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.

Variable mortgages

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	3.10%	1.80%	4.8% APRC	80%	0.75% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £348.75 per month for 23 months, followed by £552.75 per month for 204 months. Total amount payable: £257,349.75 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £1,012.50, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example relates to the Buy to Let 3.10% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company Buy To Let variable for 2 years See example	3.10%	1.80%	4.90% APRC	75%	1.5% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £348.75 per month for 23 months, followed by £552.72 per month for 204 months. Total amount payable: £258,362.25 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £2,025, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the Buy to Let 3.10% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Holiday Let variable for 2 years See example	3.50%	1.40%	4.90% APRC	70%	0.75% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £195,000 taken out for a period of 23 years on an interest only basis. Monthly instalments: £568.75 per month for 23 months, followed by £798.65 per month for 252 months. Total amount payable: £411,443.55 Total amount of credit: £195,000 The total amount payable includes administration fee £125, valuation fee £340, product fee £1,462.50, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the Holiday Let 3.50% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company Holiday Let variable for 2 years See example	3.50%	1.40%	5.0% APRC	70%	1.5% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £195,000 taken out for a period of 23 years on an interest only basis. Monthly instalments: £568.75 per month for 23 months, followed by £798.63 per month for 252 months. Total amount payable: £412,901.01 Total amount of credit: £195,000 The total amount payable includes administration fee £125, valuation fee £340, product fee £2,925, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the Ltd Company Holiday Let 3.50% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Residential variable for 3 years See example	1.99%	2.91%	4.2% APRC	80%	0.4% (£599 min)	£XXX.xx per month See details
Representative example: A mortgage of £193,000 taken out for a period of 21 years on a repayment basis. Monthly instalments: £940.65 per month for 35 months, followed by £1,192.74 per month for 216 months. Total amount payable: £291,911.59 Total amount of credit: £193,000 The total amount payable includes administration fee £125, valuation fee £285, product fee £772, completion fee £75 and closing fee £100. The overall cost for comparison is 4.2% representative APRC. This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.
95% Residential variable for 3 years See example	3.49%	1.41%	4.8% APRC	95%	0.4% (£599 min)	£XXX.xx per month See details
Representative example: A mortgage of £143,000 taken out for a period of 30 years on a repayment basis. Monthly instalments: £642.35 per month for 35 months, followed by £752.86 per month for 324 months. Total amount payable: £267,562.89. Total amount of credit: £143,000. The total amount payable includes administration fee £125, valuation fee £255, product fee £599, completion fee £75 and closing fee £100. The overall cost for comparison is 4.8% representative APRC. This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.
Retirement mortgage (power of attorney) variable lifetime discount See example	3.05%	1.85%	3.2% APRC	50%	0.4% (£599 min)	£XXX.xx per month See details
Representative example: A mortgage of £59,000 taken out for a period of 17 years on an interest only basis. Monthly instalments: £149.96 per month for 203 months. Total amount payable: £90,570.88 Total amount of credit: £59,000 The total amount payable includes administration fee £125, valuation fee £230, product fee £599, completion fee £75 and closing fee £100. The overall cost for comparison is 3.2% representative APRC. This example relates to the Retirement mortgage (power of attorney) variable lifetime discount product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements. The APRC is based on a mortgage which runs for 17 years. The 17 year term and the APRC are used for illustration purposes only, as the Retirement Mortgage does not have a set term. The actual APRC will depend on how long the mortgage actually runs for. To compare mortgages from different lenders you will need to obtain illustrations for the same term.
Retirement mortgage (non power of attorney) variable lifetime discount See example	3.55%	1.35%	3.7% APRC	50%	0.4% (£599 min)	£XXX.xx per month See details
Representative example: A mortgage of £100,000 taken out for a period of 17 years on an interest only basis. Monthly instalments: £295.83 per month for 203 months. Total amount payable: £161,207.49 Total amount of credit: £100,000 The total amount payable includes administration fee £125, valuation fee £255, product fee £599, completion fee £75 and closing fee £100. The overall cost for comparison is 3.7% representative APRC. This example relates to the Retirement mortgage (non power of attorney) variable lifetime discount product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
HMO variable for 2 years See example	3.29%	1.61%	4.9% APRC	75%	0.75% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £370.13 per month for 23 months, followed by £552.84 per month for 204 months. Total amount payable: £258,184.85 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £1,012.50, completion fee £75 and closing fee £100. The overall cost for comparison is 4.9% representative APRC. This example relates to the HMO 3.29% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
Ltd Company HMO variable for 2 years See example	3.29%	1.61%	5.0% APRC	70%	1.50% (£999 min)	£XXX.xx per month See details
Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis. Monthly instalments: £370.13 per month for 23 months, followed by £552.84 per month for 204 months. Total amount payable: £259,197.35 Total amount of credit: £135,000 The total amount payable includes administration fee £125, valuation fee £580, product fee £2,025, completion fee £75 and closing fee £100. The overall cost for comparison is 5.0% representative APRC. This example relates to the HMO 3.29% variable for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.
80% Rent A Room variable for 3 years See example	2.99%	1.91%	4.70% APRC	80%	0.4% (£599 min)	£XXX.xx per month See details
Representative example: A mortgage of £168,000 taken out for a period of 36 years on a repayment basis. Monthly instalments: £636.29 per month for 35 months, followed by £818.41 per month for 396 months. Total amount payable: £347,617.51 Total amount of credit: £168,000 The total amount payable includes administration fee £125, valuation fee £285, product fee £672, completion fee £75 and closing fee £100. The overall cost for comparison is 4.7% representative APRC. This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period. 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 Overall cost for
comparison i Max %
LTV i Product
fee i Mortgage
repayment

