Looking to save money or free up some equity? You can rely on us to find you the best mortgage deals from over 100 lenders and 20,000 products. Whether you want to switch or stay with your lender, we'll get things sorted quickly, simply and securely.
You can also save money with Saga Mortgages in the future. After you’ve remortgaged your home with us once, you’ll never pay advice fees again – no matter how many times you move or remortgage.
Need a helping hand? You can talk to a team of experts seven days a week, thanks to our partnership with award-winning broker Tembo. You'll soon see why they've been voted the UK’s Best Mortgage Broker in 2022, 2023, 2024 and 2025.
A mortgage is a loan secured against your home. You may lose your home if you don't repay each month.
We’ll do our best to find you a mortgage deal with a lower interest rate, meaning you could reduce your monthly payments. And thanks to our range of money-saving features, your potential savings don’t stop there.
Affordability checks - If you’re switching to a new mortgage provider, they will conduct a full affordability check before they approve you. This includes a credit check. If you’re staying with the same lender, full checks aren’t likely. This could be helpful if your income or circumstances have changed, as both can affect your affordability.
Fees and charges - Depending on the lender and your situation, you might need to pay arrangement fees, legal fees, and valuation fees. If you leave your current mortgage deal before it ends, you may have to pay an Early Repayment Charge (ERC). It can be costly, so you will need to factor this into your budget.
