With customers looking to find the best rates, remortgaging is becoming the busiest area of the business for many brokers. Our database currently has 391 products from 10 lenders, initial fixed rates are between 2.79% and 6.74% with varying LTV percentages.
With customers looking to find the best rates, remortgaging is becoming the busiest area of the business for many brokers. Our database currently has 395 products from 10 lenders, initial fixed rates are between 2.79% and 6.74% with varying LTV percentages.
Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of November 11, 2026 and rates are subject to change.
First-Time Buyer Mortgage Rates –
2-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| COVENTRY BS | First Time Buyer Fixed Rate Offset | 2 years | 5.49% | 6.5 APRC | £999.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.05% | 6.4 APRC | £999.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.11% | 6.4 APRC | £999.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.20% | 6.4 APRC | £999.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.29% | 6.4 APRC | £999.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.57% | 6.5 APRC | £999.00 | 95% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.29% | 6.4 APRC | £0.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.34% | 6.4 APRC | £0.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.43% | 6.4 APRC | £0.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.51% | 6.4 APRC | £0.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate | 2 years | 5.71% | 6.5 APRC | £0.00 | 95% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.31% | 6.2 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 5.09% | 6.3 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.06% | 6.3 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.15% | 6.1 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.36% | 6.2 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 5.17% | 6.3 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.12% | 6.3 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.27% | 6.1 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.36% | 6.2 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 5.17% | 6.3 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.12% | 6.3 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.27% | 6.1 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.44% | 6.3 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 5.24% | 6.3 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.19% | 6.3 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.50% | 6.1 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.44% | 6.3 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 5.24% | 6.3 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.19% | 6.3 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.50% | 6.1 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.59% | 6.3 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 5.38% | 6.3 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Premier Standard | 2 years | 5.33% | 6.3 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.81% | 6.2 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.77% | 6.3 APRC | £0.00 | 95% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 2 years | 5.24% | undefined | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 2 years | 5.29% | undefined | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Tracker Rate | 2 years | 4.18% | undefined | £1499.00 | 60%-75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 2 years | 5.22% | 6.6 APRC | £999.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 2 years | 5.45% | 6.5 APRC | £0.00 | 75% |
| NATIONWIDE BS | First Time Buyer Tracker | 2 years | 4.22% | 6.3 APRC | £999.00 | 75% |
| NATIONWIDE BS | First Time Buyer Tracker | 2 years | 4.84% | 6.3 APRC | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.19% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.41% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.41% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.75% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.72% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.90% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.90% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Tracker | 2 years | 4.95% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 2 years | 5.21% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 2 years | 5.21% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.26% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 2 years | 5.30% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.35% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 2 years | 5.30% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 2 years | 5.30% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 2 years | 5.35% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.35% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 2 years | 5.36% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.41% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.43% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.52% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 2 years | 5.59% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.59% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 2 years | 5.60% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.60% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 2 years | 5.85% | undefined | £0.00 | 75% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate Cashback | 2 years | 5.27% | 6.5 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 2 years | 5.27% | 6.5 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate Cashback | 2 years | 5.52% | 6.5 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 2 years | 5.39% | 6.5 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 2 years | 5.39% | 6.5 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 2 years | 5.52% | 6.5 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 2 years | 5.64% | 6.6 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate Cashback | 2 years | 5.64% | 6.6 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Tracker New Build Exclusive | 2 years | 5.15% | 6.5 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Tracker | 2 years | 5.15% | 6.5 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 2 years | 5.85% | 6.6 APRC | £0.00 | 95% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate Cashback | 2 years | 5.85% | 6.6 APRC | £0.00 | 95% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.14% | 7.1 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.14% | 7.1 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.39% | 7.1 APRC | £0.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 2 years | 5.39% | 7.1 APRC | £0.00 | 75% |
| TSB | First Time Buyer Tracker Rate | 2 years | 4.49% | 7.0 APRC | £995.00 | 75% |
