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

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Coming to the end of your current mortgage with your existing lender, or just looking for a better deal? If you simply want to know you’re covering all the bases, our guide should help to shed some light on the subject.

Reasons to remortgage

Save money

Interest rates change regularly so you may need to review the rate on your current deal. If rates are lower at the time, this could make your monthly mortgage payments lower.

Release equity

Instead of moving to a bigger house you might be thinking about an extension or conversion. Remortgaging is a way to release some equity in your property to pay for this.

If you simply want to pay off other debts, it's important to remember the amount you owe on your mortgage will go up but the value of your home may not.

Make sure you understand the risks with extra borrowing on your mortgage and that you can afford the new monthly payments as your home could be repossessed if you don’t keep up with your repayments.

Change in financial circumstances

People's personal circumstances change – like changes to your income or outgoings, or a major life event. If this happens you might decide that it’s time to review your mortgage.

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Our mortgages explained

We have lots of different mortgage options, from Repayment and Offset, to Fixed, Tracker and Standard Variable Rate. If you’re not sure what any of this means, we can help.

About our mortgages and rate types

How much can you borrow?

We have a handy calculator to give you a rough idea of what you may be able to borrow – simply add a few details and get an indication in seconds.

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