Compare Remortgages

Remortgages

		Mortgage Type Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Tracker: The interest rate rises and falls with the Bank of England base rate. Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR). 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. Buy to Let: For landlords purchasing a property for letting.	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 The interest rate that your mortgage will revert to after any introductory rates have finished.	APR This is the mortgage’s Annual Percentage Rate: the interest rate that you will be charged on your mortgage including all charges such as arrangement fees (also referred to as Cost For Comparison).	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.
	HSBC 2yr 1.95% Discount LTV 60% Special Direct [Show Details]	Discount	1.99%	24	3.94%	3.80%	60%	£1499	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 4283
	Santander UK plc 2yr BBR + 1.59% Tracker R/M LTV 60% Direct [Show Details]	Tracker	2.09%	24 months	4.24%	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: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	HSBC 2yr 2.24% Fixed LTV 60% Special Direct [Show Details]	Fixed	2.24%	31/05/2014	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 4283
	Santander UK plc 2yr 2.35% Fixed LTV 60% Direct [Show Details]	Fixed	2.35%	02/04/2014	4.24%	4.10%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £350000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 032 4610
	NatWest 2yr BBR+1.85% LTV 60% Dir AdPt/Bus Ex/C no-ERC [Show Details]	Tracker	2.35%	31/03/2014	4.00%	4.00%	60%	£1499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr BBR+1.85% LTV 60% "Black Account" Ex/C No ERC [Show Details]	Tracker	2.35%	31/03/2014	4.00%	4.00%	60%	£1499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Chelsea Building Society 2yr BBR + 1.89% LTV 70% Direct [Show Details]	Tracker	2.39%	31/03/2014	5.79%	5.40%	70%	£1495	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
	HSBC Lifetime BBR + 1.89% LTV 60% Special Direct [Show Details]	Tracker	2.39%	term	n/a	2.50%	60%	£999	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 4283
	NatWest 2yr BBR + 1.95% LTV 60% Direct [Show Details]	Tracker	2.45%	31/03/2014	4.00%	4.00%	60%	£999	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
	Royal Bank of Scotland 2yr BBR + 1.95% Tracker LTV 60% [Show Details]	Tracker	2.45%	31/03/2014	4.00%	4.00%	60%	£999	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 068 7678
	HSBC Lifetime BBR + 1.99% LTV 60% Special Direct [Show Details]	Tracker	2.49%	term	n/a	2.50%	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% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Chelsea Building Society 2yr BBR + 2.09% Offset Tracker LTV 70% Direct [Show Details]	Tracker	2.59%	31/03/2014	5.79%	5.50%	70%	£1495	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
	Chelsea Building Society 2yr BBR + 2.09% LTV 70% Direct [Show Details]	Tracker	2.59%	31/03/2014	5.79%	5.40%	70%	£395	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
	HSBC Lifetime BBR + 2.09% LTV 70% Direct [Show Details]	Tracker	2.59%	term	n/a	2.70%	70%	£599	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 077 4283
	HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Adv Dir [Show Details]	Tracker	2.59%	term	n/a	2.70%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Prem Dir [Show Details]	Tracker	2.59%	term	n/a	2.70%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	Chelsea Building Society 2yr 2.79% Fixed LTV 70% Direct [Show Details]	Fixed	2.79%	31/03/2014	5.79%	5.50%	70%	£1895	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: yes Homemover: yes Remortgage: yes
	Chelsea Building Society 2yr BBR + 2.29% Offset Tracker LTV 70% Direct [Show Details]	Tracker	2.79%	31/03/2014	5.79%	5.40%	70%	£395	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
	NatWest 2yr 2.85% Fxd R/M LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.00%	60%	£999	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: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 2.85% Fxd R/M LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.00%	60%	£999	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: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	NatWest 2yr BBR + 2.35% LTV 60% Direct Fee Free [Show Details]	Tracker	2.85%	31/03/2014	4.00%	4.00%	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% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.35% Tracker LTV 60% No Fee [Show Details]	Tracker	2.85%	31/03/2014	4.00%	4.00%	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% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 2.89% Fxd R/M LTV 60% "Main A/C" Ex/C Dir [Show Details]	Fixed	2.89%	31/03/2014	4.00%	3.90%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	HSBC Lifetime BBR + 2.39% LTV 70% Direct [Show Details]	Tracker	2.89%	term	n/a	2.90%	70%	No Fee	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 077 4283