Buy To Let fixed for 5 years See example

3.69%

4.7% APRC

80%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £584.25 per month for 59 months, followed by £778.71 per month for 168 months.

Total amount payable: £357,304.03

Total amount of credit: £190,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £1,425, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.7% representative APRC.

This example relates to the Buy to Let 3.69% fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Buy To Let - fixed for 2 years See example

3.49%

4.9% APRC

80%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £552.58 per month for 23 months, followed by £778.23 per month for 204 months.

Total amount payable: £363,478.26

Total amount of credit: £190,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £1,425, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.9% representative APRC.

This example relates to the Buy to Let 3.49% fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Ltd Company Buy To Let fixed for 5 years See example

3.69%

4.70% APRC

75%

1.5% (£999 min)

£XXX.xx per month

See details

An example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £584.24 per month for 59 months, followed by £778.21 per month for 168 months.

Total amount payable: £358,784.03

Total amount of credit: £190,000

The total amount payable includes administration fee £125, valuation fee £340, product fee £2,850, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.7% representative APRC.

This example relates to the Ltd Company Buy To Let fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Ltd Company Buy To Let fixed for 2 years See example

3.49%

5.0% APRC

75%

1.5% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £552.58 per month for 23 months, followed by £778.23 per month for 204 months.

Total amount payable: £364,958.26

Total amount of credit: £190,000

The total amount payable includes administration fee £125, valuation fee £340, product fee £2,850, completion fee £75 and closing fee £100.

The overall cost for comparison is 5.0% representative APRC.

This example relates to the Buy to Let fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Holiday Let fixed for 5 years See example

4.09%

4.80% APRC

70%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £234,000 taken out for a period of 17 years on an interest only basis.

Monthly instalments: £797.55 per month for 59 months, followed by £959.22 per month for 144 months.

Total amount payable: £421,633.13

Total amount of credit: £234,000

The total amount payable includes administration fee £125, valuation fee £395, product fee £1,755, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

This example relates to the Holiday Let 4.09% fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Holiday Let fixed for 2 years See example

3.99%

5.0% APRC

70%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £215,000 taken out for a period of 20 years on an interest only basis.

Monthly instalments: £714.88 per month for 23 months, followed by £880.95 per month for 216 months.

Total amount payable: £424,034.94

Total amount of credit: £215,000

The total amount payable includes administration fee £125, valuation fee £395, product fee £1,612.50, completion fee £75 and closing fee £100.

The overall cost for comparison is 5.0% representative APRC.

This example relates to the Holiday Let 3.99% fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Ltd Company Holiday Let fixed for 5 years See example

4.09%

4.90% APRC

70%

1.5% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £234,000 taken out for a period of 17 years on an interest only basis.

Monthly instalments: £797.55 per month for 59 months, followed by £959.10 per month for 144 months.

Total amount payable: £423,370.85

Total amount of credit: £234,000

The total amount payable includes administration fee £125, valuation fee £395, product fee £3,510, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.9% representative APRC.

Ltd Company Holiday Let fixed for 2 years See example

3.99%

5.0% APRC

70%

1.5% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £215,000 taken out for a period of 20 years on an interest only basis.

Monthly instalments: £714.88 per month for 23 months, followed by £880.91 per month for 216 months.

Total amount payable: £425,638.80

Total amount of credit: £215,000

The total amount payable includes administration fee £125, valuation fee £395, product fee £3,225, completion fee £75 and closing fee £100.

The overall cost for comparison is 5.0% representative APRC.

Residential fixed for 5 years See example

2.69%

3.90% APRC

80%

0.4% (£599 min)

£XXX.xx per month

See details

Representative example: A mortgage of £164,000 taken out for a period of 16 years on a repayment basis.

Monthly instalments: £1,056.48 per month for 59 months, followed by £1,187.15 per month for 132 months.

