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.
To get re-mortgage deals, see the tables below you will be able to compare quotes from many mortgage lenders on the market to make sure you find the best possible deal. Or 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 |
|---|---|---|---|---|---|
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Call 0117 332 6063 to speak to the Fair Mortgages team. |
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Get Re-Mortgage Deals
Re-mortgages can be useful for many reasons, including:
- To make savings: If your original deal was taken out when interest rates were high, or your current deal has come to an end, you could well save yourself money by switching deals.
- Reduce your monthly payments: If you are not looking to take savings in the long term, but more to cut your monthly costs – maybe there has been a change in your income, you could switch to a longer loan period which would cut your monthly repayments
- Borrow more: If you need extra cash, maybe for home improvements like a new kitchen or bathroom or an extension, you could remortgage to release the money to pay for the work.
- Debt consolidation: If you have debts at high rates of interests, putting them onto your mortgage instead could save money.
There are a number of things to consider before deciding to pursue the course of a remortgage. Re-mortgages have many benefits for people who have come to the end of their interest rate deal term and wish to switch lenders in order to receive a lower rate of interest.
Firstly, you should speak to your current mortgage lender about your desire to remortgage. A one to one consultation with your current mortgage lender may enable you to clarify what aspects of your mortgage loan you are unsatisfied with. The most common reason for switching lenders or remortgaging is to save money.
Regardless of the type of interest rate deal you currently have, you should be able to remortgage. However, there are usually fees involved:
- Application or arrangement fees
- Early repayment charges (ERC)
- Valuation fee
- Legal fees
It is important to consider the additional costs involved in the re-mortgages process to ensure that remortgaging your property is a worthy venture in your current financial situation. You should use our comparison tables to find a mortgage lender and interest rate deal that will benefit you and your financial situation.
One of the first things you should consider when looking to remortgage your property is to think about which kind of repayment plan would best suit your financial situation. It is perhaps obvious that repaying monthly for twenty years will result in cheaper monthly payments than a 15 year deal.
There are three main things to consider:
- You should compare similar repayment types to better judge what each remortgage deal has to offer
- Keep the loan to value ratio in mind at all times when looking at different deals
- Are there any initial payments to make or any penalties that could be incurred
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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