Whatever your reasons for moving your mortgage

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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.

You can find more information in our moving your mortgage guide.

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

Applicant #1 income *

Applicant #2 income (optional)

You can borrow up to:

LTV Amount

Property Value

Your Deposit

Your loan-to-value (LTV):

Payment Terms

Mortgage Term

Payment options
Repayment
Interest Only

Variable rate

Borrowing Into Retirement Term Discount
Representative Example

5.89%

6.1% APRC

60%

£499

Product
Borrowing Into Retirement Term Discount
Representative Example

Initial rate
5.89%

Overall cost for comparison
6.1% APRC

Max% LTV
60%

Completion Fee
£499

Family Buy to Let 2 Year Discount
Representative Example

5.84%

7.5% APRC

80%

£0

Product
Family Buy to Let 2 Year Discount
Representative Example

Initial rate
5.84%

Overall cost for comparison
7.5% APRC

Max% LTV
80%

Completion Fee
£0

Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example

5.10%

7.5% APRC

95%

£999

Product
Joint Borrower Sole Proprietor – 3 Year Discount
Representative Example

Initial rate
5.10%

Overall cost for comparison
7.5% APRC

Max% LTV
95%

Completion Fee
£999

2 Year Discount
Representative Example

5.25%

7.6% APRC

95%

£0

Product
2 Year Discount
Representative Example

Initial rate
5.25%

Overall cost for comparison
7.6% APRC

Max% LTV
95%

Completion Fee
£0

Fixed rate

Buy to Let 2 Year Fixed
Representative Example

4.89%

8.0% APRC

80%

£5000

Product
Buy to Let 2 Year Fixed
Representative Example

Initial rate
4.89%

Overall cost for comparison
8.0% APRC

Max% LTV
80%

Completion Fee
£5000

Family Buy to Let 5 Year Fixed
Representative Example

5.49%

7.2% APRC

80%

£0

Product
Family Buy to Let 5 Year Fixed
Representative Example

Initial rate
5.49%

Overall cost for comparison
7.2% APRC

Max% LTV
80%

Completion Fee
£0

Holiday Let 2 Year Fixed Rate
Representative Example

5.49%

7.8% APRC

80%

£0

Product
Holiday Let 2 Year Fixed Rate
Representative Example

Initial rate
5.49%

Overall cost for comparison
7.8% APRC

Max% LTV
80%

Completion Fee
£0

Prime Plus – Buy to Let 5 Year Fixed
Representative Example

6.55%

7.7% APRC

70%

£0

Product
Prime Plus – Buy to Let 5 Year Fixed
Representative Example

Initial rate
6.55%

Overall cost for comparison
7.7% APRC

Max% LTV
70%

Completion Fee
£0

Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example

6.45%

7.7% APRC

60%

£0

Product
Prime Plus – Borrowing Into Retirement 5 Year Fixed
Representative Example

Initial rate
6.45%

Overall cost for comparison
7.7% APRC

Max% LTV
60%

Completion Fee
£0

Prime Plus – 5 Year Fixed
Representative Example

6.35%

7.4% APRC

70%

£0

Product
Prime Plus – 5 Year Fixed
Representative Example

Initial rate
6.35%

Overall cost for comparison
7.4% APRC

Max% LTV
70%

Completion Fee
£0

Prime Plus Shared Ownership 5-Year Fixed
Representative Example

6.55%

7.6% APRC

70%

£0

Product
Prime Plus Shared Ownership 5-Year Fixed
Representative Example

Initial rate
6.55%

Overall cost for comparison
7.6% APRC

Max% LTV
70%

Completion Fee
£0

Family Deposit Mortgage 5 Year Fixed
Representative Example

6.15%

7.5% APRC

100%

£499

Product
Family Deposit Mortgage 5 Year Fixed
Representative Example

Initial rate
6.15%

Overall cost for comparison
7.5% APRC

Max% LTV
100%

Completion Fee
£499

Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

6.25%

7.5% APRC

100%

£499

Product
Joint Borrower Sole Proprietor & Deposit Guarantee 5 Year Fixed
Representative Example

Initial rate
6.25%

Overall cost for comparison
7.5% APRC

Max% LTV
100%

Completion Fee
£499

Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

5.55%

7.3% APRC

95%

£999

Product
Joint Borrower Sole Proprietor – 5 Year Fixed
Representative Example

Initial rate
5.55%

Overall cost for comparison
7.3% APRC

Max% LTV
95%

Completion Fee
£999

Borrowing Into Retirement 5 Year Fixed
Representative Example

5.49%

7.3% APRC

60%

£0

Product
Borrowing Into Retirement 5 Year Fixed
Representative Example

Initial rate
5.49%

Overall cost for comparison
7.3% APRC

Max% LTV
60%

Completion Fee
£0

Borrowing Into Retirement 2 Year Fixed
Representative Example

4.99%

7.8% APRC

60%

£999

Product
Borrowing Into Retirement 2 Year Fixed
Representative Example

Initial rate
4.99%

Overall cost for comparison
7.8% APRC

Max% LTV
60%

Completion Fee
£999

Large Loan/LTI 5 Year Fixed
Representative Example

5.69%

7.0% APRC

80%

£0

Product
Large Loan/LTI 5 Year Fixed
Representative Example

Initial rate
5.69%

Overall cost for comparison
7.0% APRC

Max% LTV
80%

Completion Fee
£0

Large Loan/LTI 2 Year Fixed
Representative Example

5.79%

7.7% APRC

95%

£999

Product
Large Loan/LTI 2 Year Fixed
Representative Example

Initial rate
5.79%

Overall cost for comparison
7.7% APRC

Max% LTV
95%

Completion Fee
£999

2 Year Fixed
Representative Example

5.19%

7.7% APRC

95%

£999

Product
2 Year Fixed
Representative Example

Initial rate
5.19%

Overall cost for comparison
7.7% APRC

Max% LTV
95%

Completion Fee
£999

5 Year Fixed
Representative Example

5.39%

7.1% APRC

95%

£0

Product
5 Year Fixed
Representative Example

Initial rate
5.39%

Overall cost for comparison
7.1% APRC

Max% LTV
95%

Completion Fee
£0

5 Year Fixed
Representative Example

4.99%

7.0% APRC

95%

£1499

Product
5 Year Fixed
Representative Example

Initial rate
4.99%

Overall cost for comparison
7.0% APRC

Max% LTV
95%

Completion Fee
£1499

Shared Ownership 2 Year Fixed
Representative Example

5.85%

7.8% APRC

95%

£0

Product
Shared Ownership 2 Year Fixed
Representative Example

Initial rate
5.85%

Overall cost for comparison
7.8% APRC

Max% LTV
95%

Completion Fee
£0

Shared Ownership 5 Year Fixed
Representative Example

5.45%

7.2% APRC

95%

£0

Product
Shared Ownership 5 Year Fixed
Representative Example

Initial rate
5.45%

Overall cost for comparison
7.2% APRC

Max% LTV
95%

Completion Fee
£0