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This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2022 From Post Office
Initial rate 1.27% Jan-2022
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7447
Royal Bank Of Scotland logo
Fixed Mar-2022 From Royal Bank Of Scotland
Initial rate 1.34% Mar-2022
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call NatWest 0800 158 2934
NatWest logo
Fixed Mar-2022 From NatWest
Initial rate 1.34% Mar-2022
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2025 From Virgin Money
Initial rate 1.46% Mar-2025
Maximum LTV 65%
Overall cost of comparison 3.5% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2025 From Virgin Money
Initial rate 1.56% Mar-2025
Maximum LTV 65%
Overall cost of comparison 3.6% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Get A Great Remortgage Deal

We are 100% independent. Find the best remortgage rates from UK lenders

Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Paying too much on your mortgage?

A staggering £2.78 billion of interest is being paid by people on the wrong mortgage deal!

This is because according to latest research* 36% of UK homeowners are sitting on their lender Standard Variable Rate (SVR).

When you took out your mortgage there was a good chance that you were given an initial fixed term deal over 2,3 or 5 years. At the end of the initial fixed term you will usually have been switched automatically to the lender’s Standard variable Rate (SVR) of interest. The current average lender SVR is 4.40%.

If this is you there is a good chance your monthly mortgage payments are a lot higher than they need to be.

You are not alone. 4 million UK homeowners are in the same boat.


Latest mortgage offers:

Post Office Mortgage OffersPost Office offer a great range of mortgage offers - Click here »

Remortgaging your home is simple and if you are a homeowner with a mortgage it makes a lot of sense to review your monthly payments.


Why do people Remortgage?

The main reason is to keep monthly costs to a minimum. 

1. Has your initial mortgage deal come to an end?

By switching to a better deal with a different mortgage provider, remortgaging could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments.

Remortgage

2. Are you looking to raise money?

By remortgaging you may be able to releasing equity in your home.

People often remortgage to provide money for:

  • Home improvements
  • New Kitchen
  • New En-suite bathroom
  • Consolidate other existing debts.

Remortgaging can be a good low cost way of paying for your new home project.


How does a remortgage work?

Remortgaging essentially means switching from your existing mortgage to a new one. This can be with a new mortgage provider, or the same one you are already using.

People usually consider remortgaging because they think they can get a better deal and reduce their monthly repayments, or because they want to increase their borrowing.

There are usually several costs associated with remortgaging, typically including a valuation fee, administration fee and legal fee. Many (but not all) lenders will offer to pay these costs when you switch your mortgage to them to make remortgaging more attractive.  

When to remortgage

Remortgaging is particularly popular at the moment as interest rates are low. Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.

However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage. If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).


Buy To Let Mortgage Best Buys

Post Office Mortgage OffersPost Office are currently offering £500 cashback on selected buy to let mortgage deals! - Click here »


Independent Advice

If you are not sure whether now is the right time to remortgage or whether you can get an interest only deal speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464

Click to call

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands.