Remortgage Comparison

A whole market remortgage comparison...

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.

A remortgage comparison will help you find the best possible mortgage deal for your circumstances. Once you know how much you want to borrow, our experts can help you with a remortgage comparison. 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.

Remortgage Comparison Online

When the interest rate deal on your current mortgage ends, you may wish to consider remortgaging your property in order to save money. Rather than spending £1000s worth of interest on your current mortgage deal, it is wise to make a comparison of remortgage offers to find a better interest rate deal.


There are certain things to consider in the remortgaging process, such as:

 

  • Method of repayment
  • Type of interest rate deal


Choosing which method of repayment is an important decision to make and the option you choose may depend on your current financial situation, including your income and any other financial obligations you may have. The two methods of repayment are:

 

  • Repayment – straight forward monthly payments including the interest you owe each month
  • Interest only – monthly payments consisting of the interest accumulated each month and separate instalments into a savings account. This repayment method enables you to earn interest on your savings which may compensate for the monthly interest payments


Take a look at our remortgage comparison tables to compare a range of mortgage lenders and interest rate deals:


There are a variety of interest rate deals to choose from and your decision should be based on how much risk you want to take and your present financial situation. You should always make a thorough comparison of the interest rate deals on offer. Some types of interest rate deals are:


Fixed interest rate 
You will pay a fixed rate of interest for a set term until the term ends and the interest rate switches to the lender’s standard variable rate which is set according to the Bank of England base rate.


Tracker interest rate
You will pay a rate of interest that traces the Bank of England base rate and this means the interest you pay tends to fluctuate above, below or on the base rate line.


Offset interest rate
Your mortgage lender will combine your savings account or credit card with your mortgage loan to reduce the amount of interest you will pay overall. This option also allows you to make overpayments and underpayments, in times when your income fluctuates.

 

If you are looking to move home, switch mortgage lenders for a better rate or remortgage to release some capital, it may be important to do a remortgage comparison before opting for any particular deal.

 

There are thousands of different remortgage deals on the market, each with different benefits. Whether you are looking for fixed rate or variable, interest only or full repayment, there will be a number of options to choose from.

 

By entering the following you will get free quotes about the best rates available for your requirements:

 

  • Mortgage amount
  • Interest rate
  • Loan repayment term (i.e. 25 years)

You will be able to find out just how much, per month, your new remortgage deal will cost you in standard repayments. Fill in the form to do a remortgage comparison of the entire market and find the best remortgage deal for you.

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