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Furness BS 2 Year Discounted Variable

Initial Rate
1.49% Discounted Variable (collared at ) for 2 years (3.65% disc)
APRC
4.60%
Product Fee
£999
Monthly Repayment
£575.23

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Lender:
Furness BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
£800,000
Product Description:
1.49% Discounted Variable (collared at 1.49%) for 2 years (3.65% disc)
Incentives:
Free valuation fees (Max £665)
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£575.23 x 24
Total Amount Payable:
£244,281.36
Total Interest Payable:
£99,117.36
Valuation Fee:
£75
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Newcastle BS 2 Year Discounted Variable

Initial Rate
1.55% Discounted Variable to 30/09/2023 (2.41% disc)
APRC
3.60%
Product Fee
£999
Monthly Repayment
£579.30

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Lender:
Newcastle BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
£1,000,000
Product Description:
1.55% Discounted Variable to 30/09/2023 (2.41% disc)
Incentives:
Free valuation fees for properties valued Max £500K
free valuation admin fees for properties valued Max £500K

Ongoing Monthly Payments:
£579.30 x 28
Total Amount Payable:
£219,138.64
Total Interest Payable:
£73,614.64
Valuation Fee:
Free
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/9/23: 2/1% Sum Repaid

Marsden BS 2 Year Discounted Variable

Bad Credit

Initial Rate
1.69% Discounted Variable to 31/07/2023 (4.01% disc)
APRC
4.90%
Product Fee
£998
Monthly Repayment
£588.85

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Lender:
Marsden BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
Varies
Product Description:
1.69% Discounted Variable to 31/07/2023 (4.01% disc)
Incentives:
Free valuation fees for properties valued Max £500K
free legal fees Remortgages
free valuation admin fees for properties valued Max £500K

Ongoing Monthly Payments:
£588.85 x 26
Total Amount Payable:
£255,950.54
Total Interest Payable:
£110,802.54
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 3/2% Sum Repaid

Leek United BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.70% Discounted Variable for 2 years (3.49% disc)
APRC
4.60%
Product Fee
£995
Monthly Repayment
£589.54

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Lender:
Leek United BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
Varies
Product Description:
1.70% Discounted Variable for 2 years (3.49% disc)
Incentives:
Free valuation fees
£400 cashback On Completion

Ongoing Monthly Payments:
£589.54 x 24
Total Amount Payable:
£246,031.20
Total Interest Payable:
£100,951.20
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Outstanding Balance

Leek United BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.70% Discounted Variable for 2 years (3.49% disc)
APRC
4.60%
Product Fee
£995
Monthly Repayment
£589.54

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Lender:
Leek United BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
Varies
Product Description:
1.70% Discounted Variable for 2 years (3.49% disc)
Incentives:
Free valuation fees
£400 cashback On Completion

Ongoing Monthly Payments:
£589.54 x 24
Total Amount Payable:
£246,031.20
Total Interest Payable:
£100,951.20
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Outstanding Balance

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Monmouthshire BS 2 Year Discounted Variable

Initial Rate
1.75% Discounted Variable (collared at 1.00%) for 2 years (2.99% disc)
APRC
4.10%
Product Fee
£499
Monthly Repayment
£592.98

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Lender:
Monmouthshire BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£40,000
Max Loan:
Varies
Product Description:
1.75% Discounted Variable (collared at 1.00%) for 2 years (2.99% disc)
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees
free valuation admin fees for properties valued Max £1M

Ongoing Monthly Payments:
£592.98 x 24
Total Amount Payable:
£236,226.84
Total Interest Payable:
£91,602.84
Valuation Fee:
Free
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Sum Repaid

Furness BS 2 Year Discounted Variable

Initial Rate
1.79% Discounted Variable (collared at ) for 2 years (3.35% disc)
APRC
4.60%
Product Fee
£0
Monthly Repayment
£595.74

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Lender:
Furness BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
£800,000
Product Description:
1.79% Discounted Variable (collared at 1.79%) for 2 years (3.35% disc)
Incentives:
Free valuation fees (Max £665) Remortgages
No arrangement fees
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£595.74 x 24
Total Amount Payable:
£244,373.52
Total Interest Payable:
£100,208.52
Valuation Fee:
£75
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Furness BS 2 Year Fixed

Initial Rate
1.79% Fixed for 2 years
APRC
4.70%
Product Fee
£999
Monthly Repayment
£595.74

