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Furness BS 2 Year Discounted Variable

Initial Rate
1.09% Discounted Variable (collared at ) for 2 years (4.05% disc)
APRC
4.60%
Product Fee
£1,499
Monthly Repayment
£548.58

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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:
1.09% Discounted Variable (collared at 1.09%) for 2 years (4.05% disc)
Incentives:
Free valuation fees (Max £665)
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£548.58 x 24
Total Amount Payable:
£243,322.04
Total Interest Payable:
£97,658.04
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 Discounted Variable

Initial Rate
1.19% Discounted Variable (collared at ) for 2 years (3.95% disc)
APRC
4.60%
Product Fee
£999
Monthly Repayment
£555.17

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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:
1.19% Discounted Variable (collared at 1.19%) for 2 years (3.95% disc)
Incentives:
Free valuation fees (Max £665)
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£555.17 x 24
Total Amount Payable:
£243,187.20
Total Interest Payable:
£98,023.20
Valuation Fee:
£75
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Yorkshire Building Society 2 Year Variable

Initial Rate
1.29% Variable (collared at ) to 29/02/2024
APRC
3.70%
Product Fee
£995
Monthly Repayment
£561.81

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Lender:
Yorkshire Building Society
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£50,000
Max Loan:
£1,000,000
Product Description:
1.29% Variable (collared at 1.29%) to 29/02/2024
Incentives:
Free valuation fees

Initial Monthly Repayment:
£561.81 x 28
Ongoing Monthly Payments:
£723.52 x 36
Total Amount Payable:
£225,142.88
Total Interest Payable:
£79,657.88
Valuation Fee:
Free
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 1% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a tracker rate for 28 months at 1.29%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 28 monthly payments of £561.81, 36 monthly payments of £723.52, and 236 monthly payments of £770.68. The total amount payable would be £224,982.88 made up of the loan amount, interest £79,657.88 and a product fee £995 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

Cumberland BS 2 Year Discounted Variable

Initial Rate
1.36% Discounted Variable for 2 years (2.73% disc)
APRC
3.80%
Product Fee
£1,999
Monthly Repayment
£566.48

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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:
Varies
Product Description:
1.36% Discounted Variable for 2 years (2.73% disc)
Incentives:
Free valuation fees
free legal fees

Ongoing Monthly Payments:
£566.48 x 24
Total Amount Payable:
£223,023.28
Total Interest Payable:
£76,874.28
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Sum Repaid

Cumberland BS 2 Year Discounted Variable

Initial Rate
1.36% Discounted Variable for 2 years (2.73% disc)
APRC
3.90%
Product Fee
£1,999
Monthly Repayment
£566.48

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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:
Varies
Product Description:
1.36% Discounted Variable for 2 years (2.73% disc)
Incentives:
Free valuation fees
free legal fees

Ongoing Monthly Payments:
£566.48 x 24
Total Amount Payable:
£223,023.28
Total Interest Payable:
£76,874.28
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Sum Repaid

Leeds BS 2 Year Fixed

Initial Rate
1.36% Fixed to 31/01/2024
APRC
4.40%
Product Fee
£999
Monthly Repayment
£566.48

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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:
1.36% Fixed to 31/01/2024
Incentives:
Free valuation fees (Max £999)
free valuation admin fees
help towards costs Remortgages

Initial Monthly Repayment:
£566.48 x 27
Ongoing Monthly Payments:
£745.37 x 36
Total Amount Payable:
£239,914.88
Total Interest Payable:
£94,316.88
Valuation Fee:
Free
Exit Admin Fee:
£199
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3/2% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 27 months at 1.36%, reverting to 4.04% variable for 36 months and 5.29% variable for remaining term. 27 monthly payments of £566.48, 36 monthly payments of £745.37, and 237 monthly payments of £827.80. The total amount payable would be £239,754.88 made up of the loan amount, interest £94,316.88 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.40% APRC representative.

Furness BS 2 Year Fixed

Cashback Available

Initial Rate
1.37% Fixed for 2 years
APRC
4.60%
Product Fee
£999
Monthly Repayment
£567.15

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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:
1.37% Fixed for 2 years
Incentives:
Free valuation fees (Max £665)
£250 cashback
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Initial Monthly Repayment:
£567.15 x 24
Ongoing Monthly Payments:
£829.96 x 276
Total Amount Payable:
£243,594.56
Total Interest Payable:
£98,680.56
Valuation Fee:
£75
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Yorkshire Building Society 2 Year Fixed

Initial Rate
1.38% Fixed to 29/02/2024
APRC
3.40%
Product Fee
£1,495
Monthly Repayment
£567.82

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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:
1.38% Fixed to 29/02/2024
Incentives:
Free valuation fees

