Whole-of-market sourcing
We compare 90+ UK lenders end-to-end and re-broker over 200 households a week.
Whole-of-market sourcing
Santander · Compared
Santander Remortgage vs a Whole-of-Market Broker
Thinking of taking Santander's product transfer offer? Before you press "accept", let us compare Santander's rate against the other 90+ UK lenders — a whole-of-market remortgage often beats a direct product transfer by 0.15–0.40% on rate, and you also earn cashback of up to £1,500. The Santander product-transfer path stays open until your fix ends, so there's no downside to running both quotes.
FCA regulated firm
Cashback Remortgages is a trading style of Crayon Financial Solutions LTD (FRN 753785). Most buy-to-let mortgages are not FCA regulated.
Cashback up to £1,500
Cashback depends on loan size, eligibility and completion. Your adviser confirms the amount and payment conditions in writing.
Plan your switch early
Start comparing before your current deal ends. Offer validity and completion times depend on the lender and your circumstances.
Whole-of-market advice
Compare available mortgage options for your circumstances. Lender, legal, valuation and early repayment charges may still apply.
What we do for you
Cashback ladder
Every eligible loan earns cashback: £50k – £100k loan → RE £50 · PT £25 · £101k – £200k loan → RE £210 · PT £107 · £201k – £300k loan → RE £315 · PT £157 · £301k – £400k loan → RE £450 · PT £225 · £401k – £500k loan → RE £575 · PT £287 · £501k – £600k loan → RE £690 · PT £345 · £601k – £700k loan → RE £850 · PT £425 · £701k – £800k loan → RE £975 · PT £485 · £801k – £900k loan → RE £1,100 · PT £550 · £901k – £1m loan → RE £1,250 · PT £625 · £1m+ loan → RE £1,500 · PT £750. Cashback lands on the day your mortgage completes.
Whole-of-market sourcing
Zero broker fee
We're paid by the lender on completion. You pay us nothing — the cashback goes straight to your bank account.
Whole-of-market sourcing
One named adviser
Same face from quote to keys. No call centres, no scripts, no juniors handing you off.
Whole-of-market sourcing
Online and telephone advice
Speak to your adviser and send documents through the portal. Completion time depends on the lender, legal work and your circumstances.
Whole-of-market sourcing
FCA regulated
Authorised and regulated by the Financial Conduct Authority. Covered by the FOS + FSCS.
Whole-of-market sourcing
Frequently asked questions
Should I take Santander's product transfer or switch lender?▾
It depends on the rate. In most weeks a whole-of-market remortgage beats Santander's direct product transfer by 0.15–0.40% on the same loan size — enough to save several hundred pounds a year even after conveyancing costs. On top of that, remortgages earn cashback up to £1,500 (product transfers earn up to £750). We'll quote both and tell you which wins in writing.
Do you work with Santander?▾
Yes — Santander is on our lender panel. If Santander's product transfer is genuinely the cheapest option we'll tell you honestly and help you take it. If a switch to a different lender saves more, we'll show you the numbers side-by-side.
How much cashback will I get on my remortgage?▾
Cashback Remortgages pays cashback of up to £1,500 on eligible UK remortgages, on a sliding scale based on your loan size. The full ladder: £50k – £100k loan → RE £50 · PT £25 · £101k – £200k loan → RE £210 · PT £107 · £201k – £300k loan → RE £315 · PT £157 · £301k – £400k loan → RE £450 · PT £225 · £401k – £500k loan → RE £575 · PT £287 · £501k – £600k loan → RE £690 · PT £345 · £601k – £700k loan → RE £850 · PT £425 · £701k – £800k loan → RE £975 · PT £485 · £801k – £900k loan → RE £1,100 · PT £550 · £901k – £1m loan → RE £1,250 · PT £625 · £1m+ loan → RE £1,500 · PT £750. For a £250,000 loan you'd receive RE £315 (remortgage) or PT £157 (product transfer) — you claim one or the other depending on the offer you accept.
Is Cashback Remortgages a real mortgage broker?▾
Yes. Cashback Remortgages is an FCA-authorised, whole-of-market UK mortgage brokerage. Advice is regulated, we compare 90+ lenders, we charge zero broker fee, and we pay cashback of up to £1,500 on eligible remortgages on completion day.
Are you whole-of-market?▾
We provide whole-of-market mortgage advice. We compare the products available to us for your circumstances and explain our recommendation, including costs and eligibility. Some direct-only deals may not be available through a broker.
Do you charge a broker fee?▾
No. Cashback Remortgages is paid by the lender, not by you. You pay zero broker fee on remortgages and product transfers.
Will checking my rate affect my credit score?▾
Your initial savings check uses only the information you provide — no lender hits your credit file at this stage. A hard credit search only happens once you instruct us to proceed with a specific lender's application.
How fast can I remortgage?▾
Timing varies with the lender, valuation, legal work and your documents. Begin comparisons before your deal expires; your adviser will confirm the lender's offer validity and help plan a completion date. A completion time is not guaranteed.
Sources and important information
General information, not a personal mortgage recommendation. Rates, eligibility and cashback depend on your circumstances. No broker fee does not remove lender, legal or early repayment charges.
Ready to switch? Get your instant quote in 2 minutes.
No broker fee. No call centres. One named adviser. Cashback up to £1,500 on eligible remortgages.