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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: ORBPS0092 / 1.6
Date modified: October 4, 2024

Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 4.88% 4.88% 4.93% 5.03%
10 years 4.92% 4.92% 4.97% 5.07%
15 years 5.04% 5.04% 5.09% 5.13%

APRC Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 6.73% 6.75% 6.82% 6.92%
10 years 5.7% 5.69% 5.75% 5.8%
15 years 5.45% 5.47% 5.50% 5.52%

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 7.50% 7.55% 7.65% 7.75%

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.