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Remortgage Before Rates Rise

Get A Better Mortgage Before Rates Go Up

Remortgage to save money

Has your initial mortgage deal come to an end?

By switching to a better deal with a different mortgage provider, remortgaging could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments.

    • 4.07% Initial
    • 5 year fixed
    • 6.6% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 4.07% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.08% Initial
    • 5 year fixed
    • 6.3% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.08% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.09% Initial
    • 5 year fixed
    • 6.6% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

Paying too much on your mortgage?

A staggering £2.78 billion of interest being paid by people on the wrong mortgage deal...!

According to latest research by L&C Mortgages* 36% of UK homeowners are sitting on their lender Standard Variable Rate (SVR).  The current average lender SVR is 4.40%. So when you took out your mortgage there is a good chance that you were given a fixed initial rate deal e.g. 2,3 or 5 years.

So at the end of the initial rate you will usually have been switched automatically to the lender’s Standard variable Rate (SVR) of interest. 

If this is you will probably be paying a lot more interest on your mortgage repayments each month than you need to.

You are not alone. 4 million UK homeowners are in the same boat.

Remortgaging your home is simple and if you are a homeowner with a mortgage it makes a lot of sense to review your monthly payments.

See below a market leading offer from the Post Office:

Are you looking to raise additional funds on your mortgage?

By remortgaging you may be able to releasing equity in your home.

People often remortgage to provide money for:

  • Home improvements
  • New Kitchen
  • New En-suite bathroom
  • Consolidate other existing debts.

Remortgaging can be a good low cost way of paying for your new home project.

*Research carried out by London & Country March 2017