Remortgaging
If you’re thinking of remortgaging your existing house we have a range of fixed and variable rate products that could work for you. Use the Selection Tool to find the best mortgage for you.
If you’re thinking of remortgaging your existing house we have a range of fixed and variable rate products that could work for you. Use the Selection Tool to find the best mortgage for you.
Affordability calculator
Find out how much you can borrow with our affordability calculators.
The mortgages listed below move on to our Standard Variable Rate, 5.45% (variable), after the initial rate period. Our standard variable rate is changing to 5.60% on 1st June 2022. There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.
Product name | Initial rate i | Discount from SVR i | Overall cost for comparison i | Max % LTV i | Product fee i | Mortgage repayment |
---|---|---|---|---|---|---|
Buy To Let variable for 2 years See example | 3.30% | 2.15% | 5.3% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Ltd Company Buy To Let variable for 2 years See example | 3.30% | 2.15% | 5.4% APRC | 75% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Holiday Let variable for 2 years See example | 4.05% | 1.40% | 5.5% APRC | 70% | 1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £215,000.00 taken out for a period of 26 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Ltd Company Holiday Let variable for 2 years See example | 4.05% | 1.40% | 5.5% APRC | 70% | 1,999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £245,000.00 taken out for a period of 25 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Residential variable for 2 years See example | 2.54% | 2.91% | 5.0% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £210,000.00 taken out for a period of 18 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
95% Residential variable for 2 years See example | 3.54% | 1.91% | 5.4% APRC | 95% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £200,000.00 taken out for a period of 30 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Retirement mortgage (power of attorney) variable lifetime discount See example | 3.60% | 1.85% | 3.7% APRC | 50% | £699 | £XXX.xx
per month
See details |
Representative example: A mortgage of £95,000.00 taken out for a period of 17 years on an interest only basis. This example relates to the Retirement mortgage (power of attorney) variable lifetime discount product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1st June 2022. Please ask for a personalised illustration for your own particular requirements. | ||||||
Retirement mortgage (non power of attorney) variable lifetime discount See example | 4.10% | 1.35% | 4.3% APRC | 50% | £699 | £XXX.xx
per month
See details |
Representative example: A mortgage of £110,000.00 taken out for a period of 18 years on an interest only basis. This example relates to the Retirement mortgage (non power of attorney) variable lifetime discount product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1st June 2022. Please ask for a personalised illustration for your own specific requirements. | ||||||
HMO variable for 2 years See example | 3.84% | 1.61% | 5.5% APRC | 75% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
Ltd Company HMO variable for 2 years See example | 3.84% | 1.61% | 5.5% APRC | 70% | £1,999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | ||||||
80% Rent A Room variable for 2 years See example | 3.54% | 1.91% | 5.4% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 34 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. |
The mortgages listed below move on to our Standard Variable Rate, 5.45% (variable), after the initial rate period. Our standard variable rate is changing to 5.60% on 1st June 2022.
Product name | Initial rate i | Overall cost for comparison i | Max % LTV i | Product fee i | Mortgage repayment |
---|---|---|---|---|---|
Buy To Let fixed for 5 years See example | 3.54% | 5.0% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Buy To Let fixed for 2 years See example | 3.34% | 5.4% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company Buy To Let fixed for 5 years See example | 3.54% | 5.0% APRC | 75% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company Buy To Let fixed for 2 years See example | 3.34% | 5.4% APRC | 75% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements.
| |||||
Holiday Let fixed for 5 years See example | 3.79% | 5.1% APRC | 70% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Holiday Let fixed for 2 years See example | 3.69% | 5.4% APRC | 70% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company Holiday Let fixed for 5 years See example | 3.79% | 5.1% APRC | 70% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £185,000.00 taken out for a period of 23 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company Holiday Let fixed for 2 years See example | 3.69% | 5.4% APRC | 70% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £155,000.00 taken out for a period of 22 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Residential fixed for 5 years (max loan £250,000) See example | 3.04% | 4.5% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £150,000.00 taken out for a period of 19 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Residential fixed for 5 years (min loan £250,000) See example | 2.94% | 4.2% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £320,000.00 taken out for a period of 16 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
95% Residential fixed for 5 years (min loan £250,000) See example | 3.74% | 5.0% APRC | 95% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £275,000.00 taken out for a period of 30 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
95% Residential fixed for 5 years (max loan £250,000) See example | 3.84% | 5.0% APRC | 95% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £190,000.00 taken out for a period of 28 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
95% Residential fixed for 2 years See example | 3.64% | 5.4% APRC | 95% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £200,000.00 taken out for a period of 31 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
HMO fixed for 2 years See example | 3.09% | 5.3% APRC | 75% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
HMO fixed for 5 years See example | 3.29% | 4.9% APRC | 75% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £205,000.00 taken out for a period of 20 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company HMO fixed for 5 years See example | 3.29% | 4.9% APRC | 70% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £205,000.00 taken out for a period of 20 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Ltd Company HMO fixed for 2 years See example | 3.09% | 5.4% APRC | 70% | £1,499 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 18 years on an interest only basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Shared Ownership fixed for 2 years See example | 3.64% | 5.3% APRC | 95% | N/A | £XXX.xx
per month
See details |
Representative example: A mortgage of £180,000.00 taken out for a period of 27 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
Shared Ownership fixed for 5 years See example | 3.84% | 4.9% APRC | 95% | N/A | £XXX.xx
per month
See details |
Representative example: A mortgage of £145,000.00 taken out for a period of 23 years on a repayment basis. This example is based on our Shared Ownership fixed for 5 years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1st June 2022. Please ask for a personalised illustration for your own specific requirements. | |||||
80% Rent A Room fixed for 2 years See example | 3.64% | 5.4% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £135,000.00 taken out for a period of 34 years on a repayment basis. Please ask for a personalised illustration for your own particular requirements. | |||||
80% Rent A Room fixed for 5 years See example | 3.84% | 5.1% APRC | 80% | £999 | £XXX.xx
per month
See details |
Representative example: A mortgage of £190,000.00 taken out for a period of 32 years on a repayment basis. This example is based on our 80% Rent A Room fixed for 5 years product. It is based on our Shared Ownership fixed for 2 years product. It is based on our current Standard Variable Rate of 5.45%, with fees not added to the mortgage. Our Standard Variable Rate is changing to 5.60% on 1st June 2022. Please ask for a personalised illustration for your own particular requirements. |
Mortgage Conditions
Tariff of Mortgage Fees