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UK residential remortgage searches on Twenty7tec’s platform rose 44% year on year in September 2026, reaching 860,951. The figure points to a sharp increase in mortgage-product searches, not to 44% more borrowers completing a remortgage. Homeowners weighing up a new deal can stay with their current lender or remortgage to another lender; the better route depends on the costs and suitability of the available offers.
What the September figures show
Twenty7tec recorded 860,951 residential remortgage searches in September 2026. That was 40% more than in August and 44% more than in September 2025. The figures were reported on 5 October 2026 by Twenty7tec and summarized by cherry.
Overall mortgage searches on the platform reached 1,912,458, up 23% month on month and 15% year on year. Residential purchase searches were 617,709, up 8% on August and 1% on September 2025. First-time-buyer searches totaled 138,791, up 3% month on month but down 4% year on year. Twenty7tec described September as a rebound after a quieter summer, with remortgaging the standout area; its official announcement is available at Twenty7tec.
These are searches recorded on a mortgage technology platform. They are not counts of applications, approvals, or completed loans, and they do not establish why a person searched. Twenty7tec Chief Customer Officer Nathan Reilly said the growth made existing homeowners reviewing their borrowing increasingly important to adviser workloads. That is his interpretation of the platform’s activity, not a survey or census of all UK borrowers.
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What a remortgage search means—and what it does not
A search indicates that a mortgage product was looked up through the platform. One borrower may search more than once or consider several products, and a search does not show whether they proceeded. The 44% rise therefore describes platform search activity compared with September 2025; it does not mean that 44% more people completed remortgages.
Search activity also cannot, on its own, predict whether mortgage rates will rise or fall, identify one cause for the increase, or show which mortgage is right for an individual. Residential remortgage searches are a separate category from purchase, first-time-buyer and buy-to-let searches.
Rank #2
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
Refinancing can mean staying with your lender or switching
In the UK, refinancing includes both an internal product transfer—taking a new deal with the lender you already have—and an external remortgage to a different lender. UK Finance’s Household Finance Review 2025 Q4, published in February 2026, says 511,000 refinancing loans were advanced in the fourth quarter of 2025, 25% more than in the same quarter of 2024. About 83% of refinancing transactions in that quarter were product transfers.
UK Finance says product transfers had accounted for a fairly stable 75% of refinancing before 2020, and that customers continued to prefer internal retention deals. Its review notes that affordability tests do not apply to product transfers, which it identifies as one factor behind that preference. It also says borrowers coming off low-rate 2021 fixed deals still faced affordability pressures in the open market, although those pressures were easing as rates moved down. These are UK Finance’s analysis of the market, not a conclusion about any particular borrower.
Rank #3
- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
How to compare a product transfer with an external remortgage
A larger number of searches is a reason to check your options, not proof that switching will save you money. Compare the actual offers available to you and consider the full cost and fit of each route, including product fees, any relevant charges, your borrowing needs and your circumstances.
- Product transfer: a new deal with your existing lender. Check its rate, fees and terms against the alternatives available to you.
- External remortgage: a new mortgage with a different lender. Compare the overall costs and terms, not just the headline rate, and consider any charges associated with changing lender.
The September search data does not provide current mortgage rates, product fees or personalized advice. It cannot establish that an external switch—or a product transfer—is necessarily the better choice for you.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
When to start reviewing your mortgage
Use the September surge as a timely prompt to check when your current deal ends and find out what your lender and the wider market can offer. The platform figures do not identify an ideal review date for every borrower, so base your next steps on your own mortgage terms and circumstances. If you are unsure how to compare the offers, consider getting guidance from a suitably qualified mortgage adviser.
What UK Finance forecast for 2026
In its Mortgage Market Forecasts 2026–2027, released on 15 December 2025, UK Finance projected that external remortgaging would total £77 billion in 2026, up 10%, while product transfers would total £261 billion, up 2%. These are forecasts published before 2026, not final figures for what happened that year. They measure projected lending values, which are not directly comparable with Twenty7tec’s September search counts.
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