Five years of Sprive on my own mortgage: £10,237.41 overpaid, a remortgage from Nationwide to Halifax, and what the cashback actually added.
April 16, 2026Comments are off for this post.
When Should You Remortgage UK? Timing, Tips and What to Watch For (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I remortgaged from Nationwide to Halifax in June 2026 and have overpaid my own mortgage through Sprive every month since October 2021. This guide draws on that real experience alongside verified market data.
Knowing when to remortgage UK is one of the most valuable financial moves you can make as a homeowner. Get it right and you could save thousands over the life of your deal. Get it wrong and you risk haemorrhaging money to your lender's standard variable rate while you scramble to sort a new deal. A surprising number of homeowners either leave it too late or jump too early and pay penalties they did not need to. Several of us on the CoolCuration team have remortgaged in the last couple of years, so this guide draws on real experience alongside verified market data.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
Important: This article is for informational purposes only and does not constitute financial or mortgage advice. CoolCuration is not authorised by the Financial Conduct Authority and does not provide regulated mortgage advice. Always consult a qualified mortgage adviser before making decisions about your mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
Sprive welcome offer
Once the new deal is sorted and you turn to overpaying, the latest sign-up bonus is kept up to date on our referral page.
Check the current Sprive bonus
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March 22, 2026Comments are off for this post.
Easiest Mortgage Broker UK: 4 Brokers Compared (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
For context: I have overpaid my own mortgage through Sprive since October 2021 and remortgaged from Nationwide to Halifax in June 2026, so the broker notes below sit on hands-on mortgage admin.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
Want the Better.co.uk voucher offer?
The £100 Amazon voucher offer from Better.co.uk featured below, and the steps to claim it, live on our refer-a-friend page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
CoolCuration is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice. The information below is for general informational purposes only. Always seek advice from an FCA-regulated broker or adviser before making mortgage decisions.
Trying to find the easiest mortgage broker in the UK? I used four different brokers for quotes on the same remortgage and compared them purely on how painless the process was. Spoiler: the rates that came back were almost identical. So if the deals are basically the same, the only thing that really matters is how much of your life gets eaten up by the process. That's even more true right now, as UK mortgage rates have climbed sharply following the Middle East conflict and lenders are repricing fast.
Here's how Habito, Better.co.uk, Sprive and Charles Cameron & Associates stacked up, ranked from smoothest to most old-school.
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March 15, 2026Comments are off for this post.
UK Mortgage Rates Rising: What the Middle East Conflict Means for Your Bills
Originally published: 15 March 2026. Reviewed for accuracy: 10 June 2026. This is a dated news post tied to specific events in early 2026; it is not intended as evergreen advice.
Update, 17 September 2026. Bank Rate is still 3.75%, but three of the nine members of the Bank of England’s Monetary Policy Committee now want it raised to 4%, and fixed mortgage rates rose again in September. The current position, updated after every decision, is on my Bank of England base rate page.
By Stiv · Design, technology and personal finance
I write this with skin in the game: a mortgage of my own, Nationwide until June 2026 and Halifax since, plus monthly overpayments running through Sprive since October 2021, so I have watched these rate swings as a borrower, not just a blogger.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
Overpaying as your hedge?
If overpaying is your answer to all of this, we keep the current Sprive welcome offer and claim steps up to date on our referral page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
CoolCuration is not authorised or regulated by the Financial Conduct Authority and does not provide financial advice. The information below is for general informational purposes only. Always seek advice from an FCA-regulated broker or adviser before making mortgage decisions.
If you've been watching the news this year, you'll know the Middle East conflict has thrown a spanner into the UK's financial outlook. UK mortgage rates climbed again after weeks of improvement, lenders pulled deals, and energy prices headed in the wrong direction. Whether you're on a fixed-rate mortgage nearing renewal or simply trying to keep your gas bill under control, the events of early 2026 have had lasting consequences. Here's what happened, what it means for your money, and what you can actually do about it.
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