Remortgage Rates

Compare the best remortgage rates in the UK

Is your fixed rate deal ending? Don't roll onto a higher standard variable rate. We compare remortgage rates from over 90 lenders to find you the right deal and could save you hundreds every month.

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Tell us about the property

Approximate figures are fine — we'll work out the details together.

Why remortgage?

There are many good reasons to remortgage. Here are the most common ones our clients use.

Lower monthly payments
Switch to a lower rate and reduce your monthly outgoings.
Better interest rate
Access more competitive rates available in today's market.
Release equity
Unlock the value tied up in your home for renovations or other needs.
Change mortgage type
Switch from variable to fixed for more predictable payments.
Debt consolidation
Combine debts into one lower monthly payment (seek advice first).
Overpayment flexibility
Find a deal with better overpayment terms to pay off sooner.

Understanding remortgage rates in the UK

Remortgage rates in the UK vary significantly between lenders and are influenced by factors including the Bank of England base rate, your loan-to-value (LTV) ratio, your credit history, and your property type. As an independent mortgage broker, we have access to rates from over 90 lenders — including exclusive products not available on comparison sites.

The most popular remortgage products are 2-year and 5-year fixed rate deals, which give you certainty over your monthly payments for the term of the fix. Tracker mortgages are also available and may be worth considering if rates are expected to fall.

When comparing remortgage rates, it's important to look beyond the headline interest rate. Arrangement fees, valuation costs, and legal fees all affect the total cost. We calculate the true overall cost of every deal we present to you, so you make an informed decision.

Most people should consider remortgaging when their current fixed or tracker deal is coming to an end — typically 3–6 months before the expiry date. If you don't act, you'll automatically roll onto your lender's Standard Variable Rate (SVR), which is usually much higher.

Remortgage FAQs

When should I start looking for remortgage rates?
We recommend starting to look at remortgage rates around 3–6 months before your current deal expires. This gives you time to compare options, submit an application, and have your new mortgage in place before any early repayment charges kick in.
Will remortgaging affect my credit score?
Applying for a remortgage will leave a hard search on your credit file, which can temporarily lower your score slightly. However, successfully managing your new mortgage can improve your score over time. We advise on the best approach to protect your credit.
Can I remortgage to release equity?
Yes. Many homeowners remortgage to release equity from their property for home improvements, debt consolidation, or other major expenses. We will assess whether this is the right strategy for you and find the most competitive rates.
Are there fees for remortgaging?
There can be — including arrangement fees, valuation fees, and legal costs. However, many lenders offer fee-free remortgage products. We compare the total cost of each deal (not just the headline rate) so you get the best overall value.
What if I'm in negative equity?
Remortgaging with negative equity is more complex but not always impossible. We will assess your situation and advise on the best options available, including specialist lenders who may be able to help.

Ready to compare remortgage rates?

Our advisors search the whole market to find your best deal. Free, no-obligation advice.

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

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Your home may be repossessed if you do not keep up repayments on your mortgage.