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Remortgages
Compare a range of rates from the UK's top lenders and find the best remortgage deal for you. Simply call choose a provider using the numbers below for the latest rates.
Search Mortgages
Editors Choice - NatWest Mortgages - Call 0800 158 2940
NatWest offer a comprehensive range of fixed, tracker, off-set and buy-to-let mortgages. Call NatWest on 0800 158 2940 to discuss (Lines open Mon-Fri 8am-8pm & Sat 9am-4pm)
Remortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
 |
HSBC 2 Year Fixed Rate Mortgage
|
2.64%
Fixed for 2 Years
|
3.94% (variable)
|
3.90%
|
60%
|
£1,999
|
Call HSBC 0800 077 4255 Apply > |
 |
NatWest 2 Year Fixed Rate Remortgage
|
2.95%
Fixed for 2 Years
|
4% (variable)
|
4.00%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
HSBC Lifetime Tracker Mortgage
|
2.99% (variable)
Tracks at 2.19% above Bank of England base rate for Life
|
N/A
|
3.10%
|
70%
|
£599
|
Call HSBC 0800 077 4255 Apply > |
 |
Post Office 2 Year Tracker
|
3.09% (variable)
2.59% above the Bank of England Base Rate for 2 Years
|
4.49% (variable)
|
4.40%
|
75%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.09%
Fixed for 2 Years
|
4.49% (variable)
|
4.40%
|
75%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
NatWest 2 Year Tracker Remortgage
|
3.09% (variable)
2.09% above NatWest base rate for 24 months
|
4% (variable)
|
3.90%
|
60%
|
No Application Fee
|
Call NatWest 0800 158 2940 Apply > |
|
|
HSBC Lifetime Tracker Mortgage
|
3.29% (variable)
Tracks at 2.79% above Bank of England base rate for Life
|
N/A
|
3.30%
|
70%
|
No Application Fee
|
Call HSBC 0800 077 4255 Apply > |
|
|
NatWest 2 Year Fixed Rate Remortgage
|
3.35%
Fixed for 2 Years
|
4% (variable)
|
4.00%
|
60%
|
No Application Fee
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.49%
Fixed for 2 Years
|
4.49% (variable)
|
4.50%
|
80%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
NatWest 2 Year Fixed Rate Remortgage
|
3.59%
Fixed for 2 Years
|
4% (variable)
|
4.10%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 3 Year Fixed Rate Mortgage
|
3.69%
Fixed for 3 Years
|
4.49% (variable)
|
4.40%
|
80%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.79%
Fixed for 2 Years
|
4.49% (variable)
|
4.50%
|
85%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 2 Year Tracker
|
3.79% (variable)
3.99% above the Bank of England Base Rate for 2 Years
|
4.49% (variable)
|
4.50%
|
85%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
NatWest 5 Year Fixed Rate Remortgage
|
3.99%
Fixed for 5 Years
|
4% (variable)
|
4.20%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
NatWest 5 Year Fixed Rate Remortgage
|
4.99%
Fixed for 5 Years
|
4% (variable)
|
4.60%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.
The telephone-based mortgage advice service is provided by London & Country Mortgages Ltd., Beazer House, Lower Bristol Road, Bath, BA2 3BA. London & Country Mortgages Ltd are authorised and regulated by the Financial Services Authority. Their FSA number is 143002.
Remortgages - What You Need To Know
Getting a remortgage basically means that you are changing the mortgage that you already have, without moving to another abode.
This opens up the possibility to raise additional funds or acquire a mortgage with benefits that your current loan doesn’t have such as lower or fixed monthly repayments. All of which can be extremely useful.
Remortgages are split in much the same way as regular mortgages, with both fixed rate and tracker options available.
Fixed rate remortgages are where you make your repayments at a guaranteed rate for a set period of time during the life of your remortgage.
Tracker remortgages however will have a fluctuating rate of interest repayment as they are tethered to either the Bank of England’s base rate or to the lender’s Standard Variable Rate. This means that whenever the base rate changes, the repayment value will change in accordance to this.
Important points
One thing that is essential to take into account when searching for a remortgage is the associated fees that will come with an account. These could raise the price you pay dramatically through arrangement, valuation or legal fees. Any of these could provide an unwanted hike in the price you have to pay for your chosen remortgage.
It is also important to make sure that you meet the criteria for the loan. This is usually dealt with using the loan-to-value section of any mortgage. This simply means the proportion of your home's value that you need to borrow. This means that if you only have 10% equity, you will not be able to apply for one with a 50% loan-to-value deal.
The best way to compare remortgages is to look at the interest rates on offer from the different lenders whilst making a note of any fees that are included in the cost and that you are eligible for the mortgage.
As always, we recommend that you seek professional advice if you are unsure which type of mortgage is right for you and that all of the information provided above is for use as an overview only and should not be the basis for your mortgage decision.
Latest Remortgage News 
-
A growing number of people are opting to remortgage their home. A growing number of people are opting to remortgage their property as banks and ...Wed 13th Jul, 2011 -
A lender has launched a new remortgage deal. Homeowners considering the possibility of taking out a remortgage option on their residential ...Fri 8th Apr, 2011 -
Nationwide has reduced rates on some of its remortgage deals. Anyone looking for a home credit deal in the near future might be interested to ...Mon 23rd Aug, 2010 -
New figures show that the proportion of remortgage business in the home credit market fell in the first quarter of the year. New research ...Thu 10th Jun, 2010 -
Increasing numbers of homeowners are remortgaging their property. Remortgage activity continues to rebound.The rise in such lending seen during ...Thu 11th Mar, 2010 -
The popularity of tracker deals is in decline, new Santander research shows. Significant numbers of Britons are set to remortgage their home over ...Fri 22nd Jan, 2010