Initial Monthly Repayment:
£567.82 x 28
Ongoing Monthly Payments:
£724.20 x 36
Total Amount Payable:
£226,007.92
Total Interest Payable:
£80,022.92
Valuation Fee:
Free
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 2.5/1.5% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 28 months at 1.38%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 28 monthly payments of £567.82, 36 monthly payments of £724.20, and 236 monthly payments of £771.41. The total amount payable would be £225,847.92 made up of the loan amount, interest £80,022.92 and a product fee £1,495 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

HSBC 2 Year Fixed

Initial Rate
1.39% Fixed to 31/01/2024
APRC
3.30%
Product Fee
£999
Monthly Repayment
£568.50

0808 291 2452

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Lender:
HSBC
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£10,000
Max Loan:
£1,000,000
Product Description:
1.39% Fixed to 31/01/2024
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£568.50 x 27
Ongoing Monthly Payments:
£710.03 x 273
Total Amount Payable:
£210,281.69
Total Interest Payable:
£65,187.69
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 2/1% Outstanding Balance

Monmouthshire BS 2 Year Discounted Variable

Initial Rate
1.39% Discounted Variable (collared at 0.64%) for 2 years (3.35% disc)
APRC
4.20%
Product Fee
£999
Monthly Repayment
£568.50

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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:
1.39% Discounted Variable (collared at 0.64%) for 2 years (3.35% 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:
£568.50 x 24
Total Amount Payable:
£235,443.80
Total Interest Payable:
£90,319.80
Valuation Fee:
Free
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.41% Fixed to 01/01/2024
APRC
3.90%
Product Fee
£1,999
Monthly Repayment
£569.84

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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:
Varies
Product Description:
1.41% Fixed to 01/01/2024
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£569.84 x 26
Ongoing Monthly Payments:
£750.01 x 274
Total Amount Payable:
£222,467.58
Total Interest Payable:
£76,318.58
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/1/24: 2/1% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.41% Fixed to 01/01/2024
APRC
3.90%
Product Fee
£1,999
Monthly Repayment
£569.84

Continue on Fluent Mortgages' website + More info

Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£20,000
Max Loan:
Varies
Product Description:
1.41% Fixed to 01/01/2024
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£569.84 x 26
Ongoing Monthly Payments:
£750.01 x 274
Total Amount Payable:
£222,467.58
Total Interest Payable:
£76,318.58
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/1/24: 2/1% Sum Repaid

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Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.42% Fixed to 30/11/2023
APRC
3.30%
Product Fee
£999
Monthly Repayment
£570.51

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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:
1.42% Fixed to 30/11/2023
Incentives:
Free valuation fees Remortgages
free valuation fees for properties valued Max £2M House Purchase,First Time Buyers
free legal feesRemortgages or £250 cashbackRemortgages

Initial Monthly Repayment:
£570.51 x 25
Ongoing Monthly Payments:
£714.80 x 275
Total Amount Payable:
£211,911.75
Total Interest Payable:
£66,832.75
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 2% Sum Repaid

NatWest 2 Year Fixed

Initial Rate
1.43% Fixed to 29/02/2024
APRC
3.30%
Product Fee
£995
Monthly Repayment
£571.18

0800 158 2907

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Lender:
NatWest
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
£1,000,000
Product Description:
1.43% Fixed to 29/02/2024
Incentives:
Free valuation fees
free legal fees
free valuation admin fees

Initial Monthly Repayment:
£571.18 x 28
Ongoing Monthly Payments:
£713.31 x 272
Total Amount Payable:
£211,008.36
Total Interest Payable:
£66,013.36
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 1.5/0.75% Sum Repaid

Royal Bank of Scotland 2 Year Fixed

Initial Rate
1.43% Fixed to 29/02/2024
APRC
3.30%
Product Fee
£995
Monthly Repayment
£571.18

0800 096 7446

+ More info

Lender:
Royal Bank of Scotland
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
£1,000,000
Product Description:
1.43% Fixed to 29/02/2024
Incentives:
Free valuation fees
free legal fees
free valuation admin fees

Initial Monthly Repayment:
£571.18 x 28
Ongoing Monthly Payments:
£713.31 x 272
Total Amount Payable:
£211,008.36
Total Interest Payable:
£66,013.36
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 1.5/0.75% Sum Repaid

TSB 2 Year Fixed

Initial Rate
1.44% Fixed to 29/02/2024
APRC
3.30%
Product Fee
£995
Monthly Repayment
£571.86

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Lender:
TSB
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£5,000
Max Loan:
£1,000,000
Product Description:
1.44% Fixed to 29/02/2024
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£571.86 x 28
Ongoing Monthly Payments:
£713.38 x 272
Total Amount Payable:
£211,046.44
Total Interest Payable:
£66,051.44
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 2/1% Sum Repaid

Newcastle BS 2 Year Discounted Variable

Initial Rate
1.45% Discounted Variable (collared at 1.35%) to 31/01/2024 (2.51% disc)
APRC
3.60%
Product Fee
£999
Monthly Repayment
£572.53

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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:
1.45% Discounted Variable (collared at 1.35%) to 31/01/2024 (2.51% disc)
Incentives:

Ongoing Monthly Payments:
£572.53 x 27
Total Amount Payable:
£219,343.75
Total Interest Payable:
£73,554.75
Valuation Fee:
£265
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 1% Sum Repaid

Nationwide BS 2 Year Fixed

Cashback Available

Initial Rate
1.47% Fixed for 2 years
APRC
3.30%
Product Fee
£999
Monthly Repayment
£573.88

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Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
£1,000,000
Product Description:
1.47% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback On Completion or free legal fees

Initial Monthly Repayment:
£573.88 x 24
Ongoing Monthly Payments:
£715.64 x 276
Total Amount Payable:
£212,288.76
Total Interest Payable:
£67,289.76
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

Nationwide BS 3 Year Fixed

Cashback Available

Initial Rate
1.47% Fixed for 3 years
APRC
3.10%
Product Fee
£999
Monthly Repayment
£573.88

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Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£25,000
Max Loan:
£1,000,000
Product Description:
1.47% Fixed for 3 years
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback On Completion or free legal fees

Initial Monthly Repayment:
£573.88 x 36
Ongoing Monthly Payments:
£709.51 x 264
Total Amount Payable:
£208,969.32
Total Interest Payable:
£63,970.32
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 3 yrs: 2/1.5/0.75% Outstanding Balance

Santander 2 Year Fixed

Cashback Available

Initial Rate
1.49% Fixed to 02/01/2024
APRC
3.00%
Product Fee
£999
Monthly Repayment
£575.23

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Lender:
Santander
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£6,000
Max Loan:
£1,000,000
Product Description:
1.49% Fixed to 02/01/2024
Incentives:
Free valuation admin fees England, Wales, Northern Ireland
£250 cashback On Completion or free legal fees
free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

Initial Monthly Repayment:
£575.23 x 26
Ongoing Monthly Payments:
£697.91 x 274
Total Amount Payable:
£207,407.32
Total Interest Payable:
£62,183.32
Valuation Fee:
Free
Exit Admin Fee:
£225
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 2/1/24: 3% Outstanding Balance,to 2/11/23: Â£250 reclaimedCashback Reclaimed or to : 2/11/23. Legal Fee (Max Â£200.00)

Yorkshire Building Society 2 Year Variable

Initial Rate
1.49% Variable (collared at ) to 29/02/2024
APRC
3.70%
Product Fee
£995
Monthly Repayment
£575.23

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Lender:
Yorkshire Building Society
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£50,000
Max Loan:
£1,000,000
Product Description:
1.49% Variable (collared at 1.49%) to 29/02/2024
Incentives:
Free valuation fees

Initial Monthly Repayment:
£575.23 x 28
Ongoing Monthly Payments:
£725.02 x 36
Total Amount Payable:
£225,952.60
Total Interest Payable:
£80,467.60
Valuation Fee:
Free
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 1% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a tracker rate for 28 months at 1.49%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 28 monthly payments of £575.23, 36 monthly payments of £725.02, and 236 monthly payments of £772.29. The total amount payable would be £225,792.60 made up of the loan amount, interest £80,467.60 and a product fee £995 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

Leeds BS 2 Year Fixed

Initial Rate
1.53% Fixed to 31/01/2024
APRC
4.50%
Product Fee
£999
Monthly Repayment
£577.94

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Lender:
Leeds BS
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£0
Max Loan:
Varies
Product Description:
1.53% Fixed to 31/01/2024
Incentives:
Free valuation fees (Max £999)
free valuation admin fees
help towards costs Remortgages

Initial Monthly Repayment:
£577.94 x 27
Ongoing Monthly Payments:
£746.63 x 36
Total Amount Payable:
£240,601.46
Total Interest Payable:
£95,003.46
Valuation Fee:
Free
Exit Admin Fee:
£199
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3/2% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 27 months at 1.53%, reverting to 4.04% variable for 36 months and 5.29% variable for remaining term. 27 monthly payments of £577.94, 36 monthly payments of £746.63, and 237 monthly payments of £829.20. The total amount payable would be £240,441.46 made up of the loan amount, interest £95,003.46 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

Yorkshire Building Society 2 Year Fixed

Cashback Available

Initial Rate
1.53% Fixed to 29/02/2024
APRC
3.50%
Product Fee
£495
Monthly Repayment
£577.94

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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:
1.53% Fixed to 29/02/2024
Incentives:
Free valuation fees
free legal fees
£250 cashback

Initial Monthly Repayment:
£577.94 x 28
Ongoing Monthly Payments:
£725.32 x 36
Total Amount Payable:
£224,962.44
Total Interest Payable:
£80,627.44
Valuation Fee:
Free
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 29/2/24: 2.5/1.5% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 28 months at 1.53%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 28 monthly payments of £577.94, 36 monthly payments of £725.32, and 236 monthly payments of £772.60. The total amount payable would be £225,452.44 made up of the loan amount, interest £80,627.44 and a product fee £495 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

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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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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