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Furness BS 2 Year Discounted Variable

Initial Rate
1.39% Discounted Variable (collared at ) for 2 years (3.75% disc)
APRC
4.60%
Product Fee
£999
Monthly Repayment
£568.50

Continue on Fluent Mortgages' website + More Info

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:
1.39% Discounted Variable (collared at 1.39%) for 2 years (3.75% disc)
Incentives:
Free valuation fees (Max £665)
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£568.50 x 24
Total Amount Payable:
£243,918.36
Total Interest Payable:
£98,754.36
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
1.45% Discounted Variable (collared at 1.35%) to 31/01/2024 (2.51% disc)
APRC
3.60%
Product Fee
£999
Monthly Repayment
£572.53

Continue on Fluent Mortgages' website + More Info

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 30
Total Amount Payable:
£218,341
Total Interest Payable:
£72,552
Valuation Fee:
£265
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 1% Sum Repaid

Monmouthshire BS 2 Year Discounted Variable

Initial Rate
1.59% Discounted Variable (collared at 0.84%) for 2 years (3.15% disc)
APRC
4.20%
Product Fee
£999
Monthly Repayment
£582.02

Continue on Fluent Mortgages' website + More Info

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:
1.59% Discounted Variable (collared at 0.84%) for 2 years (3.15% 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:
£582.02 x 24
Total Amount Payable:
£236,157.44
Total Interest Payable:
£91,033.44
Valuation Fee:
Free
Exit Admin Fee:
£125
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Sum Repaid

West Brom BS 2 Year Discounted Variable

Initial Rate
1.59% Discounted Variable (collared at 1.29%) to 31/10/2023 (2.40% disc)
APRC
3.70%
Product Fee
£999
Monthly Repayment
£582.02

Continue on Fluent Mortgages' website + More Info

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:
1.59% Discounted Variable (collared at 1.29%) to 31/10/2023 (2.40% disc)
Incentives:
Free valuation fees (Max £740)
free legal fees
free valuation admin fees

Ongoing Monthly Payments:
£582.02 x 27
Total Amount Payable:
£219,878.12
Total Interest Payable:
£74,679.12
Valuation Fee:
Free
Exit Admin Fee:
£200
Early Repayment Charge:
No

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.60% Discounted Variable for 2 years (4.29% disc)
APRC
4.70%
Product Fee
£199
Monthly Repayment
£582.70

Continue on Fluent Mortgages' website + More Info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.60% Discounted Variable for 2 years (4.29% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£582.70 x 24
Total Amount Payable:
£252,320.08
Total Interest Payable:
£107,821.08
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Leeds BS 2 Year Fixed

Initial Rate
1.63% Fixed to 31/10/2023
APRC
4.50%
Product Fee
£999
Monthly Repayment
£584.75

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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:
1.63% Fixed to 31/10/2023
Incentives:
Free valuation fees (Max £999)
free valuation admin fees
help towards costs Remortgages

Initial Monthly Repayment:
£584.75 x 27
Ongoing Monthly Payments:
£747.36 x 36
Total Amount Payable:
£241,005.95
Total Interest Payable:
£95,407.95
Valuation Fee:
Free
Exit Admin Fee:
£199
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/10/23: 3/2% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 27 months at 1.63%, reverting to 4.04% variable for 36 months and 5.29% variable for remaining term. 27 monthly payments of £584.75, 36 monthly payments of £747.36, and 237 monthly payments of £830.02. The total amount payable would be £240,845.95 made up of the loan amount, interest £95,407.95 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.65% Fixed to 31/08/2023
APRC
3.40%
Product Fee
£999
Monthly Repayment
£586.11

Continue on Barclays Mortgage's website + More Info

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:
1.65% 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:
£586.11 x 25
Ongoing Monthly Payments:
£716.31 x 275
Total Amount Payable:
£212,717
Total Interest Payable:
£67,638
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2% Sum Repaid

Furness BS 2 Year Discounted Variable

Initial Rate
1.69% Discounted Variable (collared at ) for 2 years (3.45% disc)
APRC
4.60%
Product Fee
£0
Monthly Repayment
£588.85

Continue on Fluent Mortgages' website + More Info

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:
1.69% Discounted Variable (collared at 1.69%) for 2 years (3.45% disc)
Incentives:
Free valuation fees (Max £665)
No arrangement fees
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Ongoing Monthly Payments:
£588.85 x 24
Total Amount Payable:
£244,009.44
Total Interest Payable:
£99,844.44
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
1.69% Fixed for 2 years
APRC
4.70%
Product Fee
£999
Monthly Repayment
£588.85

Continue on Fluent Mortgages' website + More Info

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:
1.69% Fixed for 2 years
Incentives:
Free valuation fees (Max £665)
free legal feesRemortgages England, Wales or £150 towards legal feesRemortgages England, Wales, Scotland

Initial Monthly Repayment:
£588.85 x 24
Ongoing Monthly Payments:
£832.29 x 276
Total Amount Payable:
£245,008.44
Total Interest Payable:
£99,844.44
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 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

Continue on Fluent Mortgages' website + More Info

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 24
Total Amount Payable:
£257,106.08
Total Interest Payable:
£111,958.08
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
£0
Monthly Repayment
£589.54

Continue on Fluent Mortgages' website + More Info

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
No arrangement fees
£400 cashback On Completion

Ongoing Monthly Payments:
£589.54 x 24
Total Amount Payable:
£245,036.20
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
£0
Monthly Repayment
£589.54

Continue on Fluent Mortgages' website + More Info

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
No arrangement fees
£400 cashback On Completion

Ongoing Monthly Payments:
£589.54 x 24
Total Amount Payable:
£245,036.20
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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HSBC 2 Year Fixed

Initial Rate
1.74% Fixed to 30/11/2023
APRC
3.30%
Product Fee
£999
Monthly Repayment
£592.29

0808 291 2452

+ More Info

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:
1.74% Fixed to 30/11/2023
Incentives:
Free valuation fees
free legal fees Remortgages

Initial Monthly Repayment:
£592.29 x 28
Ongoing Monthly Payments:
£712.05 x 272
Total Amount Payable:
£211,355.72
Total Interest Payable:
£66,261.72
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 2/1% Outstanding Balance

Coventry BS 2 Year Fixed

Initial Rate
1.75% Fixed to 30/09/2023
APRC
4.00%
Product Fee
£999
Monthly Repayment
£592.98

Continue on Fluent Mortgages' website + More Info

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:
1.75% Fixed to 30/09/2023
Incentives:
Free valuation fees (Max £670)
free legal fees

Initial Monthly Repayment:
£592.98 x 26
Ongoing Monthly Payments:
£745.17 x 36
Total Amount Payable:
£228,344.72
Total Interest Payable:
£83,345.72
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/9/23: 2/1% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 26 months at 1.75%, reverting to 3.99% variable for 36 months and 4.49% variable for remaining term. 26 monthly payments of £592.98, 36 monthly payments of £745.17, and 238 monthly payments of £777.74. The total amount payable would be £228,584.72 made up of the loan amount, interest £83,345.72 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.75% Discounted Variable for 2 years (4.14% disc)
APRC
4.70%
Product Fee
£699
Monthly Repayment
£592.98

Continue on Fluent Mortgages' website + More Info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.75% Discounted Variable for 2 years (4.14% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£592.98 x 24
Total Amount Payable:
£253,373.64
Total Interest Payable:
£108,374.64
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Nationwide BS 3 Year Fixed

Cashback Available

Initial Rate
1.75% Fixed for 3 years
APRC
3.20%
Product Fee
£999
Monthly Repayment
£592.98

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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:
1.75% Fixed for 3 years
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback On Completion or free legal fees

Initial Monthly Repayment:
£592.98 x 36
Ongoing Monthly Payments:
£712.12 x 264
Total Amount Payable:
£210,345.96
Total Interest Payable:
£65,346.96
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

Nationwide BS 2 Year Fixed

Cashback Available

Initial Rate
1.75% Fixed for 2 years
APRC
3.40%
Product Fee
£999
Monthly Repayment
£592.98

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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:
1.75% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
£500 cashback On Completion or free legal fees

Initial Monthly Repayment:
£592.98 x 24
Ongoing Monthly Payments:
£717.39 x 276
Total Amount Payable:
£213,230.16
Total Interest Payable:
£68,231.16
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

