YOUR HOME MAY BE REPOSSESSED IF YOU DON’T KEEP UP REPAYMENTS

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 mortgage amount to your property's value.

Version: ORCPS0091 / 1.17
Date modified: March 27, 2025

Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 5.32% 5.37% 5.42% 5.52%
10 years 5.46% 5.51% 5.56% 5.66%
15 years 5.57% 5.62% 5.67% 5.77%

APRC Rates table:

60% LTV 75% LTV 80% LTV 85% LTV
5 years 6.60% 6.63% 6.71% 6.81%
10 years 6.23% 6.27% 6.33% 6.43%
15 years 6.05% 6.09% 6.14% 6.24%

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

  • Application Fee: £195 (non-refundable)
  • Valuation Fee: Free (for properties up to £1m); 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 you add it to your mortgage, you’ll pay interest on it at the same rate as the rest of your 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 using own funds. If 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