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Moving your mortgage

There are lots of reasons why you might want to move your mortgage. Maybe you'd like to repay the Government loan on your Help to Buy mortgage, reduce your monthly repayments or the term of your mortgage, or maybe you want some extra money for home improvements. Whatever you're looking for we can find the right mortgage for you. 

You can use our mortgage calculator to find out how much you could potentially borrow, which products are available to you and how much your monthly payments would be.

Try our mortgage calculator

How much can I borrow?

How much can I borrow and what would it cost?

Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income

 

Mortgage details

 

Payment options

Your monthly repayments

 
Range dependent on the products in the comparison list below

Moving your mortgage

Variable Rate Mortgages
Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

1.49% 4.7% APRC 80% £1,499 View
for 24 months
find out more

Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 2 years (24 months) of 1.49% and then on our current standard variable rate of 5.34% for the remaining 15 years and 4 months (184 months) would require 24 monthly payments of £758.83 then 184 monthly payments of £994.49. The total amount payable would be £203,314.95 made up of the loan amount plus interest (£62,334.95) with a £200.00 valuation fee, £1,499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.7% representative APRC.

2 Year Discount

2.45% 4.9% APRC 85% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 2 years (24 months) of 2.45% and then on our current standard variable rate of 5.34% for the remaining 15 years and 7 months (187 months) would require 24 monthly payments of £1,406.17 then 187 monthly payments of £1,722.94. The total amount payable would be £358,035.76 made up of the loan amount plus interest (£115,626.76) with a £999.00 completion fee, £290.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.9% representative APRC.

2 Year Discount

1.74% 4.7% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £198,689.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 2 years (24 months) of 1.74% and then on our current standard variable rate of 5.34% for the remaining 15 years and 4 months (184 months) would require 24 monthly payments of £1,107.20 then 184 monthly payments of £1,424.52. The total amount payable would be £290,528.84 made up of the loan amount plus interest (£90,325.84) with a £999.00 completion fee, £260.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.7% representative APRC.

2 Year Discount

2.39% 4.8% APRC 90% £250 View
for 24 months
find out more

Representative example

A Mortgage of £228,227.00, payable over 18 years and 4 months (220 months) initially on a discounted rate for 2 years (24 months) of 2.39% and then on our standard variable rate of 5.34% for the remaining 16 years and 4 months (196 months) would require 24 monthly payments of £1,282.23 then 196 monthly payments of £1,591.94. The total amount payable would be £343,799.71 made up of the loan amount plus interest (£115,067.71) with a £250.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.  

Specialist Self Employed 3 Year Discount

2.39% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 3 years (36 months) of 2.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 7 months (175 months) would require 36 monthly payments of £1,399.27 then 175 monthly payments of £1,701.70. The total amount payable would be £349,962.57 made up of the loan amount plus interest (£107,843.57) with a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.5% representative APRC.

Fixed Rate Mortgages
Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

3 Year Fixed

2.14% 4.6% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £179,674.00, payable over 21 years and 5 months (257 months) initially on a fixed rate for 3 years (36 months) of 2.14% and then on our standard variable rate of 5.34% for the remaining 18 years and 5 months (221 months) would require 36 monthly payments of £872.14 then 221 monthly payments of £1,133.06. The total amount payable would be £283,577.99 made up of the loan amount plus interest (£102,449.99) with a £999.00 completion fee, £200.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.6% representative APRC.

Specialist Self Employed 3 Year Fixed

2.79% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of £173,383.00, payable over 20 years and 4 months (244 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 17 years and 4 months (208 months) would require 36 monthly payments of £931.90 then 208 monthly payments of £1,133.40. The total amount payable would be £271,002.71 made up of the loan amount plus interest (£96,365.71) and a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

How to apply...

The Loughborough mortgage service is tailored to each individual and offered on a fully advised basis where applicable. Our qualified advisers will spend time with you to understand your mortgage needs and financial circumstances before recommending the most suitable solution for you.

There are a number of ways you can arrange to talk to one of our friendly team of Advisers, choose what’s best for you: