Remortgage Best Buys

Compare remortgage best buys

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.54%Reverts to 3.99% after 2 years


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

To help you find the remortgage best buy for your personal circumstances, just use the tables below and compare mortgage now, or call our independent mortgage team on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.54%

Reverts to 3.99%

2

Years

60%

YesMore 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.
Fixed

1.83%

Reverts to 3.99%

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.
Tracker

1.84%

Reverts to 3.99%

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

1.95%

Reverts to 3.99%

5

Years

60%

YesMore 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.
Fixed

1.98%

Reverts to 4.74%

2

Years

75%

NoMore 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.
Fixed

2.00%

Reverts to 3.99%

5

Years

75%

YesMore 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.
Tracker

2.04%

Reverts to 3.99%

2

Years

70%

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

2.07%

Reverts to 3.99%

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

2.36%

Reverts to 3.99%

5

Years

85%

YesMore 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.
Fixed

2.49%

Reverts to 3.94%

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

2.99%

Reverts to 3.94%

10

Years

80%

NoMore 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.


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Call 0117 332 6063

to speak to the Fair Mortgages team.

Compare Remortgage Deals

The remortgage best buys depend entirely what you are looking for in a remortgage. People generally remortgage for one of the following reasons:

  • When they move home
  • When their current deal comes to an end
  • To lower monthly payments – another deal may well be more competitive
  • To release capital - either to pay off debt, buy another property, or to pay for something like home improvements or a new car

 

If you are going for a straight remortgage because you are moving or are simply switching lenders, the remortgage best buy for you will probably be the one with the lowest APR. But if you are unlocking capital, the remortgage best buys for you may be the ones with the lowest set up fees.

In order to find the best buys on remortgage deals from different providers, it is important to shop around and compare mortgages from as many sources as possible. Researching the market in this way may go a long way in helping you to find a remortgage deal that is tailored to your individual requirements.

 

By remortgaging your property for a better deal, you may be able to:

  • Potentially save money and reduce your repayments
  • Have access to a number of useful benefits that you may otherwise have missed out on
  • Spend the extra capital on 

As you search for remortgage best buys, you may wish to consider the mortgage comparisons table  above for some examples of offers.

 

Whilst looking into remortgaging, you may wish to consider switching the type of interest rate that you will pay on your mortgage. Here are some examples of options that may be available to you:

  • Fixed rate
    This refers to mortgages whose interest rates are set at a fixed amount for a determined period; following this period, rates will usually revert to the lender’s standard variable rate (SVR)
  • Tracker
    A tracker interest rate is subject to move up or down with the Bank of England base rate, meaning that you could pay more or less on your interest rates depending on the current financial climate

 

It should be remembered that the best buys on a remortgage deal for one person, may not necessarily be best suited to another. It is therefore important to consider your individual circumstances when searching for an appropriate deal.

 

It is also worth noting that remortgaging can be an initially expensive process.  Whilst some remortgages may offer a special fee free product, you might wish to think about the following costs that you could face:

  • Arrangement fees for the remortgage
  • Exit fees to your previous lender
  • The cost of having your property valued
  • Legal costs

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

1.54%

Reverts to 3.99%

2

Years

60%

YesMore 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.
Fixed

1.69%

Reverts to 3.94%

3

Years

60%

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

1.84%

Reverts to 3.99%

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

1.95%

Reverts to 3.99%

5

Years

60%

YesMore 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.
Fixed

1.95%

Reverts to 3.99%

5

Years

60%

YesMore 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