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.
| 60% LTV | 75% LTV | 80% LTV | 85% LTV | 90% LTV | |
|---|---|---|---|---|---|
| 5 years | 5.65% | 5.65% | 5.70% | 5.80% | 5.90% |
| 10 years | 5.80% | 5.80% | 5.85% | 5.95% | 6.05% |
| 15 years | 5.95% | 5.95% | 6.00% | 6.10% | 6.25% |
APRC Rates table:
| 60% LTV | 75% LTV | 80% LTV | 85% LTV | 90% LTV | |
|---|---|---|---|---|---|
| 5 years | 6.15% | 6.17% | 6.24% | 6.35% | 6.48% |
| 10 years | 6.02% | 6.02% | 6.08% | 6.19% | 6.30% |
| 15 years | 6.11% | 6.11% | 6.16% | 6.27% | 6.43% |
In addition to the interest rates, there may also be fees to consider when you take out a remortgage. 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: £0
- Valuation Fee: £0 (for properties up to £1m) with fees-assisted conveyancing; please see our Tariff of fees and charges for more information
- Completion Fee: £0
| 60% LTV | 75% LTV | 80% LTV | 85% LTV | 90% LTV | |
|---|---|---|---|---|---|
| Standard Variable Rate | 6.50% | 6.55% | 6.65% | 6.75% | 6.90% |
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
|