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COMPARE 1000S OF REMORTGAGE RATES

£
£
£
Halifax
HSBC
Skipton Building Society
Metro Bank
The West Brom
TSB
Virgin Money
Scottish Widows
Principality Building Society
Accord Mortgages
Clydesdale Bank
Santander
Post Office Money
Coventry Building Society
Leeds Building Society
Furness Building Society
Barclays
NatWest
Nationwide
Halifax
HSBC
Skipton Building Society
Metro Bank
Sainsbury's Bank
The West Brom
M&S Bank
TSB
Virgin Money
Scottish Widows
Principality Building Society
Accord Mortgages
Clydesdale Bank
Santander
Post Office Money
Coventry Building Society
Leeds Building Society
Furness Building Society
Matching mortgages
Sort by:
Allied Irish Bank Fixed to 31/05/29
?
Monthly repayment
£676
Initial rate
?
4.24%
Total fees
?
£200
APRC
?
6.6%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Flexibility
Overpayments allowed?
Early Repayment Charge: 6 months interest until 31/05/29
Other info
Annual cost £8,158
Exit fee £55
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.24% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £676 and 240 payments of £897. The total amount payable would be £256,040 made up of the loan amount plus interest (£130,840) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Natwest Fixed to 31/08/29
?
Monthly repayment
£679
Initial rate
?
4.28%
Total fees
?
£1,544
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge: 4.5% reducing to 1% until 31/08/29
Other info
Annual cost £8,460
Exit fee £0
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.28% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £679 and 240 payments of £931. The total amount payable would be £265,724 made up of the loan amount plus interest (£139,180) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Santander Fixed to 02/09/29
?
Monthly repayment
£681
Initial rate
?
4.30%
Total fees
?
£1,048
APRC
?
6.5%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 02/09/29
Other info
Annual cost £8,378
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.30% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £680 and 240 payments of £881. The total amount payable would be £253,288 made up of the loan amount plus interest (£127,240) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Natwest Fixed to 31/08/29
?
Monthly repayment
£683
Initial rate
?
4.33%
Total fees
?
£1,044
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge: 4.5% reducing to 1% until 31/08/29
Other info
Annual cost £8,402
Exit fee £0
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.33% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £682 and 240 payments of £932. The total amount payable would be £265,644 made up of the loan amount plus interest (£139,600) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Halifax Fixed to 31/08/29
?
Monthly repayment
£683
Initial rate
?
4.33%
Total fees
?
£999
APRC
?
7.3%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,393
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.33% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £682 and 240 payments of £967. The total amount payable would be £273,999 made up of the loan amount plus interest (£148,000) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Nationwide Fixed for 5 years
?
Monthly repayment
£683
Initial rate
?
4.34%
Total fees
?
£798
APRC
?
6.8%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% for 5 years
Other info
Annual cost £8,361
Exit fee £65
Estimated legals £299
Cashback £500
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £915. The total amount payable would be £261,378 made up of the loan amount plus interest (£135,580) and fees (£798). The overall cost for comparison is 6.8% APRC representative.
Co-Op Fixed to 31/08/29
?
Monthly repayment
£690
Initial rate
?
4.43%
Total fees
?
£749
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,428
Exit fee £50
Estimated legals £0
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Halifax Fixed to 30/09/29
?
Monthly repayment
£690
Initial rate
?
4.43%
Total fees
?
£999
APRC
?
7.3%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 30/09/29
Other info
Annual cost £8,478
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £689 and 240 payments of £968. The total amount payable would be £274,659 made up of the loan amount plus interest (£148,660) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Cumberland Fixed to 01/07/29
?
Monthly repayment
£690
Initial rate
?
4.43%
Total fees
?
£999
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 01/07/29
Other info
Annual cost £8,478
Exit fee £125
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £689 and 240 payments of £933. The total amount payable would be £266,259 made up of the loan amount plus interest (£140,260) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Allied Irish Bank Fixed to 31/05/29
?
Monthly repayment
£691
Initial rate
?
4.44%
Total fees
?
£200
APRC
?
6.6%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Flexibility
Overpayments allowed?
Early Repayment Charge: 6 months interest until 31/05/29
Other info
Annual cost £8,326
Exit fee £55
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £690 and 240 payments of £900. The total amount payable would be £257,600 made up of the loan amount plus interest (£132,400) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Santander Fixed to 02/09/29
?
Monthly repayment
£692
Initial rate
?
4.46%
Total fees
?
£49
APRC
?
6.5%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 02/09/29
Other info
Annual cost £8,313
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.46% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £691 and 240 payments of £884. The total amount payable would be £253,669 made up of the loan amount plus interest (£128,620) and fees (£49). The overall cost for comparison is 6.5% APRC representative.
Halifax Fixed to 31/08/29
?
Monthly repayment
£692
Initial rate
?
4.46%
Total fees
?
£0
APRC
?
7.3%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,304