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Lender:
Furness BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
£800,000
Product Description:
1.79% Fixed for 2 years
Incentives:
Free valuation fees (Max £665) Remortgages
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Initial Monthly Repayment:
£595.74 x 24
Ongoing Monthly Payments:
£833.01 x 276
Total Amount Payable:
£245,372.52
Total Interest Payable:
£100,208.52
Valuation Fee:
£75
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Marsden BS 2 Year Fixed

Bad Credit

Initial Rate
1.79% Fixed to 31/07/2023
APRC
5.10%
Product Fee
£998
Monthly Repayment
£595.74

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Lender:
Marsden BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
Varies
Product Description:
1.79% Fixed to 31/07/2023
Incentives:
Free valuation fees for properties valued Max £500K
free legal fees Remortgages
free valuation admin fees for properties valued Max £500K

Initial Monthly Repayment:
£595.74 x 26
Ongoing Monthly Payments:
£874.87 x 274
Total Amount Payable:
£256,351.62
Total Interest Payable:
£111,203.62
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 3/2% Sum Repaid

Newcastle BS 2 Year Fixed

Initial Rate
1.85% Fixed to 30/09/2023
APRC
3.70%
Product Fee
£999
Monthly Repayment
£599.89

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Lender:
Newcastle BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£30,000
Max Loan:
£1,000,000
Product Description:
1.85% Fixed to 30/09/2023
Incentives:

Initial Monthly Repayment:
£599.89 x 28
Ongoing Monthly Payments:
£742.66 x 272
Total Amount Payable:
£220,589.44
Total Interest Payable:
£74,800.44
Valuation Fee:
£265
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/9/23: 2/1% Sum Repaid

Lloyds Bank 2 Year Fixed

Initial Rate
1.88% Fixed to 31/08/2023
APRC
3.50%
Product Fee
£999
Monthly Repayment
£601.97

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Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.88% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£601.97 x 27
Ongoing Monthly Payments:
£716.97 x 273
Total Amount Payable:
£212,985
Total Interest Payable:
£67,986
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

Lloyds Bank 2 Year Fixed

Cashback Available

Initial Rate
1.88% Fixed to 31/08/2023
APRC
3.50%
Product Fee
£999
Monthly Repayment
£601.97

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Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.88% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees
£200 cashback

Initial Monthly Repayment:
£601.97 x 27
Ongoing Monthly Payments:
£716.97 x 273
Total Amount Payable:
£212,785
Total Interest Payable:
£67,986
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Sum Repaid

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Yorkshire Building Society 2 Year Fixed

Initial Rate
1.88% Fixed to 31/07/2023
APRC
3.70%
Product Fee
£1,495
Monthly Repayment
£601.97

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Lender:
Yorkshire Building Society
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£50,000
Max Loan:
£1,000,000
Product Description:
1.88% Fixed to 31/07/2023
Incentives:

Initial Monthly Repayment:
£601.97 x 26
Ongoing Monthly Payments:
£728.78 x 36
Total Amount Payable:
£228,872.62
Total Interest Payable:
£82,727.62
Valuation Fee:
£160
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 2.5/1.5% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 26 months at 1.88%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 26 monthly payments of £601.97, 36 monthly payments of £728.78, and 238 monthly payments of £776.64. The total amount payable would be £228,712.62 made up of the loan amount, interest £82,727.62 and a product fee £1,495 and valuation fee £160. The overall cost for comparison is 3.70% APRC representative.

West Brom BS 2 Year Fixed

Initial Rate
1.89% Fixed to 30/06/2023
APRC
3.70%
Product Fee
£999
Monthly Repayment
£602.67

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Lender:
West Brom BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£40,000
Max Loan:
Varies
Product Description:
1.89% Fixed to 30/06/2023
Incentives:
Free valuation fees (Max £740)
free legal fees
free valuation admin fees

Initial Monthly Repayment:
£602.67 x 25
Ongoing Monthly Payments:
£746.64 x 275
Total Amount Payable:
£221,591.75
Total Interest Payable:
£76,392.75
Valuation Fee:
Free
Exit Admin Fee:
£200
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/6/23: 2/1% Sum Repaid

Lloyds Bank 5 Year Fixed

Initial Rate
1.92% Fixed to 31/08/2026
APRC
3.20%
Product Fee
£999
Monthly Repayment
£604.76

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Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.92% Fixed to 31/08/2026
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£604.76 x 63
Ongoing Monthly Payments:
£702.91 x 237
Total Amount Payable:
£205,688.55
Total Interest Payable:
£60,689.55
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/26: 5/4/3/2/1% Sum Repaid

Lloyds Bank 5 Year Fixed

Cashback Available

Initial Rate
1.92% Fixed to 31/08/2026
APRC
3.20%
Product Fee
£999
Monthly Repayment
£604.76

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Lender:
Lloyds Bank
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£249,999
Product Description:
1.92% Fixed to 31/08/2026
Incentives:
Free valuation fees
free legal fees
£200 cashback

Initial Monthly Repayment:
£604.76 x 63
Ongoing Monthly Payments:
£702.91 x 237
Total Amount Payable:
£205,488.55
Total Interest Payable:
£60,689.55
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/26: 5/4/3/2/1% Sum Repaid

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Yorkshire Building Society 5 Year Fixed

Initial Rate
1.92% Fixed to 31/07/2026
APRC
3.10%
Product Fee
£1,495
Monthly Repayment
£604.76

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Lender:
Yorkshire Building Society
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£50,000
Max Loan:
£1,000,000
Product Description:
1.92% Fixed to 31/07/2026
Incentives:

Initial Monthly Repayment:
£604.76 x 62
Ongoing Monthly Payments:
£760.06 x 238
Total Amount Payable:
£220,534.40
Total Interest Payable:
£74,389.40
Valuation Fee:
£160
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/26: 5/4/3/2.5/1.5% Sum Repaid

Cumberland BS 2 Year Discounted Variable

Initial Rate
1.94% Discounted Variable for 2 years (2.15% disc)
APRC
3.80%
Product Fee
£999
Monthly Repayment
£606.15

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Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£50,000
Max Loan:
£2,000,000
Product Description:
1.94% Discounted Variable for 2 years (2.15% disc)
Incentives:
Free valuation fees
free legal fees

Ongoing Monthly Payments:
£606.15 x 24
Total Amount Payable:
£224,018.64
Total Interest Payable:
£78,869.64
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Sum Repaid

HSBC 2 Year Fixed

Initial Rate
1.94% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£999
Monthly Repayment
£606.15

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Lender:
HSBC
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£10,000
Max Loan:
£1,000,000
Product Description:
1.94% Fixed to 31/08/2023
Incentives:
Free valuation fees
free legal fees Remortgages

Initial Monthly Repayment:
£606.15 x 27
Ongoing Monthly Payments:
£713.85 x 273
Total Amount Payable:
£212,341.10
Total Interest Payable:
£67,247.10
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Outstanding Balance

West Brom BS 2 Year Discounted Variable

Initial Rate
1.94% Discounted Variable (collared at 1.64%) to 30/06/2023 (2.05% disc)
APRC
3.70%
Product Fee
£999
Monthly Repayment
£606.15

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Lender:
West Brom BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£40,000
Max Loan:
Varies
Product Description:
1.94% Discounted Variable (collared at 1.64%) to 30/06/2023 (2.05% disc)
Incentives:
Free valuation fees (Max £740)
free legal fees
free valuation admin fees

Ongoing Monthly Payments:
£606.15 x 25
Total Amount Payable:
£221,769.50
Total Interest Payable:
£76,570.50
Valuation Fee:
Free
Exit Admin Fee:
£200
Early Repayment Charge:
No

Coventry BS 2 Year Fixed

Initial Rate
1.95% Fixed to 30/06/2023
APRC
4.10%
Product Fee
£999
Monthly Repayment
£606.85

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Lender:
Coventry BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£0
Max Loan:
Varies
Product Description:
1.95% Fixed to 30/06/2023
Incentives:
Free valuation fees (Max £670)
free legal fees

Initial Monthly Repayment:
£606.85 x 25
Ongoing Monthly Payments:
£747.04 x 36
Total Amount Payable:
£229,438.28
Total Interest Payable:
£84,439.28
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/6/23: 2/1% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 25 months at 1.95%, reverting to 3.99% variable for 36 months and 4.49% variable for remaining term. 25 monthly payments of £606.85, 36 monthly payments of £747.04, and 239 monthly payments of £779.81. The total amount payable would be £229,678.28 made up of the loan amount, interest £84,439.28 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

Leeds BS 2 Year Fixed

Initial Rate
1.95% Fixed to 31/07/2023
APRC
4.50%
Product Fee
£999
Monthly Repayment
£606.85

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Lender:
Leeds BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£0
Max Loan:
Varies
Product Description:
1.95% Fixed to 31/07/2023
Incentives:
Free valuation fees (Max £999)
free valuation admin fees
help towards costs Remortgages

Initial Monthly Repayment:
£606.85 x 26
Ongoing Monthly Payments:
£750.18 x 36
Total Amount Payable:
£242,743.68
Total Interest Payable:
£97,145.68
Valuation Fee:
Free
Exit Admin Fee:
£199
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 3/2% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 26 months at 1.95%, reverting to 4.04% variable for 36 months and 5.29% variable for remaining term. 26 monthly payments of £606.85, 36 monthly payments of £750.18, and 238 monthly payments of £833.45. The total amount payable would be £242,583.68 made up of the loan amount, interest £97,145.68 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

Principality BS 2 Year Fixed

Initial Rate
1.95% Fixed to 30/09/2023
APRC
4.10%
Product Fee
£895
Monthly Repayment
£606.85

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Lender:
Principality BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£5,000
Max Loan:
Varies
Product Description:
1.95% Fixed to 30/09/2023
Incentives:
Free valuation fees
free valuation admin fees

Initial Monthly Repayment:
£606.85 x 28
Ongoing Monthly Payments:
£775.41 x 272
Total Amount Payable:
£229,263.32
Total Interest Payable:
£83,903.32
Valuation Fee:
Free
Exit Admin Fee:
£65
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/9/23: 2/1.5% Sum Repaid

Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.97% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£999
Monthly Repayment
£608.25

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Lender:
Barclays Mortgage
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£5,000
Max Loan:
£2,000,000
Product Description:
1.97% Fixed to 31/08/2023
Incentives:
Free valuation fees Remortgages
free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free legal feesRemortgages or £250 cashbackRemortgages

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£608.25 x 27
Ongoing Monthly Payments:
£717.58 x 273
Total Amount Payable:
£213,401.09
Total Interest Payable:
£68,322.09
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.97% Fixed to 01/07/2023
APRC
3.80%
Product Fee
£999
Monthly Repayment
£608.25

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Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£20,000
Max Loan:
£500,000
Product Description:
1.97% Fixed to 01/07/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£608.25 x 25
Ongoing Monthly Payments:
£754.47 x 275
Total Amount Payable:
£223,834.50
Total Interest Payable:
£78,685.50
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/7/23: 2/1% Sum Repaid

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Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Published on 05 July 2017. Last updated on 09 November 2020.

Remortgages FAQ

What is a remortgage?

When you reach the end of your mortgage deal you can choose to remain on your lender's default rate, known as its Standard Variable Rate (SVR), move to another deal with your lender or change mortgage providers. This last option is known as remortgaging.

What do I need to do to remortgage?

Applying for a remortgage is a similar process to applying for an initial mortgage. You'll need to undergo affordability checks, your property will have to be valued and you'll need a deposit (usually provided by the equity you have in your home).

Do I have to remortgage at the end of my mortgage deal?

No you don't. You can choose to stay on your lender's default rate, known as its Standard Variable Rate (SVR) or move to another deal with your current lender.

What are the benefits of remortgaging?

Remortgaging gives you a chance to access new deals that may not have been available to you when you originally applied for a mortgage.

Are there any downsides to remortgaging?

It can be a costly affair as you may face all the same fees you did when originally applying for a mortgage including an arrangement fee, booking fee, valuation fee and legal fees. Furthermore, if you remortgage before the end of your current deal you could face an Early Repayment Charge (ERC).

How many times can I remortgage?

There is no limit to the amount of times you can remortgage but it's worth bearing in mind the costs involved.

What fees will I pay to remortgage?

The fees involved with remortgaging are the same as those you'd face when originally applying for a mortgage including a valuation fee, arrangement fee, booking fee and legal fees. Not all fees apply to all mortgages however.

What are my options if I can't remortgage?

If you don't have sufficient equity in your home or your circumstances make it impossible for you to get a new mortgage deal, your only option is to stay on your lender's Standard Variable Rate (SVR). If you are struggling however, it is essential that you speak with your lender.

How can I find the right remortgage option for me?

NerdWallet's comprehensive comparison tables are free to access and easy to use and can help you to find the right remortgage option to suit your particular circumstances.

Go to Mortgages Hub