Editorial policy

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Remortgage Lab aims for accurate, cautious UK mortgage explainers and transparent calculator maths. The site is published by Rodway Labs, an independent informational publisher, which writes, builds and maintains every guide and calculator. It exists to make the arithmetic behind a UK remortgage decision visible before you speak to a lender, broker or adviser. We do not name a personal author or claim adviser credentials, so this page sets out the process instead: where information comes from, how it is checked, how we stay independent and how mistakes are fixed. We are not authorised by the FCA, and nothing on the site is personalised advice.

Sources

• Tax: SDLT bands come from GOV.UK, for England and Northern Ireland only. Scotland (LBTT) and Wales (LTT) are described but not calculated.
• Process and consumer protection: MoneyHelper remortgage guidance, FCA consumer mortgage pages and UK Finance market context. Guides name the source they rely on, on the page.
• ERCs and fees: the reader’s own offer and Key Facts Illustration. Our percentage and months-of-interest methods are estimates. Stepped schedules, exit fees and fees added to the loan are explained in the guides so you can adjust the inputs.
• EXAMPLE figures: 4.19%, 4.39%, 4.14% and a 7.49% SVR on a £185,000 balance are one shared, labelled scenario, not live market quotes. Last checked 11 October 2026.

In short: Tax bands come from GOV.UK (SDLT, England and Northern Ireland only). Process and consumer-protection points follow MoneyHelper remortgage guidance and FCA consumer mortgage pages, with UK Finance for market context. ERC and fee figures in a result come from your own offer, because the contract wording wins. EXAMPLE rates are labelled scenarios, not live market quotes.

We write in our own words and do not copy lender or comparison-site copy. Where a source changes, the page follows the source, not the other way round.

Review process

• Every £ figure in a worked EXAMPLE is reproduced from the site’s own calculators using the shared case, so a guide and a tool cannot quietly disagree.
• Calculators are tested against the standard amortising repayment formula and a fixed set of worked EXAMPLE cases, including the shared £185,000 case used across the site. A formula is changed only when a worked example shows an error, and formulae are re-checked against those cases whenever a related guide is revised. Zero and negative balances are rejected. See the calculator methodology.
• Before a change goes live, the site is rebuilt and every page is checked to load. Source links on a revised page are checked when it is re-read.
• Pages carry a last-checked or last-revised date. A last-checked date changes only when a page has been re-read, not on every deploy. Tax bands and the shared EXAMPLE case are reviewed when the rules change, and at least annually.

AI and automation

We use AI writing assistants and automated tools to help draft, edit and check pages. They do not decide what is published, and their output is not relied on by itself: figures are regenerated from the calculators, sources are named on the page, and Rodway Labs is responsible for everything published. We do not publish automatically generated pages at volume, and there are no AI-generated reviews, testimonials or people.

Independence and funding

The site is funded by display advertising from Google AdSense. Advertisers do not see, commission or approve content, and an ad next to a page is not an endorsement. There are no affiliate links, referral fees or commissions, and no lender, broker or adviser pays to be mentioned. Details are on the advertising disclosure and affiliate disclosure.

Corrections

If you spot an error, a broken calculator or an out-of-date figure, email hello@remortgagelab.co.uk. We check the report against the source or the worked example, correct material errors promptly, and update the page’s revised date. If a correction changes a calculator result, the explainer under that tool is updated at the same time. We do not take requests to promote a product or to change content in exchange for payment.