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Remortgaging. Compare our mortgage rates. Get a determination in concept

Take a good look at our prices to check out exactly what your monthly obligations could be

Get a determination in theory

This might be a totally free instant choice which informs you you the amount you need if we could lend

Submit an application for your home loan

As soon as you’ve finished the decision in theory, you’re prepared to begin your home loan application

Why choose us?

  • No product charge on a number of our mortgages
  • We’ll pay your standard fees that are legal offer you ?250 cashback of all of y our mortgages (repayable in the event that you repay your home loan within 24 months)
  • 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 Cellphone Banking

Guide: Remortgaging to us

What you should realize about going your mortgage to us

Exactly how much may I borrow?

Make use of our helpful calculator

Protect your house

Take a good look at our house insurance coverage

Why remortgaging will allow you to

Remortgaging means you move from a loan provider to some other while remaining in the exact same home. You can find wide range of ways that it would likely assist you to.

Lessen your home loan repayments

Perhaps you are in a position to lower your month-to-month california payday loans online same day mortgage repayments by firmly taking away a brand new home loan with us at a reduced price than your price. Even a change that is small the attention price you pay could cause savings with time.

Borrow more money

You can make use of the equity in your house to borrow additional money for many things such as for instance house improvements or even a brand new automobile. Keep in mind, increasing the measurements of your mortgage means your monthly premiums may rise.

Improvement in circumstances

You might want to improve your home loan for just about any quantity of reasons. Perchance you’ve enter into some funds and also you desire to pay back a number of your mortgage or you’ve got a pastime just mortgage that you simply desire to switch to a payment mortgage.

If you’re reasoning about remortgaging, be sure you consider what you prefer from your brand new home loan. Keep in mind also that moving your home loan from your own present provider may incur costs such as a repayment that is early and exit cost.

Possible costs to take into account

Early payment fee

If you’re tied into a cope with your present loan provider, you may have to spend a very early payment fee to obtain out of this deal early. It’s normally a share of one’s home loan and you will think it is in your home loan offer or mortgage statement that is annual. It speak to your current lender who will be able to help if you can’t find.

Item cost

A number of our mortgages don’t have an item cost. In the event that you choose the one that does, you are able to usually include the charge to your home loan, but it’ll suggest you’ll pay interest in the item charge 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

You want a solicitor/ licensed conveyancer to greatly help with the appropriate facets of remortgaging. For some of our home loan discounts we’ll spend your standard appropriate costs. You’ll have actually to pay for them right back in the event that you pay back your home loan within a couple of years.

Account cost

This will be charged by us for supplying and administering your home loan. You can easily spend it whenever your home loan completes or perhaps the conclusion of the home loan, either means you’ll spend the amount that is same.

It is a brief summary associated with 3 various kinds of mortgages we provide

Fixed price Tracker price life time Tracker
perfect for: individuals who want an idea that is exact of they’re going to own 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 period that is fixed monthly obligations will always be equivalent. After your fixed period you’ll move onto the Santander Follow-on Rate (variable). If you would like complete your deal early in the day you could spend an early on payment fee. Perfect for: those who think rates of interest will remain low within the next several years or desire to make limitless overpayments to their home loan.

You can easily select a home loan by having an initial price duration and during this time period your price tracks over the Bank of England base price. With this specific style of home loan your repayments can vary greatly. The initial price period is frequently two years and from then on you move on the Santander Follow-on Rate (variable). Perfect for: individuals who don’t desire 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 monitor over the Bank of England base price for the full life of your home loan term. Using this sort of home loan your instalments can vary greatly.

The graphs are for illustrative purposes just.

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