Total amount payable: £220,277.12

Total amount of credit: £164,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £656, completion fee £75 and closing fee £100.

The overall cost for comparison is 3.9% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

95% Residential fixed for 5 years See example

3.89%

4.70% APRC

95%

0.4% (£599 min)

£XXX.xx per month

See details

Representative example: A mortgage of £197,000 taken out for a period of 25 years on a repayment basis.

Monthly instalments: £ 1,029.95 per month for 59 months, followed by £ 1,128.04 per month for 240 months.

Total amount payable: £ 332,869.65

Total amount of credit: £197,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £788, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.7% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

95% Residential fixed for 3 years See example

3.69%

4.80% APRC

95%

0.4% (£599 min)

£XXX.xx per month

See details

Representative example: A mortgage of £143,000 taken out for a period of 30 years on a repayment basis.

Monthly instalments: £658.40 per month for 35 months, followed by £754.49 per month for 324 months.

Total amount payable: £268,652.76

Total amount of credit: £143,000

The total amount payable includes administration fee £125, valuation fee £255, product fee £599, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

HMO fixed for 2 years See example

3.69%

5.0% APRC

75%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £415.13 per month for 23 months, followed by £553.05 per month for 204 months.

Total amount payable: £259,262.69

Total amount of credit: £135,000

The total amount payable includes administration fee £125, valuation fee £580, product fee £1,012.50, completion fee £75 and closing fee £100.

The overall cost for comparison is 5.0% representative APRC.

This example relates to the HMO 3.69% fixed for two years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

HMO fixed for 5 years See example

3.89%

4.8% APRC

75%

0.75% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £615.92 per month for 59 months, followed by £778.86 per month for 168 months.

Total amount payable: £359,492.76

Total amount of credit: £190,000

The total amount payable includes administration fee £125, valuation fee £580, product fee £1,425, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

This example relates to the HMO 3.89% fixed for five years product, is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personalised illustration for your own particular requirements.

Ltd Company HMO fixed for 5 years See example

3.89%

4.80% APRC

70%

1.50% (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £190,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £615.92 per month for 59 months, followed by £778.89 per month for 168 months.

Total amount payable: £360,922.80.

Total amount of credit: £190,000.

The total amount payable includes administration fee £125, valuation fee £580, product fee £2,850, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

Ltd Company HMO fixed for 2 years See example

3.69%

5.0% APRC

70%

1.50 (£999 min)

£XXX.xx per month

See details

Representative example: A mortgage of £135,000 taken out for a period of 19 years on an interest only basis.

Monthly instalments: £415.13 per month for 23 months, followed by £553.05 per month for 204 months.

Total amount payable: £260,275.19

Total amount of credit: £135,000

The total amount payable includes administration fee £125, valuation fee £580, product fee £2,025, completion fee £75 and closing fee £100.

The overall cost for comparison is 5.0% representative APRC.

Shared Ownership fixed for 2 years See example

3.59%

4.8% APRC

95%

N/A

£XXX.xx per month

See details

Representative example: A mortgage of £104,000 taken out for a period of 25 years on a repayment basis.

Monthly instalments: £526.77 per month for 23 months, followed by £599.85 per month for 276 months.

Total amount payable: £178,204.31

Total amount of credit: £104,000

The total amount payable includes administration fee £125, valuation fee £230, product fee £0, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

Shared Ownership fixed for 3 years See example

3.79%

4.80% APRC

95%

N/A

£XXX.xx per month

See details

Representative example: A mortgage of £95,000 taken out for a period of 29 years on a repayment basis.

Monthly instalments: £451.06 per month for 35 months, followed by £509.30 per month for 312 months.

Total amount payable: £175,218.70

Total amount of credit: £95,000

The total amount payable includes administration fee £125, valuation fee £230, product fee £0, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.8% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

80% Rent A Room fixed for 3 years See example

3.29%

4.70% APRC

80%

0.4% (£599 min)

£XXX.xx per month

See details

Representative example: A mortgage of £168,000 taken out for a period of 36 years on a repayment basis.

Monthly instalments: £664.90 per month for 35 months, followed by £820.99 per month for 396 months.

Total amount payable: £349,640.54

Total amount of credit: £168,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £672, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.7% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

80% Rent A Room fixed for 5 years See example

3.49%

4.6% APRC

80%

0.4% (£599 min)

£XXX.xx per month

See details

Representative example: A mortgage of £184,000 taken out for a period of 34 years on a repayment basis.

Monthly instalments: £771.83 per month for 59 months, followed by £912.89 per month for 348 months.

Total amount payable: £364,544.69

Total amount of credit: £184,000

The total amount payable includes administration fee £125, valuation fee £285, product fee £736, completion fee £75 and closing fee £100.

The overall cost for comparison is 4.6% representative APRC.

This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

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