Compare Remortgages

Remortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	Chelsea Building Society 2yr 1.74% Fixed LTV 60% Direct + More Details	Fixed	1.74%	31/07/2015	5.79%	5.20%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.74% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr 1.74% Fxd LTV 60% Direct + More Details	Fixed	1.74%	31/10/2015	4.00%	4.00%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 1.74% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.19% Discount LTV 60% Special Direct + More Details	Discount	1.75%	24	3.94%	3.80%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 1.75% Initial Term 24 months Rate Discount Term 24 months Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Discount Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 1.79% Fixed LTV 60% Direct - High Fee + More Details	Fixed	1.79%	30/06/2015	4.99%	4.60%	60%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.79% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 1.89% Fixed LTV 60% Special Direct + More Details	Fixed	1.89%	31/08/2015	3.94%	3.80%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 1.89% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 1.89% Fixed LTV 60% Direct + More Details	Fixed	1.89%	30/06/2015	4.99%	4.60%	60%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.89% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 1.94% Fixed Offset LTV 60% Direct + More Details	Fixed	1.94%	31/07/2015	5.79%	5.20%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.94% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.20% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 1.99% Fixed LTV 60% Direct + More Details	Fixed	1.99%	31/07/2016	5.79%	4.90%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.99% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 1.99% Fxd Offset LTV 60% Dir - High Fee + More Details	Fixed	1.99%	30/06/2015	4.99%	4.60%	60%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.99% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.09% Fixed Offset LTV 60% Direct + More Details	Fixed	2.09%	30/06/2015	4.99%	4.60%	60%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.09% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 2.19% Fixed Offset LTV 60% Direct + More Details	Fixed	2.19%	31/07/2016	5.79%	5.00%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.19% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.19% Fixed R/M LTV 60% Direct + More Details	Fixed	2.19%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr BBR + 1.69% LTV 60% Direct + More Details	Tracker	2.19%	31/10/2015	4.00%	3.80%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.19% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr BBR + 1.69% LTV 60% Direct + More Details	Tracker	2.19%	31/10/2015	4.00%	3.80%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.19% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society 2yr 2.24% Fixed LTV 75% Direct + More Details	Fixed	2.24%	31/07/2015	5.79%	5.30%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.24% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 1.74% LTV 75% Direct + More Details	Tracker	2.24%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.24% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	HSBC Lifetime BBR + 1.78% LTV 60% Special Direct + More Details	Tracker	2.28%	term	n/a	2.40%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.28% Initial Term term Final Rate n/a Overall Cost for Comparison 2.40% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Santander UK plc 2yr 2.29% Fixed R/M C/B LTV 60% + More Details	Fixed	2.29%	02/07/2015	4.74%	4.30%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.29% Fixed LTV 75% Direct + More Details	Fixed	2.29%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.29% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr 2.34% Fxd LTV 70% Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	3.80%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr 2.34% Fxd LTV 70% Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	3.80%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Post Office Ltd 2yr 2.35% Fixed BBR LTV 60% + More Details	Fixed	2.35%	31/05/2015	4.49%	4.30%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.35% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 1.55% Discount LTV 60% Special Direct + More Details	Discount	2.39%	24	3.94%	3.80%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.39% Initial Term 24 months Rate Discount Term 24 months Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Discount Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M C/B LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.39% Fixed R/M Offset LTV 60% Direct + More Details	Fixed	2.39%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 2.44% Fixed LTV 75% Direct + More Details	Fixed	2.44%	31/07/2016	5.79%	5.00%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.44% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 2.44% Fixed Offset LTV 75% Direct + More Details	Fixed	2.44%	31/07/2015	5.79%	5.30%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.44% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr 2.44% Fixed R/M C/B LTV 70% + More Details	Fixed	2.44%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.44% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Rollover 1yr 2.44% Fixed R/M LTV 35% Direct + More Details	Fixed	2.44%	30/06/2014	4.99%	4.90%	35%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 65% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 65% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.44% Initial Term 30/06/2014 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr BBR + 1.94% R/M C/B LTV 70% + More Details	Tracker	2.44%	24 months	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership yes Initial Rate 2.44% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society 2yr BBR + 1.94% Offset LTV 75% Direct + More Details	Tracker	2.44%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership no Initial Rate 2.44% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset offset Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 3yr 2.45% Fixed BBR LTV 60% + More Details	Fixed	2.45%	31/05/2016	4.49%	4.20%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 2.45% Initial Term 31/05/2016 Final Rate 4.49% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 5yr 2.49% Fixed LTV 60% Special Direct + More Details	Fixed	2.49%	31/08/2018	3.94%	3.60%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £250000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £250000 Shared Ownership yes Initial Rate 2.49% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.49% Fixed Offset LTV 75% Direct + More Details	Fixed	2.49%	30/06/2015	4.99%	4.70%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.49% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 2.49% Fixed LTV 75% Direct + More Details	Fixed	2.49%	30/06/2016	4.99%	4.40%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.49% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr BBR + 1.99% R/M LTV 75% Direct + More Details	Tracker	2.49%	31/07/2015	5.79%	5.30%	75%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers This product is not available to first time buyers. Available for Home Movers This product is not available for house purchase. Minimum Deposit 25% Shared Ownership no Initial Rate 2.49% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 2.54% Fixed R/M LTV 75% Direct + More Details	Fixed	2.54%	31/07/2015	5.79%	5.30%	75%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.54% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Rollover 1yr 2.54% Fxd C/B R/M LTV 35% Branch + More Details	Fixed	2.54%	30/06/2014	4.99%	4.90%	35%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 65% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 65% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.54% Initial Term 30/06/2014 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr 2.55% Fixed BBR LTV 75% + More Details	Fixed	2.55%	31/05/2015	4.49%	4.30%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.55% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.59% Fixed LTV 60% Fee Free Special + More Details	Fixed	2.59%	31/08/2015	3.94%	3.80%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 2.59% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	NatWest 5yr 2.59% Fxd LTV 60% Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	3.80%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 5yr 2.59% Fxd LTV 60% Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	3.80%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.59% Fixed R/M C/B LTV 70% + More Details	Fixed	2.59%	02/07/2016	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.59% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.59% Fixed R/M LTV 70% + More Details	Fixed	2.59%	02/07/2016	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.59% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 5yr 2.59% Fixed LTV 60% Direct + More Details	Fixed	2.59%	30/06/2018	4.99%	4.10%	60%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.59% Initial Term 30/06/2018 Final Rate 4.99% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society 2yr BBR + 2.09% R/M LTV 75% Direct + More Details	Tracker	2.59%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership no Initial Rate 2.59% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 5yr 2.63% Fixed BBR LTV 60% + More Details	Fixed	2.63%	31/05/2018	4.49%	3.90%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 2.63% Initial Term 31/05/2018 Final Rate 4.49% Overall Cost for Comparison 3.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society Flexi 3yr 2.64% Fixed Offset LTV 75% Direct + More Details	Fixed	2.64%	31/07/2016	5.79%	5.10%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.64% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.10% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.64% Fixed R/M LTV 75% Direct + More Details	Fixed	2.64%	30/06/2015	4.99%	4.70%	75%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.64% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Remortgages

When you move your mortgage from one lender to another, or you agree a new deal with your existing bank, it's known as a remortgage.

There are all sorts of reasons why you might want to do this. Most common will be that the initial fixed or tracker period that you agree for your mortgage has come to an end and you want to find a better deal than the standard variable rate you revert to.

Other reasons for remortgaging might be to consolidate debt, carry out home improvements or pay education fees. You are able to do this as you are releasing the equity in your home - the difference between its value and what's left on your mortgage to pay.

If you are in a locked-in fixed deal with a number of years to run you can still remortgage with another bank but you will usually face hefty penalty fees for breaking the agreement early. However, it could still work out profitably if you can find a good enough deal. If you are on a variable rate deal you can usually remortgage freely.

Banks offer special deals for remortgaging - taking your business away from a competitor is something lenders are very amiable to and they will often offer great rates and low arrangement fees to entice you to jump ship.

Remember though, if you let you current bank know you're thinking of leaving, they may entice you to stay. Click here to find out more with Know Your Money's guide to remortgaging.

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