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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.

Affordability calculator

Find out how much you can borrow with our affordability calculators.

Variable mortgages

Our Standard Variable Rate (SVR) is currently 8.19% (variable). Please note from 1st January 2025 the SVR will be 7.99% (variable). 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
Ltd Co Multi-Unit Freehold Block (MUFB) variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.3% APRC
Max LTV %
70%
Product fee
£1499
Product name
Buy to Let variable for 2 years
Initial rate
5.94%
Discount from SVR
2.25%
Overall cost for comparison
8.2% APRC
Max LTV %
80%
Product fee
£999
Product name
Ltd Company Buy to Let variable for 2 years
Initial rate
5.94%
Discount from SVR
2.25%
Overall cost for comparison
8.2% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Holiday Let variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.2% APRC
Max LTV %
75%
Product fee
£999
Product name
Ltd Co Holiday Let variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Residential variable for 2 years
Initial rate
5.54%
Discount from SVR
2.65%
Overall cost for comparison
7.7% APRC
Max LTV %
80%
Product fee
£999
Product name
Fee Saver 95% Residential variable for 2 years
Initial rate
6.59%
Discount from SVR
1.60%
Overall cost for comparison
7.9% APRC
Max LTV %
95%
Product fee
£0
Product name
Fee Saver 80% Residential variable for 2 years
Initial rate
5.79%
Discount from SVR
2.40%
Overall cost for comparison
7.7% APRC
Max LTV %
80%
Product fee
£0
Product name
95% Residential variable for 2 years
Initial rate
6.24%
Discount from SVR
1.95%
Overall cost for comparison
8.0% APRC
Max LTV %
95%
Product fee
£999
Product name
Retirement mortgage (power of attorney) variable lifetime discount
Initial rate
5.99%
Discount from SVR
2.20%
Overall cost for comparison
6.2% APRC
Max LTV %
50%
Product fee
0
Product name
Retirement mortgage (non power of attorney) variable lifetime discount
Initial rate
6.49%
Discount from SVR
1.70%
Overall cost for comparison
6.7% APRC
Max LTV %
50%
Product fee
0
Product name
Multi-Unit Freehold Block (MUFB) variable for 2 years
Initial rate
6.19%
Discount from SVR
2%
Overall cost for comparison
8.3% APRC
Max LTV %
70%
Product fee
£999
Product name
85% Rent A Room variable for 2 years
Initial rate
6.04%
Discount from SVR
2.15%
Overall cost for comparison
8.0% APRC
Max LTV %
85%
Product fee
£999

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate (SVR), 8.19% (variable) after the initial rate period. Please note from 1st January 2025 the SVR will be 7.99% (variable).

Product name
Ltd Co Multi-Unit Freehold Block (MUFB) fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.8% APRC
Max LTV %
70%
Product fee
£1499
Product name
Ltd Co Multi-Unit Freehold Block (MUFB) fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
70%
Product fee
£1499
Product name
Multi-Unit Freehold Block (MUFB) fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
70%
Product fee
£999
Product name
Multi-Unit Freehold Block (MUFB) fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
70%
Product fee
£999
Product name
Buy to Let fixed for 5 years
Initial rate
5.49%
Overall cost for comparison
7.5% APRC
Max LTV %
80%
Product fee
£999
Product name
Buy to Let fixed for 2 years
Initial rate
5.85%
Overall cost for comparison
8.2% APRC
Max LTV %
80%
Product fee
£999
Product name
Ltd Company Buy to Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Ltd Company Buy To Let fixed for 2 years
Initial rate
5.85%
Overall cost for comparison
8.1% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
75%
Product fee
£999
Product name
Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£999
Product name
Ltd Company Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.7% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Ltd Company Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.3% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Residential fixed for 5 years
Initial rate
4.89%
Overall cost for comparison
6.8% APRC
Max LTV %
80%
Product fee
£999
Product name
95% Residential fixed for 5 years
Initial rate
5.39%
Overall cost for comparison
7.3% APRC
Max LTV %
95%
Product fee
£999
Product name
Residential fixed for 2 years
Initial rate
5.19%
Overall cost for comparison
7.4% APRC
Max LTV %
80%
Product fee
£999
Product name
95% Residential fixed for 2 years
Initial rate
5.89%
Overall cost for comparison
7.9% APRC
Max LTV %
95%
Product fee
£999
Product name
85% Rent A Room fixed for 2 years
Initial rate
5.69%
Overall cost for comparison
7.9% APRC
Max LTV %
85%
Product fee
£999
Product name
85% Rent A Room fixed for 5 years
Initial rate
5.39%
Overall cost for comparison
7.4% APRC
Max LTV %
85%
Product fee
£999

Useful stuff

Mortgage Conditions

Tariff of Mortgage Fees

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