Compare Remortgage Deals

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Glossary of Terms		Company / Product	Remortgage	Mortgage Type	Initial Rate		Final Rate	Mortgage APR	Max LTV	More Info	Proceed
		Company			APR	End Date
Promoted Results
		Santander		varies	from2.49%	up to02 May 2015	from3.25%	from3.4%	up to90%
		Post Office		varies	from2.99%	up to31 Mar 2015	from2.49%	from2.8%	up to80%
		The One Account		varies	from3.65%	term	from3.65%	from3.7%	up to75%
Full Results
		Woolwich		varies	from1.98%	up to02 May 2015	from2.49%	from2.7%	up to80%
		Chorley & District Building Society		varies	from2.00%	up to24months	from3.99%	from4.2%	up to90%
		HSBC		varies	from2.29%	up to31 Mar 2015	from2.49%	from2.6%	up to75%
		First Direct		varies	from2.39%	up to36months	from2.58%	from2.5%	up to80%
		Santander		varies	from2.49%	up to02 May 2015	from3.25%	from3.4%	up to90%
		Yorkshire BS		varies	from2.49%	up to28 Feb 2020	4.99%	from4.7%	up to85%
		ING Direct		varies	from2.54%	up to28 Feb 2015	from2.89%	from3%	up to75%
			Product fee includes a £195 booking fee payable on application.
		Earl Shilton		varies	from2.65%	up to60months	from4.05%	from4%	75%
		Leek United		varies	from2.69%	up to60months	5.19%	from4.9%	up to85%
		Principality Building Society		varies	from2.69%	up to31 Mar 2020	4.99%	from4.9%	up to85%
		Coventry Building Society		varies	from2.69%	up to31 Mar 2015	from2.99%	from3.1%	up to80%
		Northern Rock		varies	from2.75%	up to01 Apr 2015	4.79%	from4.5%	up to85%
			Various restrictions apply to all matching products.
		Dunfermline Building Society		varies	from2.79%	24months	5.19%	from5.1%	up to85%
		Halifax		varies	from2.79%	up to31 Mar 2015	from3.5%	from3.5%	up to90%
			Various restrictions apply to all matching products.
		Barnsley Building Society		varies	from2.79%	up to31 Jan 2020	4.99%	from4.8%	up to85%
		Bank of China		varies	from2.80%	term	from2.8%	fromPending	up to75%
		Cambridge Building Society		varies	from2.89%	up to16 Dec 2014	from4.59%	from4.6%	up to90%
		Scottish Widows		varies	from2.89%	up to31 Mar 2012	from3.99%	from3.9%	up to90%
		Market Harborough Building Society		varies	from2.95%	up to300months	from3.99%	from4%	75%
		Post Office		varies	from2.99%	up to31 Mar 2015	from2.49%	from2.8%	up to80%
		Edit Selected Products Remove All Products
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Remortgage Guide

The possible benefits of remortgaging explained along with the potential costs you'll need to take into consideration.

Remortgaging is the act of moving your mortgage to a new lender or changing to a new mortgage with your current lender, without moving home.

The full range of mortgage types are available for remortgaging, including variable, fixed rate, discount, capped and flexible mortgages. Those mortgages targetted at the first time buyer will not be available to those wanting to remortgage.

A common reason for remortgaging is to take advantage of the fierce competition in the mortgage market and obtain a more competitive interest rate. Mortgage lenders are so keen to get your business that they will often offer deals that result in them losing money in the short term just to get you on board as a new customer. They then aim to make a profit from you over the long term.

Some of the more common reasons for remortging include:

• to get a better mortgage rate in order to reduce monthly outgoings
• to consolidate debt, such as outstanding credit card balances
• to meet home improvement costs, such as a new extension
• to finance a business loan

Before you decide whether a remortgage is the right way forward, you should take into account a number of potential costs that you may incur as a result of remortging.

• Legal Fees
• Valuation Fees
• Arrangement Fees
• Solicitor Fees
• Early Redemption Penalties
• Mortgage Indemnity Guarantee

The good news is that no stamp duty is payable on remortgages.

NB This information is provided to give you an overview of the different types of mortgages available. It is not comprehensive and you should not base your mortgage decision on the information found here. We recommend you seek professional advice in order to determine the most suitable mortgage for you.

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