Representative Example: £150,000 mortgage over 25 years initially at 2.19% variable for 36 months reverting to 5.39% variable for term. 36 monthly payments of £649.75 and 264 monthly payments of £880.76. Total amount payable £256,581.64 includes loan amount, interest of £105,912, valuation fees of £395 and product fees of £0. The overall cost for comparison is 4.7% APRC representative.
Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts.
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Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF
YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from
individual lenders. Loans are subject to status and valuation and are not available to
persons under the age of 18. All rates are subject to change without notice. Please
check all rates and terms with your lender or financial adviser before undertaking
To remortgage your house basically means to change your existing mortgage for a new one, without moving to a new home. You might want to remortgage for added security, if you think a better rate is available which will save you money on repayments; or to raise capital to pay for a home improvements such as a new kitchen, extension or a conservatory, or you may have reached the end of a fixed rate mortgage.
Remortgaging deals can be expensive, so be sure to shop around. Many lenders offer free valuation and legal fees, but this may be at the expense of a higher interest rate.
You can compare the cheapest remortgage rates in this Best Buy remortgage table, which shows a selection of the best fixed rate remortgage, discount rate and tracker deals.
When you look at our best buys, you will see that we have selected products from across different loan-to-value tiers in order to give a wide overview of what’s available.
Once you've decided on the remortgage you want, use our handy remortgage calculator to work out how much your monthly repayments will be.
If you can’t find a product that’s right for you don’t worry – you can use our quick and easy mortgage finder to access a more comprehensive list of mortgages.
If you can’t find a remortgage product that’s right for you, don’t worry – speak to an expert Mortgage Adviser.
We've launched the Moneyfacts Mortgage Sevice in partnership with Premier Financial Group to help with your decision. To talk to a remortgage broker, simply ‘Request callback’
and someone will be in touch shortly.
If you have experienced bad or adverse credit or have had an IVA and are looking to remortgage we strongly advise you to contact a specialist remortgage broker to assist you with your choice.
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Mortgage repayment calculatorWork out how much your mortgage repayments will be.
How much can I borrow calculator?Work out what your monthly mortgage payments are likely to be based on how much you want to borrow over the mortgage term.
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