{"id":2523,"date":"2026-04-18T08:11:24","date_gmt":"2024-11-20T11:26:56","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=2523"},"modified":"2026-04-18T00:00:00","modified_gmt":"2026-04-17T23:00:00","slug":"current-remortgage-rates","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/current-remortgage-rates\/","title":{"rendered":"Current UK remortgage rates"},"content":{"rendered":"<p>Last updated: April 18, 2026<\/p>\n\n<div class=\"c-contents js-toggle c-contents--open\" id=\"\" data-toggle-active=\"c-contents--open\">\n    <button class=\"c-contents__header js-toggle-trigger\">\n        <h2 id=\"contents\" class=\"c-contents__title\">Contents<\/h2>\n        <svg class=\"c-icon c-icon--chevron-line-down c-contents__header__chevron\"><use xlink:href=\"#icon-chevron-line-down\"><\/use><\/svg>    <\/button>\n    <div class=\"c-contents__body js-contents-body\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#remortgage-rates\" target=\"\" class=\"text-decoration-none c-link\">What\u2019s happening with remortgage rates now?<\/a><\/li>\n<li><a href=\"#remortgage-pt\" target=\"\" class=\"text-decoration-none c-link\">Average remortgage and product transfer rates<\/a><\/li>\n<li><a href=\"#best-rates\" target=\"\" class=\"text-decoration-none c-link\">The lowest current remortgage rates<\/a><\/li>\n<li><a href=\"#average-repayments\" target=\"\" class=\"text-decoration-none c-link\">Average monthly remortgage repayments<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#when-remortgage\" target=\"\" class=\"text-decoration-none c-link\">When is a good time to remortgage?<\/a><\/li>\n<li><a href=\"#how-much\" target=\"\" class=\"text-decoration-none c-link\">How much can you borrow when you remortgage?<\/a><\/li>\n<li><a href=\"#remortgage-cost\" target=\"\" class=\"text-decoration-none c-link\">Does it cost to leave your current mortgage?<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p>If your mortgage is coming to an end soon, or you\u2019re looking to move to a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\">different type of mortgage<\/a>, you might be thinking about remortgaging. You could also consider remortgaging if you want to borrow more, so you can take out some of the equity in your property for things like home improvements.<\/p>\n\n\n\n<p>When you remortgage, you\u2019ll be applying for a new mortgage for the home you currently own from a new lender. If you\u2019re switching to a new product with the same lender when your current mortgage deal is ending, this is called a product transfer. Some lenders offer better rates if you already have a mortgage with them, but you may also find a better deal with a new lender.<\/p>\n\n\n\n<p>Lenders change the rates of their mortgage products regularly. So, if you\u2019re considering remortgaging, you might be wondering what the current remortgage rates are in the UK. We update the average remortgage rates every day they are available, as well as the best rates being offered.<\/p>\n\n\n\n<p>You can compare remortgage and product transfer rates across a range of loan to value (LTV) percentages below, and explore your options with our <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\">Remortgage Calculator<\/a>.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--slim c-calculator-module--layout-1 c-calculator-module--light c-calculator-module--no-content\" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span class=\"c-calculator-module__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg);\"><\/span><span>Explore your options with our Remortgage Calculator<\/span>        <\/h2>\n        \n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"remortgage-rates\">What\u2019s happening with remortgage rates now?<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">Current average and lowest remortgage and product transfer rates<\/h4>\n\n\n    <figure class=\"wp-block-table is-style-stripes\">\n        <table class=\"has-fixed-layout\" itemscope itemtype=\"https:\/\/schema.org\/Table\">\n            <thead>\n                <tr>\n                    <th class=\"column-1 text-center\">Fixed term<\/th>\n                    <th class=\"column-2 text-center\">Average remortgage rate<\/th>\n                    <th class=\"column-3 text-center\">Lowest remortgage rate<\/th>\n                    <th class=\"column-4 text-center\">Average product transfer rate<\/th>\n                    <th class=\"column-5 text-center\">Lowest product transfer rate<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody class=\"row-hover\">\n                                    <tr>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.44%<\/td>\n                        <td class=\"text-center\">4.79%<\/td>\n                        <td class=\"text-center\">4.99%<\/td>\n                        <td class=\"text-center\">4.42%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.32%<\/td>\n                        <td class=\"text-center\">4.80%<\/td>\n                        <td class=\"text-center\">5.00%<\/td>\n                        <td class=\"text-center\">4.69%<\/td>\n                    <\/tr>\n                                <\/tbody>\n        <\/table>\n    <\/figure>\n    <p><small><time datetime=\"2026-04-18T00:00:00+00:00\">Updated: April 18, 2026<\/time><\/small><\/p>\n    <p><small>These rates are provided by Podium \n    and are an average of Loan-to-Value (LTV) ratios ranging from 95% to 60% LTV. Some lenders rates \n    aren\u2019t publicly available (and aren&#8217;t included in the average rates above)<\/small><\/p>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"remortgage-pt\">The current average UK remortgage and product transfer rates<\/h2>\n\n\n\n<p>These are the average remortgage rates being offered by lenders to new customers. A product transfer rate is the average rate being offered to existing customers.<\/p>\n\n\n\n<h3 id=\"average-fixed-term-remortgage-and-product-transfer-rates-for-loan-to-value-ltv-bands-ranging-from-60-95\" class=\"wp-block-heading\">Average fixed-term remortgage and product transfer rates for Loan-to-Value (LTV) bands ranging from 60-95%<\/h3>\n\n\n    <figure class=\"wp-block-table is-style-stripes\">\n        <table class=\"has-fixed-layout\" itemscope itemtype=\"https:\/\/schema.org\/Table\">\n            <thead>\n                <tr>\n                    <th class=\"column-1 text-center\">Loan to Value (LTV)<\/th>\n                    <th class=\"column-2 text-center\">Term<\/th>\n                    <th class=\"column-3 text-center\">Average remortgage rate if you move to a new lender<\/th>\n                    <th class=\"column-4 text-center\">Average product transfer rate if you switch with your existing lender<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody class=\"row-hover\">\n                                    <tr>\n                        <td class=\"text-center\">95%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">6.18%<\/td>\n                        <td class=\"text-center\">5.50%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">95%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">6.02%<\/td>\n                        <td class=\"text-center\">5.51%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">90%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.68%<\/td>\n                        <td class=\"text-center\">5.18%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">90%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.50%<\/td>\n                        <td class=\"text-center\">5.11%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">85%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.46%<\/td>\n                        <td class=\"text-center\">5.04%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">85%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.33%<\/td>\n                        <td class=\"text-center\">5.02%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">75%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.28%<\/td>\n                        <td class=\"text-center\">4.90%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">75%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.23%<\/td>\n                        <td class=\"text-center\">4.89%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">60%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.03%<\/td>\n                        <td class=\"text-center\">4.68%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">60%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.01%<\/td>\n                        <td class=\"text-center\">4.77%<\/td>\n                    <\/tr>\n                                <\/tbody>\n        <\/table>\n    <\/figure>\n    <p><small><time datetime=\"2026-04-18T00:00:00+00:00\">Updated: April 18, 2026<\/time><\/small><\/p>\n    <p><small>These rates are provided by Podium. \n    Some lenders rates aren\u2019t publicly available (and aren\u2019t included in average rates above) so you \n    may need to speak to your lender directly.<\/small><\/p>\n    \n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\">Use our Remortgage Calculator<\/a> to see your new estimated monthly repayments from your current lender, and the 10 largest UK lenders.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--dark \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Explore your remortgage options<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See your new estimated monthly repayments from your current lender, and the 10 largest UK lenders.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-rates\">What are the best remortgage rates?<\/h2>\n\n\n\n<p><strong>Best (or lowest) fixed-term remortgage and product transfer rates for Loan-to-Value (LTV) bands ranging from 60-95%<\/strong><\/p>\n\n\n    <figure class=\"wp-block-table is-style-stripes\">\n        <table class=\"has-fixed-layout\" itemscope itemtype=\"https:\/\/schema.org\/Table\">\n            <thead>\n                <tr>\n                    <th class=\"column-1 text-center\">Loan to Value (LTV)<\/th>\n                    <th class=\"column-2 text-center\">Term<\/th>\n                    <th class=\"column-3 text-center\">Lowest remortgage rate if you move to a new lender<\/th>\n                    <th class=\"column-4 text-center\">Lowest product transfer rate if you switch with your existing lender<\/th>\n                <\/tr>\n            <\/thead>\n            <tbody class=\"row-hover\">\n                                    <tr>\n                        <td class=\"text-center\">95%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.45%<\/td>\n                        <td class=\"text-center\">5.50%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">95%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.45%<\/td>\n                        <td class=\"text-center\">5.40%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">90%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.25%<\/td>\n                        <td class=\"text-center\">4.95%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">90%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.18%<\/td>\n                        <td class=\"text-center\">4.94%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">85%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">5.10%<\/td>\n                        <td class=\"text-center\">4.80%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">85%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">5.00%<\/td>\n                        <td class=\"text-center\">4.82%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">75%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">4.87%<\/td>\n                        <td class=\"text-center\">4.67%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">75%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">4.81%<\/td>\n                        <td class=\"text-center\">4.74%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">60%<\/td>\n                        <td class=\"text-center\">2-year fixed<\/td>\n                        <td class=\"text-center\">4.79%<\/td>\n                        <td class=\"text-center\">4.42%<\/td>\n                    <\/tr>\n                                        <tr>\n                        <td class=\"text-center\">60%<\/td>\n                        <td class=\"text-center\">5-year fixed<\/td>\n                        <td class=\"text-center\">4.80%<\/td>\n                        <td class=\"text-center\">4.69%<\/td>\n                    <\/tr>\n                                <\/tbody>\n        <\/table>\n    <\/figure>\n    <p><small><time datetime=\"2026-04-18T00:00:00+00:00\">Updated: April 18, 2026<\/time><\/small><\/p>\n    <p><small>Some Product Transfer rates \n    aren&#8217;t publicly available, so you may need to speak to your lender directly.<\/small><\/p>\n    \n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"><strong>Explore your remortgage options with our Remortgage Calculator<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"when-remortgage\">When is a good time to remortgage?<\/h2>\n\n\n\n<p>There can be many reasons to remortgage, which will also impact the timing. They include:<\/p>\n\n\n\n<h3 id=\"if-youre-currently-on-a-fixed-rate-deal-and-its-ending-soon\" class=\"wp-block-heading\">If you\u2019re currently on a fixed-rate deal and it\u2019s ending soon<\/h3>\n\n\n\n<p>At the end of your fixed-rate deal, it\u2019s likely that you\u2019ll be transferred onto the lender\u2019s Standard Variable Rate (SVR) automatically, and this will usually have a higher rate of interest than the fixed deal you were on previously. To avoid this, it\u2019s a good idea to start looking into your options at least six months before your current fixed period is due to end, particularly if you want the option of moving to a deal with a new lender.<\/p>\n\n\n\n<p>If you remortgage with another lender before the end of your fixed rate deal, you\u2019ll probably have to pay an Early Repayment Charge (ERC). So it\u2019s important to get the timing right to avoid this, or being moved to the SVR. This generally means it has to be after your fixed-rate deal ends, but before your next monthly payment falls due. Your conveyancer will help with this.<\/p>\n\n\n\n<h3 id=\"remortgaging-with-a-new-lender\" class=\"wp-block-heading\">Remortgaging with a new lender:<\/h3>\n\n\n\n<p>When you move to a new lender, you will most likely have to go through all of their checks, including a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\">hard credit check<\/a> \u2013 which means you will need to do a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\">Mortgage in Principle<\/a> (to check affordability and creditworthiness), provide evidence of your income, have your property valued (although this may not be a physical valuation) and get legal work done by a conveyancer.<\/p>\n\n\n\n<p>Lenders commonly offer a free valuation and cashback or free legals to help reduce the costs of moving your mortgage to them. However, this all takes time and to get this done and agreed, so that you both avoid paying an ERC or going on to the SVR, means that it&#8217;s prudent to start the process about 6 months before your current deal ends.<\/p>\n\n\n\n<h3 id=\"switching-with-your-current-lender\" class=\"wp-block-heading\">Switching with your current lender:<\/h3>\n\n\n\n<p>If you decide to stay with your existing lender, and don&#8217;t increase the amount of your mortgage, the process of switching is usually a lot easier and cheaper, and it can often be done online. Because you\u2019re staying with your existing lender, there&#8217;s no conveyancing costs, no property valuation and no affordability checks, such as a credit check.<\/p>\n\n\n\n<p>Your current lender will usually get in touch with you 3-6 months before the end of your deal to outline your options. If you got your mortgage through a broker, it\u2019s likely they\u2019ll be in touch around this time to discuss your options, including staying with your existing lender, or moving to another lender..<\/p>\n\n\n\n<p>If you stay with your current lender, you may be able to switch to a new deal up to 6 months early, without paying an Early Repayment Charge. Most lenders will also let you cancel a reserved product and move on to another one if rates fall during this period \u2013 the latest you can change your deal will be about a few weeks before your current rate ends, after this point it will be more difficult to change products \u2013 so it would be best to check with your lender to understand how this process works.