This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Mortgage Hotline - Call Us 0117 313 7780

1.74% - 5 Year Fixed 

  • Overall cost for comparison 3.20% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 5 years after which reverts to Scottish Widows variable rate of 3.74%.

Call us for this special offer on 0117 313 7780

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £395.59 per month
Max LTV: 60%
Product fee: £2114.00
Overall cost for comparison: 3.5% APRC
Barclays Bank logo 1.24% Tracker 2 years 3.5% APRC 60% £2114.00 £395.59 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £391.71 per month
Max LTV: 60%
Product fee: £1159.00
Overall cost for comparison: 4.3% APRC
Platform logo 1.24% Tracker 2 years 4.3% APRC 60% £1159.00 £391.71 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.24%
Rate type: Fixed Jan-2020
Monthly cost: £391.71 per month
Max LTV: 60%
Product fee: £1634.00
Overall cost for comparison: 4.1% APRC
Yorkshire Bank logo 1.24% Fixed Jan-2020 4.1% APRC 60% £1634.00 £391.71 per month get quotes
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £391.72 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.1% APRC
Skipton BS logo 1.24% Tracker 2 years 4.1% APRC 60% £1061.00 £391.72 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.25%
Rate type: Discount 2 years
Monthly cost: £392.18 per month
Max LTV: 80%
Product fee: £1374.00
Overall cost for comparison: 4.1% APRC
Vernon BS logo 1.25% Discount 2 years 4.1% APRC 80% £1374.00 £392.18 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.28%
Rate type: Discount 2 years
Monthly cost: £397.07 per month
Max LTV: 65%
Product fee: £2365.00
Overall cost for comparison: 4.2% APRC
Beverley BS logo 1.28% Discount 2 years 4.2% APRC 65% £2365.00 £397.07 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Jan-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1114.00
Overall cost for comparison: 3.4% APRC
Barclays Bank logo 1.29% Fixed Jan-2020 3.4% APRC 60% £1114.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Feb-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1259.00
Overall cost for comparison: 4.3% APRC
Santander UK Plc logo 1.29% Fixed Feb-2020 4.3% APRC 60% £1259.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Feb-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1259.00
Overall cost for comparison: 4.3% APRC
Santander UK Plc logo 1.29% Fixed Feb-2020 4.3% APRC 60% £1259.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Dec-2019
Monthly cost: £394.05 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.2% APRC
Skipton BS logo 1.29% Fixed Dec-2019 4.2% APRC 60% £1061.00 £394.05 per month get quotes Call direct0117 313 7780 More details
12345678910...

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 A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

How to remortgage your house

Our Remortgage Service - helping you to make the right choice

How straightforward remortgaging your house is will depend on a number of variables. Our service is designed to take the strain in helping you find the best deal for your circumstances:

Why choose our mortgage service?

Fair Mortgages can provide you with a first class remortgage service. 

Special features of what we offer include:

  • Whole of market service - we work with over 60 UK lenders
  • Great Rates! - Access to leading market mortgage rates 
  • Exclusive Deals - exclusive mortgages not available on high street
  • Specialist lenders - who will often lend on criteria that high street lenders will not
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous credit issues 
  • Looking to raise additional finance? - we have access to a range of innovative finance solutions

To investigate your remortgage options call our specialist team on 0117 313 7780 or fill in our call back form. 

Right Bullets

How to Remortgage Your House

Remortgaging your house – the basics

Basically, a remortgage involves changing your existing mortgage policy. There are an assortment of reasons why you may need to remortgage, some of which could include:

  • Remortgaging to get an improved arrangement and possibly pay less interest every month – this may involve moving to another supplier, or remortgaging with your existing supplier if the value in your home has gone up as you may now be qualified for better interest rates on your mortgage repayments.
  • Remortgaging to get a larger mortgage deal – this can free up more money to go towards debt repayments, purchasing another car, or making home upgrades. Remember that in the event that you need to remortgage to pay off debts, you will be securing the debt against your home, and therefore ought to look for expert financial advice before doing this.
  • Remortgaging for a more adaptable mortgage deal to suit your changing circumstances – remortgaging could give you the capacity to make overpayments or underpayments, take a payment break, change to a different type of repayment plan such as an offset or interest only mortgage, or move from one type of mortgage to another, such as from a fixed rate mortgage to a tracker mortgage.

Why consider a remortgage for your house?

One of the principle motivations to consider remortgaging is to ensure that you are continually getting the best mortgage deal for your circumstances. As a case in point, in the event that you have had the same mortgage for quite a long while and have paid of a portion of the cash owed, this means that you should now own a greater part of the property (assuming you have been making your repayments in full and on time). Because of this, you may therefore have the capacity to improve the rate of interest you can get by remortgaging to an arrangement with a lower loan-to-value ratio (LTV).

It could also be a good time to consider remortgaging at the point at which your present mortgage deal’s discounted rate or introductory rate arrives at an end. Numerous mortgage providers offer an introductory fixed rate for a pre-arranged time after the mortgage is taken out, and once this period is over you could find that your mortgage is uncompetitive compared to other mortgage deals that are available on the market.

Is it generally worth remortgaging your house?

Remortgaging can be a useful approach to accessing extra cash for many property holders, yet it is not necessarily the right decision for everybody. First off, there will be some expenses when remortgaging your house, for example, for surveys and legal fees, especially if you are moving to another mortgage supplier. These shoudl be considered and weighed up against the general savings that you will make once you remortgage. A few of the elements that can influence whether remortgaging is fiscally sensible for you could include:

  • The remaining balance of your mortgage – if you have only have a little left to pay off on your mortgage total amount, the sum that you save by remortgaging your house may not be sufficient to make the procedure and expense of a remortgage worth your time
  • How much time is left on your current mortgage deal – If you choose to remortgage and leave a current mortgage deal that is as yet unfinished – for instance, if you would like to leave a five year fixed rate mortgage at an earlier date – then you may be at risk of incurring an exit charge or an early repayment charge (ERC). You should weigh up the expense of this against the potential savings you will make by remortgaging at that specific point in time, rather than sitting tight for your present mortgage arrangement to end, and after that doing the switch.

Deciding to remortgage your home

Remortgaging is a big decision to make, with a variety of different advantages and potential disadvantages, which means that getting the best remortgage guidance ought to be top of your list.

At Fair Mortgages our group of independent, whole of market mortgage specialists can examine your remortgage prerequisites and help you to locate the most suitable remortgage offer for you – call us today on 0117 313 7780 or request a callback.

house icon

For Latest Remortgage Deals Call 0117 313 7780 or Request A Callback

For a FREE initial conversation about your mortgage options complete our short enquiry form.

request call back

Please confirm your details

Extra information

The optional information below will help us to contact you

A to Z of mortgage lenders