Remortgaging
If you’re thinking of remortgaging your existing house we have a range of fixed and variable rate products that could work for you. Use the Selection Tool to find the best mortgage for you.
Affordability calculator
Find out how much you can borrow with our affordability calculators.
Variable mortgages
Our Standard Variable Rate (SVR) is currently 7.99% variable (effective from January 1st for existing customers). There may be a limit on how low your interest rate can fall. This is called an ‘interest rate floor’. The interest rate floor applicable to your loan will be specified in your loan documentation.
Product name
Buy to Let variable for 2 years
Initial rate
5.49%
Discount from SVR
2.50%
Overall cost for comparison
8.0% APRC
Max LTV %
80%
Product fee
£999
Product name
Ltd Company Buy to Let variable for 2 years
Initial rate
5.49%
Discount from SVR
2.50%
Overall cost for comparison
8.0% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Holiday Let variable for 2 years
Initial rate
5.69%
Discount from SVR
2.30%
Overall cost for comparison
7.9% APRC
Max LTV %
75%
Product fee
£999
Product name
Ltd Co Holiday Let variable for 2 years
Initial rate
5.69%
Discount from SVR
2.30%
Overall cost for comparison
8.0% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Residential variable for 2 years
Initial rate
4.99%
Discount from SVR
3.00%
Overall cost for comparison
7.40% APRC
Max LTV %
80%
Product fee
£999
Product name
Fee Saver 95% Residential variable for 2 years
Initial rate
5.84%
Discount from SVR
2.15%
Overall cost for comparison
7.6% APRC
Max LTV %
95%
Product fee
£0
Product name
Fee Saver 80% Residential variable for 2 years
Initial rate
5.04%
Discount from SVR
2.95%
Overall cost for comparison
7.4% APRC
Max LTV %
80%
Product fee
£0
Product name
95% Residential variable for 2 years
Initial rate
5.49%
Discount from SVR
2.50%
Overall cost for comparison
7.7% APRC
Max LTV %
95%
Product fee
£999
Product name
Retirement mortgage (power of attorney) variable lifetime discount
Initial rate
4.99%
Discount from SVR
3.00%
Overall cost for comparison
5.1% APRC
Max LTV %
50%
Product fee
0
Product name
Retirement mortgage (non power of attorney) variable lifetime discount
Initial rate
5.49%
Discount from SVR
2.50%
Overall cost for comparison
5.7% APRC
Max LTV %
50%
Product fee
0
Product name
85% Rent A Room variable for 2 years
Initial rate
5.29%
Discount from SVR
2.70%
Overall cost for comparison
7.70% APRC
Max LTV %
85%
Product fee
£999
Fixed rate mortgages
The mortgages listed below move on to our Standard Variable Rate (SVR), 7.99% variable after the initial rate period (effective from January 1st for existing customers).
Product name
Buy to Let fixed for 5 years
Initial rate
5.49%
Overall cost for comparison
7.4% APRC
Max LTV %
80%
Product fee
£999
Product name
Buy to Let fixed for 2 years
Initial rate
5.85%
Overall cost for comparison
8.0% APRC
Max LTV %
80%
Product fee
£999
Product name
Ltd Company Buy to Let fixed for 5 years
Initial rate
5.49%
Overall cost for comparison
7.4% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Ltd Company Buy To Let fixed for 2 years
Initial rate
5.85%
Overall cost for comparison
8.1% APRC
Max LTV %
80%
Product fee
£1,499
Product name
Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.5% APRC
Max LTV %
75%
Product fee
£999
Product name
Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.1% APRC
Max LTV %
75%
Product fee
£999
Product name
Ltd Company Holiday Let fixed for 5 years
Initial rate
5.89%
Overall cost for comparison
7.6% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Ltd Company Holiday Let fixed for 2 years
Initial rate
6.25%
Overall cost for comparison
8.1% APRC
Max LTV %
75%
Product fee
£1,499
Product name
Residential fixed for 5 years
Initial rate
4.89%
Overall cost for comparison
6.7% APRC
Max LTV %
80%
Product fee
£999
Product name
95% Residential fixed for 5 years
Initial rate
5.14%
Overall cost for comparison
7.1% APRC
Max LTV %
95%
Product fee
£999
Product name
Residential fixed for 2 years
Initial rate
5.19%
Overall cost for comparison
7.3% APRC
Max LTV %
80%
Product fee
£999
Product name
95% Residential fixed for 2 years
Initial rate
5.54%
Overall cost for comparison
7.6% APRC
Max LTV %
95%
Product fee
£999
Product name
85% Rent A Room fixed for 2 years
Initial rate
5.69%
Overall cost for comparison
7.7% APRC
Max LTV %
85%
Product fee
£999
Product name
85% Rent A Room fixed for 5 years
Initial rate
5.39%
Overall cost for comparison
7.3% APRC
Max LTV %
85%
Product fee
£999
Useful stuff
Mortgage Conditions
Tariff of Mortgage Fees
Also in this section
- Finding the right mortgage
- Mortgage selection tool
- Mortgage affordability calculator
- Browse mortgages by customer type
- First time buyer
- Buy for Uni
- Moving home
- Remortgaging
- Buy to Let
- Browse mortgages by product type
- Buy for Uni mortgages for students
- Rent a Room mortgages
- Buy to Let mortgages
- Holiday Let mortgages
- Retirement mortgages
- Residential mortgages
- Credit Repair mortgages
- Self Build mortgages