<\/p>\n\n\n\n<h3 id=\"if-youre-on-a-tracker-mortgage\" class=\"wp-block-heading\">If you\u2019re on a tracker mortgage<\/h3>\n\n\n\n<p>The interest rate of tracker mortgages is usually linked to the <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/interest-rates\/\">Bank of England\u2019s (BoE) Base Rate<\/a>, plus a percentage amount set by the lender. That means the mortgage interest rate can vary throughout the tracker period, depending on movements in the Base Rate (the official interest rate that the Bank of England charges banks for lending them money \u2013 something that it reviews on a regular basis).\u202f<\/p>\n\n\n\n<p>If you\u2019re worried about the Base Rate going up, and your payments increasing, most tracker products don\u2019t have an Early Repayment Charge, so you\u2019re able to move to another rate at any time. This means that you could move to a fixed rate with your existing lender, or you could remortgage with another lender.\u202f<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-related-slim__title\">Understanding the different types of mortgages<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h3 id=\"other-reasons-to-consider-remortgaging\" class=\"wp-block-heading\"><br>Other reasons to consider remortgaging<\/h3>\n\n\n\n<p>If you are on a capital repayment mortgage, each payment you make will reduce the amount that you owe, therefore when you come to the end of your mortgage deal, it&#8217;s likely that your Loan-to-Value (LTV) band will have gone down from when you originally took out your loan.<\/p>\n\n\n\n<p>Furthermore, if your home\u2019s value has increased during this period, this could mean you\u2019ve moved to a lower LTV band, and you could now get a better rate, borrow more, or release equity for things like home improvements (although it\u2019s a good idea to check if you\u2019ll need to pay an Early Repayment Charge to exit your current mortgage).<\/p>\n\n\n\n<p>Your existing lender will also have a process where you can increase your borrowing once you have additional equity available \u2013 this is often called a further advance \u2013 and you are usually able to do this at any time whether you are in a fixed rate period or not.<\/p>\n\n\n\n<p>You&#8217;ll have to go through all of the normal checks that a lender has in place around affordability, <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\">credit <\/a>and property valuation \u2013 but you usually don\u2019t need to get a conveyancer involved. In this scenario, you would also choose a different mortgage rate \u2013 so you would have one rate for the loan you took out when you bought your home, and then another mortgage rate for the \u2018further advance\u2019.<\/p>\n\n\n\n<p>If you are getting a further advance at the same time as switching to a new product for your original mortgage, some lenders have processes to make this simple and easy by having the same rate applied to part of your mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much\">How much can you borrow when you remortgage?<\/h2>\n\n\n\n<p>When you remortgage to a new lender, you\u2019ll be making a new mortgage application. The amount you can borrow with a mortgage is determined by an <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">affordability assessment<\/a> and <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\">credit check<\/a>. This is because when you a buy a home, the lender will have rules and policies that are set around the Loan-to-Value (LTV).<\/p>\n\n\n\n<p>Loan to Value (LTV)  is expressed as a percentage, and it reflects the size of the mortgage loan you need as a proportion of the value of the home you want to buy, or in this case, remortgage. The lower your loan size as a proportion of your property value, the lower the LTV.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\">Lenders will also review your credit history<\/a>, monthly income and outgoings, and anyone else\u2019s you\u2019re applying with.<\/p>\n\n\n\n<p>You can apply direct with a lender for a remortgage, or speak to a mortgage broker, who will help you to work out how much you can borrow and what sort of mortgage to take out. They\u2019ll talk through your specific circumstances to help determine the best lender and deal for you.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-related-slim__title\">How much can I borrow with a mortgage?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 id=\"why-do-mortgage-rates-vary-for-new-borrowers-remortgaging-and-product-transfers\" class=\"wp-block-heading\">Why do mortgage rates vary for new borrowers, remortgaging and product transfers?<\/h2>\n\n\n\n<p>When you look for a mortgage deal, you&#8217;ll be asked to answer questions about your current circumstances. Things like: if you&#8217;re applying for a mortgage for the first time, coming to the end of your current deal, or if you&#8217;re buying a new home. And if you&#8217;re looking to stay with your existing lender or move to a new lender.<\/p>\n\n\n\n<p>Your answer will determine the range of rates you&#8217;ll be shown as mortgage deals vary.&nbsp; You can check the <a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\">current UK average mortgage rates here<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"remortgage-cost\">Does it cost to leave your current mortgage?<\/h2>\n\n\n\n<p>Fees you may need to pay to leave your current mortgage include:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Early Repayment Charge (ERC)<\/h4>\n\n\n\n<p>If you\u2019re thinking of leaving an existing mortgage deal, it\u2019s a good idea to check if you\u2019ll need to pay an ERC. The cost of an ERC is based on the outstanding mortgage amount and how long you have left on your current deal. This is usually a percentage of your outstanding balance and often reduces over time.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Product Fee<\/h4>\n\n\n\n<p>Paying a product fee will usually mean you\u2019re able to access a lower mortgage rate than you\u2019d be offered if you took out a mortgage without a product fee. But it doesn\u2019t necessarily mean that a product with a fee is the best option for you. <\/p>\n\n\n\n<p>Depending on the size of your mortgage, the savings you make (both in monthly costs and reducing your mortgage balance) may not outweigh the cost of the fee. So, while paying a fee may enable you to access a lower mortgage rate in the short term, the total amount payable over the course of your mortgage deal could actually end up being more.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Conveyancing fee<\/h4>\n\n\n\n<p>Many remortgages include the cost of the legal work required to register your property with a new lender. If you do need to cover the cost, fees start from around \u00a3300.<\/p>\n\n\n\n<p>Lenders commonly offer a free valuation and cashback or free legals to help reduce the costs of moving your mortgage to them. However, it\u2019s important to check the details of the offer to see if there will be any additional fees charged, for example, if your property is leasehold there may be extra costs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Valuation fee<\/h4>\n\n\n\n<p>Many remortgage deals include a property valuation fee, as your new lender will often cover this.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Broker fee<\/h4>\n\n\n\n<p>Most brokers get paid commission from the lender, which is usually a percentage of the size of your loan.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">The average cost of a mortgage broker varies<\/a>, but you could expect to pay between \u00a3500 and \u00a31,500. The fee might depend on the value of the mortgage, in which case, as a rule of thumb, the fee may be between 0.3% to 1% of the loan amount, or more if your case is complex.<\/p>\n\n\n\n<p>Brokers may not charge a fee if they recommend a product transfer with your existing lender. This is because the process is relatively straight forward for them to complete.<\/p>\n\n\n\n<p>According to the Financial Conduct Authority (FCA), some charge a flat fee, some go for a percentage of the amount you\u2019re borrowing. Others may ask for an hourly rate. If that\u2019s the case, they are required to tell you what might affect the number of hours they spend on your application.<\/p>\n\n\n\n<p>Read more about the <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\">different types of mortgages<\/a> and <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/what-is-a-mortgage-term\/\">how to choose a mortgage term<\/a> that meets your needs, both now and in the future.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\">Explore remortgage options with our Remortgage Calculator<\/a><\/p>\n\n\n<div class=\"row mb-5 mt-4 g-4\" id=\"\"><div class=\"col-12 col-lg-6 mb-2\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/remortgage-calculator\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Explore your options with our Remortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>See your new estimated monthly repayments from your current lender, and the 10 largest UK lenders.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><div class=\"col-12 col-lg-6 \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>What is a mortgage broker or adviser?<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>A mortgage broker will help you to work out how much you can borrow, and they can \u00a0also give you advice if you\u2019re\u00a0remortgaging.<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><\/div>\n\n<div class=\"c-section c-section--primary-lighter my-4 c-section--has-icon\" id=\"\">\n    <h2 class=\"c-section__title\">\n        To summarise&#8230;<div class=\"c-section__title__icon\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png);\"><\/div>    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li>When you remortgage, you\u2019ll be applying for a new mortgage for the home you currently own, from a new lender.<\/li>\n<li>If you\u2019re switching to a new product with the same lender when your current mortgage deal is ending, this is called a product transfer. Some lenders offer better rates if you already have a mortgage with them, but you may also find a better deal with a new lender.<\/li>\n<li>The rates displayed in this article are the average and lowest remortgage rates being offered by lenders to new customers. Product transfer rates are the average and lowest rates being offered to existing customers.<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Early Repayment Charges may apply if you leave your current mortgage during the fixed-rate period. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your mortgage is coming to an end soon, or you\u2019re looking to move to a different type of mortgage, you might be thinking about remortgaging. You could also consider remortgaging if you want to borrow more, so you can take out some of the equity in your property for things like home improvements. When [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1329,"parent":2515,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-2523","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Current UK remortgage rates - Rightmove<\/title>\n<meta name=\"description\" content=\"Find out what the current UK remortgage and product transfer rates are and compare across a range of loan to value sizes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/current-remortgage-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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