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Second charge mortgages are secured loans taken out against the equity available in your current home.
This guide explains when it might be the right time to remortgage.
Many DV remortgages are ‘collared’ meaning that the rate you pay will not drop below a certain level. The best deal can often be thought of as the one offering the lowest interest rate, but as we’ll see, this isn’t the only factor to consider.
If you’ve decided that a discounted variable remortgage is right for you, then it’s time to find the best deals using our comparison tables. Our chart instantly presents you with the top deals available, or for a more personalised view, simply put in the required details and we’ll show you a fantastic range of products from the whole of the market. Using our tables is easy: at the top you’ll find some great deals from providers where you can find out more or apply directly on their website, simply by clicking on the ‘Go To Provider’s Site’ button. Below these are the other deals available, ordered with the lowest interest rate first and increasing as you go down the list.
Selecting the best discounted variable remortgage isn’t a matter of just picking the one with the lowest rate. Be careful to check if a particular mortgage is ‘collared’ and, if so, at what rate? Is there an upper limit to what you could be paying? You’ll also need to consider what, if any, product fees you’ll have to pay upfront and whether there are any additional benefits being offered by the provider (such as free legal or valuation fees, cashback or payment holidays), all of which can influence your choice and can ensure you find the right deal for your needs.
Before you apply for a mortgage it's important to check your credit score.