	NatWest 2yr BBR + 2.39% LTV 75% Direct [Show Details]	Tracker	2.89%	31/03/2014	4.00%	4.00%	75%	£999	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 Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.39% Tracker LTV 75% [Show Details]	Tracker	2.89%	31/03/2014	4.00%	4.00%	75%	£999	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 Call Direct 0800 068 7678
	Chelsea Building Society 2yr 2.94% Fixed LTV 70% Direct [Show Details]	Fixed	2.94%	31/03/2014	5.79%	5.50%	70%	£395	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: yes Homemover: yes Remortgage: yes
	Chelsea Building Society 3yr 2.94% Fixed LTV 70% Direct [Show Details]	Fixed	2.94%	31/03/2015	5.79%	5.30%	70%	£1895	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: yes Homemover: yes Remortgage: yes
	Chelsea Building Society Flexi 2yr 2.99% Fixed Offset LTV 70% Direct [Show Details]	Fixed	2.99%	31/03/2014	5.79%	5.50%	70%	£1895	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: yes Homemover: yes Remortgage: yes
	HSBC 2yr 2.99% Fixed LTV 70% Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£599	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: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	HSBC 2yr 2.99% Fxd LTV 70% Ex/C Advanced Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC 2yr 2.99% Fxd LTV 70% Ex/C Premier Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC Lifetime BBR + 2.49% LTV 80% Direct [Show Details]	Tracker	2.99%	term	n/a	3.10%	80%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	HSBC Lifetime BBR + 2.49% LTV 80% Ex/C Adv Dir [Show Details]	Tracker	2.99%	term	n/a	3.10%	80%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC Lifetime BBR + 2.49% LTV 80% Ex/C Prem Dir [Show Details]	Tracker	2.99%	term	n/a	3.10%	80%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	Santander UK plc 2yr BBR + 2.54% Tracker R/M C/B LTV 60% Direct [Show Details]	Tracker	3.04%	24 months	4.24%	4.10%	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: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 2.54% Tracker R/M LTV 60% Direct [Show Details]	Tracker	3.04%	24 months	4.24%	4.10%	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: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Post Office Ltd 2yr BBR + 2.55% Tracker LTV 75% [Show Details]	Tracker	3.05%	31/12/2013	3.99%	4.00%	75%	£995	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 Call Direct 0121 270 3556
	NatWest 2yr 3.09% Fxd R/M LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£999	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 Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 3.09% Fxd R/M LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£999	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 Call Direct 0800 068 7678
	Woolwich (Barclays) Openplan 2yr 3.09% Fixed BBR R/M C/B Ex/C LTV 60% [Show Details]	Fixed	3.09%	28/02/2014	3.89%	3.90%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
	Woolwich (Barclays) Openplan FM 2yr 3.09% Fixed BBR LTV 60% [Show Details]	Fixed	3.09%	28/02/2014	3.89%	3.90%	60%	£999	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 Call Direct 0845 070 1569
	Chelsea Building Society 3yr 3.14% Fixed LTV 70% Direct [Show Details]	Fixed	3.14%	31/03/2015	5.79%	5.30%	70%	£395	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: yes Homemover: yes Remortgage: yes
	Chelsea Building Society Flexi 2yr 3.14% Fixed Offset LTV 70% Direct [Show Details]	Fixed	3.14%	31/03/2014	5.79%	5.50%	70%	£395	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: yes Homemover: yes Remortgage: yes
	Chelsea Building Society 2yr BBR + 2.64% LTV 85% Direct [Show Details]	Tracker	3.14%	31/03/2014	5.79%	5.60%	85%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 15% First time buyer: yes Homemover: yes Remortgage: yes
	NatWest 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	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% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	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% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Chelsea Building Society 5yr 3.19% Fixed LTV 70% Direct [Show Details]	Fixed	3.19%	31/03/2017	5.79%	4.90%	70%	£1495	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: yes Homemover: yes Remortgage: yes
	Santander UK plc 2yr 3.19% Fixed R/M C/B LTV 60% Direct [Show Details]	Fixed	3.19%	02/04/2014	4.24%	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 0800 032 4610
	Santander UK plc 2yr 3.19% Fixed R/M LTV 60% Direct [Show Details]	Fixed	3.19%	02/04/2014	4.24%	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 0800 032 4610
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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