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.46% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £691 and 240 payments of £969. The total amount payable would be £274,020 made up of the loan amount plus interest (£149,020) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Natwest Fixed to 31/08/29
?
Monthly repayment
£693
Initial rate
?
4.48%
Total fees
?
£49
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge: 4.5% reducing to 1% until 31/08/29
Other info
Annual cost £8,330
Exit fee £0
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £693 and 240 payments of £934. The total amount payable would be £265,789 made up of the loan amount plus interest (£140,740) and fees (£49). The overall cost for comparison is 7.0% APRC representative.
HSBC Fixed to 31/07/29
?
Monthly repayment
£693
Initial rate
?
4.48%
Total fees
?
£998
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/07/29
Other info
Annual cost £8,520
Exit fee £0
Estimated legals £299
Cashback £300
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,578 made up of the loan amount plus interest (£120,580) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
First Direct Fixed for 5 years
?
Monthly repayment
£693
Initial rate
?
4.48%
Total fees
?
£490
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge: 3% reducing to 2% for 5 years
Other info
Annual cost £8,418
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,070 made up of the loan amount plus interest (£120,580) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Vernon Fixed to 31/08/29
?
Monthly repayment
£694
Initial rate
?
4.49%
Total fees
?
£1,543
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £245
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% until 31/08/29
Other info
Annual cost £8,638
Exit fee £130
Estimated legals £299
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.10% for the remaining 20 years would require 60 payments of £694 and 240 payments of £925. The total amount payable would be £265,183 made up of the loan amount plus interest (£138,640) and fees (£1,543). The overall cost for comparison is 6.9% APRC representative.
Newbury Fixed to 29/05/29
?
Monthly repayment
£694
Initial rate
?
4.49%
Total fees
?
£850
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% until 29/5/29
Other info
Annual cost £8,499
Exit fee £115
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.00% for the remaining 20 years would require 60 payments of £694 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Virgin Money Fixed to 01/08/29
?
Monthly repayment
£694
Initial rate
?
4.49%
Total fees
?
£895
APRC
?
7.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3.5% until 01/08/29
Other info
Annual cost £8,508
Exit fee £99
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,815 made up of the loan amount plus interest (£161,920) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Nationwide Fixed for 5 years
?
Monthly repayment
£694
Initial rate
?
4.49%
Total fees
?
-£201
APRC
?
6.8%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% for 5 years
Other info
Annual cost £8,289
Exit fee £65
Estimated legals £299
Cashback £500
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £917. The total amount payable would be £261,519 made up of the loan amount plus interest (£136,720) and fees (-£201). The overall cost for comparison is 6.8% APRC representative.
Natwest Fixed to 31/08/29
?
Monthly repayment
£696
Initial rate
?
4.51%
Total fees
?
£1,544
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge: 4.5% reducing to 1% until 31/08/29
Other info
Annual cost £8,655
Exit fee £0
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.51% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £695 and 240 payments of £935. The total amount payable would be £267,644 made up of the loan amount plus interest (£141,100) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Lloyds Fixed to 31/08/29
?
Monthly repayment
£697
Initial rate
?
4.53%
Total fees
?
£999
APRC
?
7.4%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% to 31/08/29
Other info
Annual cost £8,563
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £696 and 240 payments of £970. The total amount payable would be £275,559 made up of the loan amount plus interest (£149,560) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Leeds Fixed to 31/08/29
?
Monthly repayment
£698
Initial rate
?
4.54%
Total fees
?
£999
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% until 31/08/29
Other info
Annual cost £8,571
Exit fee £199
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £697 and 240 payments of £935. The total amount payable would be £267,219 made up of the loan amount plus interest (£141,220) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Virgin Money Fixed to 01/08/29
?
Monthly repayment
£698
Initial rate
?
4.54%
Total fees
?
£895
APRC
?
7.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3.5% until 01/08/29
Other info
Annual cost £8,551
Exit fee £99
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £697 and 240 payments of £1,023. The total amount payable would be £288,235 made up of the loan amount plus interest (£162,340) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Santander Fixed to 02/09/29
?
Monthly repayment
£698
Initial rate
?
4.55%
Total fees
?
£1,048
APRC
?
6.5%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 02/09/29
Other info
Annual cost £8,590
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £698 and 240 payments of £885. The total amount payable would be £255,328 made up of the loan amount plus interest (£129,280) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Allied Irish Bank Fixed to 31/05/29
?
Monthly repayment
£698
Initial rate
?
4.55%
Total fees
?
£200
APRC
?
6.7%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Flexibility
Overpayments allowed?
Early Repayment Charge: 6 months interest until 31/05/29
Other info
Annual cost £8,420
Exit fee £55
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £698 and 240 payments of £902. The total amount payable would be £258,560 made up of the loan amount plus interest (£133,360) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Halifax Fixed to 30/09/27
