Remortgaging. Compare our home loan rates. Get a choice in theory

Remortgaging. Compare our home loan rates. Get a choice in theory

Have a look at our rates and determine exactly what your payments that are monthly be

Get a choice in theory

This can be a totally free instant choice which lets you know when we could provide you the quantity you may need

Make an application for your mortgage

When you’ve completed your decision in theory, you’re prepared to begin your home loan application

Why choose us?

  • No item cost on a number of our mortgages
  • We’ll pay your standard fees that are legal offer you ?250 cashback of all of our mortgages (repayable in the event that you pay back your home loan within two years)
  • Free standard valuation of all of y our mortgages on properties as much as ?2.5 million
  • Make regular or overpayments that are one-off
  • View your mortgage in on line and Mobile Banking

Guide: Remortgaging to us

What you ought to learn about going your home loan to us

Simply how much may I borrow?

Utilize our helpful calculator

Protect your property

Have a look at our house insurance

Why remortgaging will allow you to

Remortgaging means you move from a single loan provider to some other while residing in the exact same home. You can find a true range ways that it might allow you to.

Lower your home loan repayments

You may well be in a position to lessen your month-to-month home loan repayments if you take down a mortgage that is new us at a lowered price than your present price. A good change that is small the attention price you pay could cause cost cost savings with time.

Borrow more cash

You need to use the equity at home to borrow additional money for many things such as for instance house improvements or a brand new vehicle. Keep in mind, increasing the measurements of one’s mortgage means your payments that are monthly rise.

Improvement in circumstances

You might improve your home loan for almost any true wide range of reasons. Maybe you’ve enter into some cash and also you would you like to repay a few of your home loan or you have got a pursuit just mortgage that you simply desire to switch to a payment home loan.

If you’re reasoning about remortgaging, make certain you consider what you would like from your own brand brand brand new home loan. Keep in mind also that going your home loan from your present provider may incur fees such as a repayment that is early and exit cost.

Possible expenses to take into account

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Early payment fee

If you’re tied into a cope with your loan provider, you may want to spend a very early payment fee to have out of this deal early. It’s normally a portion of one’s home loan and you may believe it is in your home loan offer or yearly home loan statement. In the event that you can’t believe it is confer with your present loan provider who can manage to assist.

Item charge

A number of our mortgages don’t have an item charge. If you choose one that does, it is possible to ordinarily include the charge to your home loan, but it’ll suggest you’ll pay interest in the product cost until you pay it back within 21 times of doing your home loan.

Valuation cost

Almost all of our mortgages have free standard valuation (on properties respected as much as ?2.5 million) to ensure the property may be worth the amount you’re spending money on it.

Legal/conveyancer costs

A solicitor/ is needed by you licensed conveyancer to support the legal components of remortgaging. For many of y our home loan discounts we’ll spend your standard appropriate costs. You’ll have actually to cover them right straight straight back in the event that you pay back your home loan within two years.

Account charge

This can be charged by us for administering and providing your home loan. You are able to spend it whenever your home loan completes or the end of one’s home loan, either means you’ll spend the amount that is same.

This is certainly a summary that is brief of 3 different sorts of mortgages we provide

Fixed price Tracker price life time Tracker
perfect for: individuals who want a precise notion of exactly what they’re going to need to repay for the following couple of years.

It is possible to frequently fix your deal for just two, 3 or five years. In this fixed period your monthly obligations will remain equivalent. After your fixed period you’ll move onto the Santander Follow-on Rate (variable). Should you want to complete your deal previously you could spend an earlier payment fee.

Perfect for: those who think interest levels will remain low throughout the next years that are few like to make limitless overpayments to their home loan.

It is possible to select a home loan by having a rate that is initial and in those times your price songs over the Bank of England base rate. Using this variety of home loan your instalments can vary. The first price duration is often a couple of years and from then on you move on the Santander Follow-on Rate (variable).

Perfect for: individuals who don’t would you like to ever search for a mortgage that is new once again or like to make limitless overpayments.

With an eternity Tracker mortgage your price will track over the Bank of England base price for the full life of your home loan term. Using this form of home loan your instalments can vary.

The graphs are for illustrative purposes just.

For an comparison that is in-depth of home loan kinds being offered read our guide to mortgages