NatWest 2 Year Fixed

Initial Rate
1.75% Fixed to 30/11/2023
APRC
3.30%
Product Fee
£995
Monthly Repayment
£592.98

0800 158 2907

+ More Info

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:
1.75% Fixed to 30/11/2023
Incentives:
Free valuation fees
free legal fees
free valuation admin fees

Initial Monthly Repayment:
£592.98 x 28
Ongoing Monthly Payments:
£715.63 x 272
Total Amount Payable:
£212,249.80
Total Interest Payable:
£67,254.80
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 1.5/0.75% Sum Repaid

Royal Bank of Scotland 2 Year Fixed

Initial Rate
1.75% Fixed to 30/11/2023
APRC
3.30%
Product Fee
£995
Monthly Repayment
£592.98

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:
1.75% Fixed to 30/11/2023
Incentives:
Free valuation fees
free legal fees
free valuation admin fees

Initial Monthly Repayment:
£592.98 x 28
Ongoing Monthly Payments:
£715.63 x 272
Total Amount Payable:
£212,249.80
Total Interest Payable:
£67,254.80
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 1.5/0.75% Sum Repaid

Yorkshire Building Society 2 Year Fixed

Initial Rate
1.75% Fixed to 31/10/2023
APRC
3.50%
Product Fee
£1,495
Monthly Repayment
£592.98

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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:
1.75% Fixed to 31/10/2023
Incentives:

Initial Monthly Repayment:
£592.98 x 27
Ongoing Monthly Payments:
£727.42 x 36
Total Amount Payable:
£228,019.95
Total Interest Payable:
£81,874.95
Valuation Fee:
£160
Exit Admin Fee:
£90
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/10/23: 2.5/1.5% Sum Repaid

Representative example

A mortgage of £144,000 payable over 25 years initially on a fixed rate for 27 months at 1.75%, reverting to 3.75% variable for 36 months and 4.49% variable for remaining term. 27 monthly payments of £592.98, 36 monthly payments of £727.42, and 237 monthly payments of £775.01. The total amount payable would be £227,859.95 made up of the loan amount, interest £81,874.95 and a product fee £1,495 and valuation fee £160. The overall cost for comparison is 3.50% APRC representative.

Cumberland BS 2 Year Fixed

Initial Rate
1.78% Fixed to 01/10/2023
APRC
3.90%
Product Fee
£1,999
Monthly Repayment
£595.05

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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:
1.78% Fixed to 01/10/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£595.05 x 26
Ongoing Monthly Payments:
£752.64 x 274
Total Amount Payable:
£223,843.66
Total Interest Payable:
£77,694.66
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/10/23: 2/1% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.78% Fixed to 01/10/2023
APRC
3.90%
Product Fee
£1,999
Monthly Repayment
£595.05

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:
1.78% Fixed to 01/10/2023
Incentives:
Free valuation fees
free legal fees

Initial Monthly Repayment:
£595.05 x 26
Ongoing Monthly Payments:
£752.64 x 274
Total Amount Payable:
£223,843.66
Total Interest Payable:
£77,694.66
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/10/23: 2/1% Sum Repaid

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Leek United BS 2 Year Fixed

Cashback Available

Initial Rate
1.78% Fixed to 30/11/2023
APRC
4.70%
Product Fee
£1,495
Monthly Repayment
£595.05

Continue on Fluent Mortgages' website + More Info

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:
1.78% Fixed to 30/11/2023
Incentives:
Free valuation fees
£400 cashback On Completion

Initial Monthly Repayment:
£595.05 x 28
Ongoing Monthly Payments:
£833.30 x 272
Total Amount Payable:
£244,899
Total Interest Payable:
£99,319
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 2/1% Outstanding Balance

Leek United BS 2 Year Fixed

Cashback Available

Initial Rate
1.78% Fixed to 30/11/2023
APRC
4.70%
Product Fee
£1,495
Monthly Repayment
£595.05

Continue on Fluent Mortgages' website + More Info

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:
1.78% Fixed to 30/11/2023
Incentives:
Free valuation fees
£400 cashback On Completion

Initial Monthly Repayment:
£595.05 x 28
Ongoing Monthly Payments:
£833.30 x 272
Total Amount Payable:
£244,899
Total Interest Payable:
£99,319
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 2/1% Outstanding Balance

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

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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