Top 10 Remortgage Deals

Compare top 10 remortgage deals

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.19%Reverts to 3.75% after 2 years


Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Looking for the top 10 remortgage deals? With our FREE online remortgage comparison tables you can quickly and easily compare over 5,000 of the latest remortgage deals from a wide selection of different providers, to help you find the most competitive rate for your circumstances. Or call our independent mortgage team on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.12%

Reverts to 4.24%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Tracker

1.25%

Reverts to 4.54%

2

Years

70%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

1.39%

Reverts to 4.54%

2

Years

65%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.
Fixed

1.42%

Reverts to 4.54%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.
Fixed

1.19%

Reverts to 3.75%

2

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.33%

Reverts to 3.75%

2

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Tracker

1.79%

Reverts to 3.75%

2

Years

70%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Tracker

1.82%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.73%

Reverts to 3.75%

5

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

2.01%

Reverts to 3.75%

5

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

2.40%

Reverts to 3.75%

5

Years

85%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term.
Fixed

2.49%

Reverts to 4.70%

2

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.49%

Reverts to 4.70%

2

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.59%

Reverts to 3.69%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.
Fixed

2.94%

Reverts to 3.69%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Get top remortgage deals

When you take out a new mortgage, you normally get an introductory deal – for example a low fixed or discounted rate or a low tracker rate for the first few years of your mortgage. Introductory deals normally last for between two and five years. However, once the deal ends you may find yourself put on your lender’s standard variable rate, which may not be as competitive as other rates on the market. At this point, you may wish to consider remortgaging your property. Remortgaging involves moving your mortgage from one lender to another without moving home.

 

How to find the best remortgage deals


If you are looking to save money on your existing mortgage or to raise some additional money against your property, remortgaging your home could be the perfect option.


There are several things to consider when looking for remortgage deals:

 

  • Best deals – one of your main concerns when remortgaging is likely to be finding a competitive interest rate
  • Flexibility – If you are remortgaging in order to gain more payment flexibility, you will want to consider factors such as the option to take repayment holidays, or to overpay
  • Fees – the interest rate may be attractive, but does it come with high charges? As with any mortgage, remortgaging costs money, so it makes sense to factor these costs into your overall consideration
  • Criteria – in order to get a good mortgage deal you will need to meet the required criteria set by the lender


When you are comparing remortgage deals, you may find you have the option of both fixed remortgage deals and tracker mortgage rates. Fixed remortgage rates mean that your repayments are guaranteed for a certain period, while tracker rates link the amount of interest you pay on your mortgage to another rate. This is usually either the Bank of England Base rate or your lender’s Standard Variable rate (SVR).


Bear in mind that a remortgage application is a two-way process - not only does the remortgage deal you choose need to suit you, but the mortgage lender also has to approve you as a a borrower. To maximise your chances of approval you should check the criteria applied buy the lender. When considering a remortgage application, mortgage lenders will look at factors such as:

 

  • How much existing equity do you have?
  • How much do you earn?
  • How stable is your income?
  • Do you have any outstanding debts?
  • Do you have a good credit history?


To find the top 10 remortgage deals, click on the FREE mortgage calculator above and compare over 5,000 remortgage offers tailored to your personal requirements.

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.19%

Reverts to 3.75%

2

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.394%

Reverts to 3.69%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.73%

Reverts to 3.75%

5

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

1.73%

Reverts to 3.75%

5

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker