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Remortgage rates

Below you can see our current remortgage interest rates: we've made it simple to see the length of the fixed-rate period and different rates based on the loan-to-value (LTV) ratio, which compares your client’s mortgage amount to their property's value.

Version: ORBPS0086 / 1.12
Date modified: December 20, 2024

Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 5.25% 5.30% 5.35% 5.45%
10 years 5.15% 5.20% 5.25% 5.35%
15 years 5.25% 5.30% 5.35% 5.45%

APRC Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 6.88% 6.92% 6.99% 7.09%
10 years 6.03% 6.06% 6.13% 6.23%
15 years 5.78% 5.82% 5.87% 5.97%

In addition to the interest rates, there are also fees to consider when your client takes out a mortgage. We want to make mortgages more simple so we've kept our fees to a minimum so your client knows exactly how much they'll have to pay: 

  • Application Fee: £195 (non-refundable)
  • Valuation Fee: Free (for properties up to £1m) with fees-assisted conveyancing; please see our Tariff of fees and charges for more information
  • Completion Fee: £995 (this can be paid up-front or added to the total mortgage amount; if this is added to your client’s mortgage, they'll pay interest on it at the same rate as the rest of their borrowing)
60% LTV 75% LTV 80% LTV 85% LTV
Standard Variable Rate 7.00% 7.05% 7.15% 7.25%

Early Repayment Charges (ERCs):

There are no ERCs when moving house, regular overpayments, lump sums or redeeming in full when your client uses their own funds. If your client is refinancing / remortgaging then these charges will apply:

Product ERCs
5 years
5%
4%
3%
2%
1%
10 years
9%
9%
8%
7%
6%
5%
4%
3%
2%
1%
15 years
9%
9%
9%
9%
9%
9%
9%
8%
7%
6%
5%
4%
3%
2%
1%
Years
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Smallprint: We try our best to make sure that the interest rates on our website are as reliable and up-to-date as possible. If our interest rates or fees are temporarily incorrect and you or client suffers loss as a result, April Mortgages will not be responsible for this.