Take a good look at our prices and discover exactly what your monthly premiums could be
Get a determination in concept
This really is a totally free instant decision which informs you you the amount you need if we could lend
Submit an application for your home loan
When you’ve finished your choice in principle, you’re prepared to begin your home loan application
Why choose us?
- No item cost on several of our mortgages
- We’ll pay your standard appropriate costs or offer you ?250 cashback of all of our mortgages (repayable in the event that you pay back your home loan within a couple of years)
- Free standard valuation of all of y our mortgages on properties as much as ?2.5 million
- Make regular or overpayments that are one-off
- View your mortgage in on line and Cellphone Banking
Guide: Remortgaging to us
What you ought to learn about going your home loan to us
Exactly how much can I borrow?
Make use of our helpful calculator
Protect your property
Take a good look at our house insurance coverage
Why remortgaging will allow you to
Remortgaging means you move in one lender to some other while residing in the home that is same. You will find a true wide range of ways that it might probably allow you to.
Lower your home loan repayments
You are in a position to lower your month-to-month home loan repayments if you take away a brand new home loan with us at a diminished price than your present price. Even a tiny improvement in the attention price you pay could cause cost cost savings in the long run.
Borrow additional money
You need to use the equity in your house to borrow additional money for several things such as for example house improvements or perhaps a car that is new. Keep in mind, enhancing the size of your home loan means your payments that are monthly increase.
Improvement in circumstances
You might replace your home loan for almost any amount of reasons. Maybe you’ve enter into some funds and you also would you like to pay back a few of your home loan or an interest is had by you just mortgage that you simply would you like to alter to a payment home loan.
If you’re reasoning about remortgaging, make certain you considercarefully what you desire from your own new home loan. Keep in mind additionally that going your mortgage from your own present provider may incur fees like a very early payment cost and exit cost.
Prospective expenses to think about
Early repayment charge
If you’re tied into a handle your present loan provider, you may want to spend a very early payment fee to leave of this deal early. It’s normally a share of one’s home loan and you may believe it is in your mortgage offer or yearly home loan declaration. It speak to your current lender who will be able to help if you can’t find.
Item cost
A few of our mortgages don’t have an item charge. Unless you pay it off within 21 days of completing your mortgage if you choose one that does, you can normally add the fee to your mortgage, but it’ll mean you’ll pay interest on the product fee.
Valuation charge
Nearly all of our mortgages have standard that is free (on properties respected as much as ?2.5 million) to ensure the property will probably be worth the amount you’re investing in it.
Legal/conveyancer costs
A solicitor/ is needed by you licensed conveyancer to aid with the appropriate facets of remortgaging. For many of our home loan discounts we’ll spend your standard fees that are legal. You’ll have actually to pay for them straight straight back in the event that you pay back your mortgage within 24 months.
Account charge
That is charged by us for supplying and administering your home loan. It is possible to pay it as soon as your visit this page mortgage completes or perhaps the conclusion of the home loan, either means you’ll spend the amount that is same.
This might be a summary that is brief of 3 different sorts of mortgages you can expect
| Fixed price | Tracker rate | life time Tracker |
|---|---|---|
| perfect for: individuals who want an idea that is exact of they’re going to need to repay for the following several years. |
It is possible to frequently fix your deal for just two, 3 or 5 years. In this period that is fixed monthly obligations will always be the exact same. After your fixed period move that is you’ll the Santander Follow-on Rate (variable). If you’d like to complete your deal early in the day you might spend an earlier payment cost.
You are able to select a home loan having a rate that is initial and during this time period your price songs over the Bank of England base price. With this particular kind of mortgage your repayments can vary greatly. The first price duration is frequently 24 months and from then on you move on the Santander Follow-on Rate (variable).
With an eternity Tracker mortgage your price will track above the Bank of England base price for the life of one’s home loan term. With this specific form of home loan your repayments can vary.
The graphs are for illustrative purposes just.
For an in-depth contrast of this home loan kinds being offered read our guide to mortgages