Latest Deal - NatWest 2 Year Fixed »
Call FREE - 0800 158 2934
- £250 CASHBACK
- 2 Year Fixed up to 60% LTV Deal »
- Call FREE - 0800 158 2934
Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.
Remortgaging can save you money by finding a deal with a cheaper rate of interest, especially if you find providers which offer fee free remortgages. To find fee free remortgages and deals that offer you other advantages, such as low interest rates, call our independent mortgage team on 0117 332 6063.
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
|---|---|---|---|---|---|---|
 £250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 158 2934 | Fixed | 1.83% Reverts to 3.99% | 2 Years | 75% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 096 7447 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
 £400 CASHBACK Call FREE on 0808 178 6813 | Fixed | 1.98% Reverts to 4.74% | 2 Years | 75% | No | More Info > |
| £400 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 2.00% Reverts to 3.99% | 5 Years | 75% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 096 7447 | Tracker | 2.04% Reverts to 3.99% | 2 Years | 70% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 096 7447 | Tracker | 2.07% Reverts to 3.99% | 2 Years | 75% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 2.36% Reverts to 3.99% | 5 Years | 85% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 077 4336 | Fixed | 2.49% Reverts to 3.94% | 10 Years | 60% | No | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 2.99% Reverts to 3.94% | 10 Years | 80% | No | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.30% 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.
| Mortgage Service | Independent Mortgage Advice | Mortgage Quotes Tailored to you | Fast Track Service | Mortgage Protection Review | Get Quotes |
|---|---|---|---|---|---|
 |  | | | | More Info > |
Call 0117 332 6063 to speak to the Fair Mortgages team. |
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Compare Fee Free Remortgages
Fee free remortgages would not include the following:
- Early repayment fee
- Higher Lending Charge
- Broker fee
- Arrangement/Product fee
- Legal fees
- Survey/ Valuation fees
Some mortgage lenders will not charge certain fees as an incentive to new customers, but there are a number of different fees, so always check the small print.
When searching for a better deal on their remortgage, many customers are often understandably wary of the arrangement fees that are commonly required when switching mortgages. A mortgage that is advertised as ‘fee free’ will often mean that customers will not be expected to pay for any arrangement, valuation or solicitor fees.
There are several providers that may offer customers a new interest rate deal as part of a fee free remortgage. However in order to find the best fee free remortgage deals, customers are advised to shop around as much as possible and compare different mortgage offers.
The following are some examples of common remortgage deals that may come as part of a fee free arrangement with different providers:
- A fixed rate mortgage
- A tracker mortgage
- A variable interest rate mortgage
Although the apparent lack of any arrangement fee may seem like a very attractive prospect for many customers, it is still important to examine the conditions and rates of a particular remortgage offer before committing.
For example, a fee free remortgage may be subjected to significantly higher interest rates so that the lender can compensate for apparent lack of any mortgage fees. Many lenders may also simply be keen to persuade customers with an attractive fee free, discounted mortgage deal, when the rates for the proposed agreement may be disproportionately high.
Put simply, it is worth considering every aspect of a proposed remortgage agreement before any final decisions are made, as many fee free mortgages may often be more costly then they first appear.
In order to determine the viability of a proposed mortgage deal, it may be a good idea to use a mortgage calculator to help determine the average monthly cost of repayments.If you are searching for fee free mortgages, feel free to consult our mortgage comparisons table above for more information.
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 | |
|---|---|---|---|---|---|---|
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 1.69% Reverts to 3.94% | 3 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 158 2934 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% 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
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