?
Monthly repayment
£698
Initial rate
?
4.55%
Total fees
?
£999
APRC
?
7.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3% reducing to 1% until 30/09/27
Other info
Annual cost £8,713
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.55% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £698 and 264 payments of £993. The total amount payable would be £288,279 made up of the loan amount plus interest (£162,280) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Natwest Fixed to 31/08/29
?
Monthly repayment
£699
Initial rate
?
4.56%
Total fees
?
£1,044
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge: 4.5% reducing to 1% until 31/08/29
Other info
Annual cost £8,597
Exit fee £0
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £699 and 240 payments of £936. The total amount payable would be £267,624 made up of the loan amount plus interest (£141,580) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Halifax Fixed to 31/08/29
?
Monthly repayment
£699
Initial rate
?
4.56%
Total fees
?
£999
APRC
?
7.4%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,588
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £275,739 made up of the loan amount plus interest (£149,740) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Santander Fixed to 02/09/27
?
Monthly repayment
£700
Initial rate
?
4.57%
Total fees
?
£1,048
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 2% reducing to 1% until 02/09/27
Other info
Annual cost £8,747
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.57% and then on a variable rate of 7.50% for the remaining 22 years would require 36 payments of £699 and 264 payments of £901. The total amount payable would be £264,076 made up of the loan amount plus interest (£138,028) and fees (£1,048). The overall cost for comparison is 6.9% APRC representative.
Co-Op Fixed to 31/08/29
?
Monthly repayment
£700
Initial rate
?
4.57%
Total fees
?
-£250
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,347
Exit fee £50
Estimated legals £0
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £699 and 240 payments of £927. The total amount payable would be £264,170 made up of the loan amount plus interest (£139,420) and fees (-£250). The overall cost for comparison is 6.9% APRC representative.
Cumberland Fixed to 01/07/29
?
Monthly repayment
£700
Initial rate
?
4.58%
Total fees
?
£999
APRC
?
7.1%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 01/07/29
Other info
Annual cost £8,606
Exit fee £125
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £267,639 made up of the loan amount plus interest (£141,640) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Nationwide Fixed for 5 years
?
Monthly repayment
£701
Initial rate
?
4.59%
Total fees
?
£798
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% for 5 years
Other info
Annual cost £8,574
Exit fee £65
Estimated legals £299
Cashback £500
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £701 and 240 payments of £919. The total amount payable would be £263,418 made up of the loan amount plus interest (£137,620) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Darlington Fixed to 30/04/29
?
Monthly repayment
£701
Initial rate
?
4.59%
Total fees
?
£798
APRC
?
6.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10%
Early Repayment Charge: 5% reducing to 2% until 30/04/29
Other info
Annual cost £8,574
Exit fee £100
Estimated legals £299
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.09% for the remaining 20 years would require 60 payments of £701 and 240 payments of £926. The total amount payable would be £265,098 made up of the loan amount plus interest (£139,300) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Halifax Fixed to 30/09/29
?
Monthly repayment
£703
Initial rate
?
4.61%
Total fees
?
£0
APRC
?
7.4%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 30/09/29
Other info
Annual cost £8,431
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.61% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £702 and 240 payments of £971. The total amount payable would be £275,160 made up of the loan amount plus interest (£150,160) and fees (£0). The overall cost for comparison is 7.4% APRC representative.
Halifax Fixed to 30/09/29
?
Monthly repayment
£703
Initial rate
?
4.61%
Total fees
?
£999
APRC
?
7.4%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 30/09/29
Other info
Annual cost £8,631
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.61% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £702 and 240 payments of £971. The total amount payable would be £276,159 made up of the loan amount plus interest (£150,160) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Co-Op Fixed to 31/08/29
?
Monthly repayment
£703
Initial rate
?
4.62%
Total fees
?
£749
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge: 5% reducing to 1% until 31/08/29
Other info
Annual cost £8,590
Exit fee £50
Estimated legals £0
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £703 and 240 payments of £928. The total amount payable would be £265,649 made up of the loan amount plus interest (£139,900) and fees (£749). The overall cost for comparison is 7.0% APRC representative.
HSBC Fixed to 31/07/29
?
Monthly repayment
£704
Initial rate
?
4.63%
Total fees
?
-£1
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/07/29
Other info
Annual cost £8,448
Exit fee £0
Estimated legals £299
Cashback £300
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,719 made up of the loan amount plus interest (£121,720) and fees (-£1). The overall cost for comparison is 6.2% APRC representative.
First Direct Fixed for 5 years
?
Monthly repayment
£704
Initial rate
?
4.63%
Total fees
?
£490
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge: 3% reducing to 2% for 5 years
Other info
Annual cost £8,547
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
First Direct Fixed for 5 years
?
Monthly repayment
£704
Initial rate
?
4.63%
Total fees
?
£0
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge: 3% reducing to 2% for 5 years
Other info
Annual cost £8,449
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,720 made up of the loan amount plus interest (£121,720) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
MPowered Mortgages Fixed for 5 years
?
Monthly repayment
£705
Initial rate
?
4.64%
Total fees
?
£999
APRC
?
7.4%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 4.5% reducing to 1% for 5 years
Other info
Annual cost £8,657
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £276,519 made up of the loan amount plus interest (£150,520) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Leeds Fixed to 30/06/29
?
Monthly repayment
£705
Initial rate
?
4.64%
Total fees
?
£999
APRC
?
7.1%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 2% until 30/06/29
Other info
Annual cost £8,657
Exit fee £199
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,119 made up of the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Nationwide Fixed for 3 years
?
Monthly repayment
£705
Initial rate
?
4.64%
Total fees
?
£798
APRC
?
7.3%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3.5% reducing to 1.5% for 3 years
Other info
Annual cost £8,723
Exit fee £65
Estimated legals £299
Cashback £500
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.64% and then on a variable rate of 7.99% for the remaining 22 years would require 36 payments of £704 and 264 payments of £938. The total amount payable would be £273,774 made up of the loan amount plus interest (£147,976) and fees (£798). The overall cost for comparison is 7.3% APRC representative.
Santander Fixed to 02/09/26
?
Monthly repayment
£705
Initial rate
?
4.65%
Total fees
?
£1,048
APRC
?
7.1%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 2% reducing to 1% until 02/09/26
Other info
Annual cost £8,990
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.65% and then on a variable rate of 7.50% for the remaining 23 years would require 24 payments of £705 and 276 payments of £909. The total amount payable would be £268,852 made up of the loan amount plus interest (£142,804) and fees (£1,048). The overall cost for comparison is 7.1% APRC representative.
Halifax Fixed to 30/09/27
?
Monthly repayment
£707
Initial rate
?
4.67%
Total fees
?
£999
APRC
?
7.9%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3% reducing to 1% until 30/09/27
Other info
Annual cost £8,816
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.67% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £706 and 264 payments of £994. The total amount payable would be £288,831 made up of the loan amount plus interest (£162,832) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Cumberland Fixed to 01/07/29
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£0
APRC
?
7.1%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 01/07/29
Other info
Annual cost £8,491
Exit fee £125
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £707 and 240 payments of £937. The total amount payable would be £267,300 made up of the loan amount plus interest (£142,300) and fees (£0). The overall cost for comparison is 7.1% APRC representative.
Santander Fixed to 02/09/27
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£1,048
APRC
?
7.0%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 2% reducing to 1% until 02/09/27
Other info
Annual cost £8,841
Exit fee £225
Estimated legals £299
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.68% and then on a variable rate of 7.50% for the remaining 22 years would require 36 payments of £707 and 264 payments of £902. The total amount payable would be £264,628 made up of the loan amount plus interest (£138,580) and fees (£1,048). The overall cost for comparison is 7.0% APRC representative.
Co-Op Fixed to 31/08/27
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£749
APRC
?
7.5%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge: 3% reducing to 1% until 31/08/27
Other info
Annual cost £8,741
Exit fee £50
Estimated legals £0
Cashback £250
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.68% and then on a variable rate of 8.12% for the remaining 22 years would require 36 payments of £707 and 264 payments of £948. The total amount payable would be £276,473 made up of the loan amount plus interest (£150,724) and fees (£749). The overall cost for comparison is 7.5% APRC representative.
HSBC Fixed to 31/07/27
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£999
APRC
?
6.5%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 3% reducing to 1% until 31/07/27
Other info
Annual cost £8,824
Exit fee £0
Estimated legals £0
Cashback £0
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.68% and then on a variable rate of 6.99% for the remaining 22 years would require 36 payments of £707 and 264 payments of £865. The total amount payable would be £254,811 made up of the loan amount plus interest (£128,812) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
HSBC Fixed to 31/07/29
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£998
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/07/29
Other info
Annual cost £8,691
Exit fee £0
Estimated legals £299
Cashback £300
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £707 and 240 payments of £853. The total amount payable would be £248,138 made up of the loan amount plus interest (£122,140) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
HSBC Fixed to 31/07/29
?
Monthly repayment
£708
Initial rate
?
4.68%
Total fees
?
£998
APRC
?
6.2%
Early Repayment Charges apply
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge: 5% reducing to 1% until 31/07/29
Other info
Annual cost £8,691
Exit fee £0
Estimated legals £299
Cashback £300
Representative example
A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £707 and 240 payments of £853. The total amount payable would be £248,138 made up of the loan amount plus interest (£122,140) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
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When compiling our remortgage best buy tables we compare the best remortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best remortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

By choosing L&C to find your next remortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to help you compare the best remortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the remortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage to a better deal.

After using L&C for their remortgage or another financial product, 93% of L&C customers would recommend us based on 1466 Reviews.co.uk respondents. Read our reviews

Updated 26 April 2024

Discover the best remortgage rates

Our remortgage best buy tables compare the best remortgage rates from across the UK market, including any deals that are exclusive to us. It's important to remember that the best remortgages are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated with setting up your new mortgage deal.

By choosing L&C to find your next remortgage deal, our advisers will research the market for you, looking at criteria, set up fees and the interest rate to help you compare remortgage offers based on your circumstances, saving you time and effort. Our best buy tables above show you the remortgage deals currently available, both fixed rates and variable rates, as well as those with special features such as offset .

Remember, the best remortgage rates change all the time, so it’s important to have accurate, recent information at hand to make your decision. The best remortgage deals will depend on your unique circumstances and what you’re eligible for, get in touch with us today and we can help you find the right option.


Do you get a better rate when you remortgage?

The UK mortgage market is highly competitive, with deals changing on a regular basis. That’s good news for those looking to remortgage as there’s often a good deal waiting if you look for it.

That said, there are always a few important factors to consider when it comes to whether you’ll be able to get a good remortgage offer or not.

Things that will increase your chances of finding a better deal include:

  • Your property value has increased. Rising house prices lead to a lower loan to value (LTV), potentially meaning lower rates and a better deal.
  • You’ve paid off a substantial portion of your loan. This also means you’ll have a lower LTV and may be able to access new, better mortgage deals.

On the other hand, there are certain factors that may reduce your ability to get a better remortgage deal. These include:

  • Your home has reduced in value. This will raise your LTV, meaning you might have less choice when it comes to remortgaging.
  • Your credit score is low. Lenders may regard you as higher risk, increasing the interest rate they charge and the overall cost accordingly.

