If your current rate is coming to an end, you may want to look for a new deal.

Normally after your existing promotional rate has come to an end, your mortgage will go on to the standard variable rate which could increase your monthly payments. Take a look at our rates & fees to see if you could save some money.

Your current mortgage may no longer be as competitive as it was when you took it out. Remortgaging may reduce your monthly payments and save you some money.

You can remortgage even if your current mortgage term isn't finished. But make sure it's worth it, or you might end up paying more in the long run. You may have to pay exit fees or early repayment charges on your old mortgage and application or product fees (PDF, 122KB) for your new mortgage.

We don't always charge fees on our mortgage products, so we could have the one you're looking for. Want to see how much you may be able to borrow? Try our mortgage calculator to give you an idea.

If you want to make some home improvements, remortgaging your home may be a way to free up some cash to help you do it. You can release some of the equity you have in your property to go towards the costs.

Whether you want to spruce up the kitchen, add another bedroom or remodel your garden, it’s worth considering a remortgage.

When you release equity you borrow more, so you'll be paying more each month. Do your sums to make sure you can take on the extra commitment. Your first port of call should be to your current mortgage provider to see if they can help you.

If you don't want to continue with your current provider, or if you’d like to discuss your remortgage options, then please call us to talk to one of our mortgage advisers about what we can offer. They'll make sure you can afford the new payments and advise on the best option for you. You can contact our team on 0345 111 8010**.

Remember, if you get behind on your payments, you could lose your home.

Want to see how much you may be able to borrow? Try our mortgage calculator to give you an idea.

Life changes quickly. If your income or outgoings change unexpectedly, you might want to think about changing your mortgage too.

If you’ve managed to save a bit of money lately, you could pay a lump sum off your mortgage and reduce your monthly payments. Or you may be looking for more flexibility in your mortgage so you can pay a little bit more when you can.

Or if you need to tighten your belt, you could remortgage for a better rate or choose a deal with underpayment options, so you can take a payment holiday if required.

Want to see how much you may be able to borrow? Try our remortgage calculator to give you an idea.

Whichever interest rate you want, we've got plenty to choose from.

If it's flexibility you're after, all of our mortgages come with things like overpayments and underpayments*. We've even got fee assisted mortgages to help with the upfront costs.

*Terms and conditions apply to all our flexible features.

Ready to apply for a remortgage? Find out more about our remortgage deals and the benefits that come with it.

Do the maths before you make any changes to your mortgage to make sure it’s worth it and that you’ll be better off when you remortgage. Here are some questions to think about.

• Does your current mortgage charge you an exit fee or early repayment charge?
• What fees will you have for setting up your new mortgage?
• Will you need to pay any legal costs with your new mortgage? Some come with fee assisted legal services, but always double check.

Use our budget planner to jot down your incomings and outgoings to get a good idea of what you can afford.

When you're ready, check out our apply page to begin your application.

We’ll ask questions about your finances to make sure you can afford the remortgage, and to make sure we are lending responsibly. Getting everything ready can help speed up the application process.

We need to know:

• Your address for the last three years.
• Details about your job.
• Your yearly income including any bonuses and overtime.
• What you spend every month (like any loan and credit card payments).
• What your household spends every month (on things like food, energy, water and travel).
• Details of your property.

When you apply, we'll ask to see things like:

• Your payslips to evidence any income you receive
• If you are looking to include any bonuses, commission or overtime, we’ll also need to see a recent P60
• Bank statements for your current account so that we can assess your affordability
• Proof of your name and address – like your passport, driving licence or utility bills
• Proof that any deposit which was a gift does not need to be paid back. This could be a letter from the person who gave it to you confirming this.

During your mortgage application, we’ll let you know exactly what we need in order to complete this. It’s important to be as accurate as possible when running through your application so it’s helpful to have this information to hand. Check out our Income and ID guide for more information on what we might ask for.

As well as the relevant things from the list above, you’ll also need to show us at least one of the following:

• Certified accounts signed off by a suitably qualified accountant
• Self-Assessment Tax Calculation Forms (SA302) accompanied by Tax Year Overviews
• Accountant’s certificates signed off by a suitable qualified accountant

Accountants signing and verifying your financial statements or accountant's certificates must be a member of a suitable professional body i.e.:

• Institute of Chartered Accountants, CA, ACA or FCA
• Institute of Chartered Accountants in Scotland, ICAS, ACAS, FCAS
• Institute of Chartered Accountants in Ireland, ICAI
• Chartered Association of Certified Accountants, ACCA or FCCA
• Chartered Institute of Taxation, ATII or FTII
• Association of Authorised Public Accounts, AAPA or FAPA
• Chartered Institute of Management Accountants, CIMA, ACMA or FCMA
• Association of Accounting Technicians, MAAT or FMAAT
• Association of International Accountants, AAIA or FAIA

During your mortgage application, we’ll let you know exactly what we need in order to complete this. It’s important to be as accurate as possible when running through your application so it’s helpful to have this information to hand. Check out our Income and ID guide for more information on what we might ask for.

There are three steps to applying for a remortgage on your home.

1. Get a decision in principle

To make sure you can remortgage and get the mortgage you're after, you need to get a decision in principle first. As part of the decision in principle, we need to know things like how much money you earn and your spending habits. From that information, we can decide how much we could lend you.

Get a decision in principle

2. Apply for your mortgage

Once you have your decision in principle, you're ready to complete the rest of your remortgage application. We'll need to check a few more details then we can get things moving for you. If you’re ready to begin the process or have any questions, check out our apply page for more information. 

Apply now

3. Make it legally binding

You'll need a solicitor or conveyancer to take care of the legal work for your mortgage application, and a valuer to find out what your property is worth. You may be able to get fee assisted legal services with some mortgages, so always double check what your mortgage includes.

When you apply to remortgage your home we’ll do a credit check. Look to put any errors right on your credit report and see if there's anything else on there that could trip you up. Just one late payment could make all the difference – even if it was years ago.

Check out our handy guide to credit scores.

We will look to arrange a valuation of your property to confirm what its worth and make sure there are no major defects that will potentially affect the security. During your application, we’ll tell you if there are any costs to arrange your valuation, some of our mortgages even come with a free standard valuation meaning even more savings for you.