About Your Remortgage

Contacting us doesn't commit you to anything. We'll have a straightforward conversation about your current mortgage, when your deal ends, and whether switching lenders or staying put makes more sense. No jargon, no pressure—just honest guidance from people who care about finding you the right deal, not just any deal.

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Remember, your home may be repossessed if you do not keep up repayments on your mortgage.
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