The best way to get a good remortgage deal is always to shop around with the help of a knowledgeable adviser, who can guide you based on your specific needs and circumstances and provide sound guidance when it comes to fees and overall costs, as these can vary a lot from deal to deal.

To improve your chances of getting a good remortgage deal, you could; work towards improving your credit score, try to pay down your debt quickly to reduce your LTV, and make sure to always compare remortgage rates.

If you’d like to understand more about what options are available to you or find out about the different costs that might be involved, we can help.


How much could you save by switching to a better deal?

The amount you can save by remortgaging will vary depending on the size of your mortgage, your mortgage term, and whether your new rate is lower than your old one.

Savings are likely to be biggest if you're moving from your lender's standard variable rate (SVR) to a new deal and these savings could potentially be hundreds or even thousands of pounds a year.

For example, saving 2% on a £150,000, 25-year repayment mortgage would cut the monthly payments by about £160 a month or nearly £2,000 over a year.


What remortgage deal should you get?

There are lots of different types of remortgage deals to choose from, so it's important to get to grips with how they all work.

A good remortgage deal will depend on what your current circumstances are. It could be that you are after something that will offer you a lower interest rate than you’re currently paying, or a fixed rate to give you stability of monthly payments, or if your mortgage balance is lower it could be a deal with low or no setup fees.

Here, we look at the main remortgage options, and why you might want to consider each one.

Fixed rate remortgages

A fixed rate remortgage, as the name suggests, enables you to lock into a fixed rate for a set period of time. This is typically either two, three or five years, but can be ten or more years. There will usually be an Early Repayment Charge if you want to pay off or switch your mortgage during the fixed rate period.

Ideal if you want to... fix your mortgage payments for a certain period so you'll have peace of mind that your monthly mortgage payments won't change if interest rates rise.

Tracker remortgages

A tracker remortgage usually tracks the Bank of England base rate, plus a set percentage. Homeowners with tracker mortgages benefit when interest rates are falling, as their mortgage rate and monthly payments reduce when the base rate does. However, when the base rate increases, their mortgage rate also goes up, meaning steeper monthly payments.

Ideal if you want to... benefit from a low remortgage rate now, and are comfortable that your monthly payments may fluctuate over time.

Capped rate remortgages

If you choose a capped rate remortgage deal, your mortgage rate can go up or down over time, but it will never go above a certain limit. It's worth noting however that capped rate mortgages are rarely available at the moment.

Ideal if you want to... benefit from lower rates if interest rates fall, but don't want your payments to exceed a particular amount if they move in the other direction.

Discount remortgages

With a discount remortgage, the lender will typically offer you a discount off their standard variable rate (SVR) for a specified period of time. This means that during the discount period, typically 2 to 5 years, you'll pay a rate that is always lower than the SVR and will benefit if interest rates fall and the lender passes on this cut by reducing the SVR. You must, however, be prepared for higher payments if interest rates rise and your lender increases their SVR.

Ideal if you want to... benefit from lower rates if interest rates are cut, although your lender doesn't have to move its SVR down if this does happen.

Offset remortgages

An offset mortgage allows you to offset any savings you have against the amount you're borrowing, so reducing the amount of interest you pay. This can help you to pay off your mortgage sooner. Bear in mind though, that offset remortgage rates tend to be slightly higher than standard mortgage rates.

Ideal if you want to... keep your savings readily accessible but use them to help keep mortgage interest costs to a minimum.


Compare remortgage deals

Ready to start your remortgage? You can compare remortgage deals with our online Mortgage Finder tool. Don't forget, if at any point you want to chat anything through with one of our advisers, you can call us on 0808 292 0922.

Remortgage FAQs

Am I eligible to remortgage?

To be eligible to remortgage, you'll need to have at least 5% equity in your home. The more equity you have, the more likely it is that you'll be able to access the best deals.

You'll also need a good credit score and must be able to demonstrate to your new lender that you'll be able to keep up with your repayments.

Your monthly income will also be a key factor that lenders will look at, along with any debts you might have. If, for example, you have lots of other outstanding loans and credit card debts, they may limit the amount you can borrow.

You can see which deals you’re eligible for and get started on your remortgage easily in 5 minutes using our online Mortgage Finder.

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Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
London & Country Mortgages Ltd, Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath, BA2 3GZ is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.
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