| TSB | First Time Buyer Tracker Rate | 2 years | 4.49% | 7.0 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 2 years | 5.00% | 6.4 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Cashback | 2 years | 5.36% | 6.5 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Tracker | 2 years | 4.38% | 6.3 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 2 years | 5.36% | 6.5 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Offset | 2 years | 5.40% | 6.5 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Cashback | 2 years | 5.00% | 6.4 APRC | £995.00 | 75% |
First-Time Buyer Mortgage Rates –
3-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| COVENTRY BS | First Time Buyer Fixed Rate | 3 years | 5.09% | 6.2 APRC | £999.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate | 3 years | 5.11% | 6.2 APRC | £999.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 3 years | 5.25% | 6.3 APRC | £999.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.37% | 6.3 APRC | £999.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.58% | 6.4 APRC | £999.00 | 95% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.27% | 6.2 APRC | £0.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.30% | 6.2 APRC | £0.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.43% | 6.3 APRC | £0.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.57% | 6.3 APRC | £0.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 3 years | 5.70% | 6.4 APRC | £0.00 | 95% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 3 years | 5.15% | undefined | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 3 years | 5.20% | undefined | £0.00 | 60%-75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 3 years | 5.22% | 6.4 APRC | £999.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 3 years | 5.45% | 6.4 APRC | £0.00 | 75% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 3 years | 5.27% | 6.4 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 3 years | 5.27% | 6.4 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 3 years | 5.47% | 6.4 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 3 years | 5.47% | 6.4 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 3 years | 5.38% | 6.4 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 3 years | 5.38% | 6.4 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 3 years | 5.58% | 6.5 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 3 years | 5.58% | 6.5 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 3 years | 5.83% | 6.5 APRC | £0.00 | 95% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 3 years | 5.83% | 6.5 APRC | £0.00 | 95% |
| TSB | First Time Buyer Fixed Rate | 3 years | 5.09% | 7.0 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 3 years | 5.09% | 7.0 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 3 years | 5.34% | 7.0 APRC | £0.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 3 years | 5.34% | 7.0 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 3 years | 5.11% | 6.4 APRC | £995.00 | 75% |
First-Time Buyer Mortgage Rates –
5-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| COVENTRY BS | First Time Buyer Fixed Rate Offset | 5 years | 5.56% | 6.2 APRC | £999.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 5 years | 4.99% | 5.9 APRC | £999.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate | 5 years | 5.12% | 5.9 APRC | £999.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate | 5 years | 5.19% | 6.0 APRC | £999.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate | 5 years | 5.26% | 6.0 APRC | £999.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.62% | 6.3 APRC | £999.00 | 95% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.10% | 5.9 APRC | £0.00 | 65% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.23% | 5.9 APRC | £0.00 | 75% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.30% | 6.0 APRC | £0.00 | 85% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.39% | 6.0 APRC | £0.00 | 90% |
| COVENTRY BS | First Time Buyer Fixed Rate FTB | 5 years | 5.67% | 6.2 APRC | £0.00 | 95% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.14% | 5.9 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 5.04% | 6.0 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.01% | 5.9 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.29% | 6.0 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 5.18% | 6.0 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.13% | 6.0 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.29% | 6.0 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 5 years | 5.18% | 6.0 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.13% | 6.0 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.33% | 6.0 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 5.22% | 6.0 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.17% | 6.0 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.33% | 6.0 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 5.22% | 6.0 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.17% | 6.0 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.41% | 6.1 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 5.30% | 6.1 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 5.25% | 6.1 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.79% | 6.2 APRC | £0.00 | 95% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 5 years | 5.19% | undefined | £0.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 5 years | 5.24% | undefined | £0.00 | 60%-75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 5 years | 5.14% | 6.2 APRC | £999.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 5 years | 5.29% | 6.1 APRC | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 5 years | 5.08% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 5 years | 5.08% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.13% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 5 years | 5.17% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Green Mortgage | 5 years | 5.21% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate Online Only | 5 years | 5.21% | undefined | £1495.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.22% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 5 years | 5.26% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.26% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 5 years | 5.31% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.31% | undefined | £995.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.28% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 5 years | 5.36% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.34% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.36% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate First time buyer exclusive cashback | 5 years | 5.44% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.44% | undefined | £0.00 | 75% |
| NATWEST BANK PLC | First Time Buyer Fixed Rate | 5 years | 5.75% | undefined | £0.00 | 75% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.23% | 6.2 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 5 years | 5.23% | 6.2 APRC | £999.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.35% | 6.2 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 5 years | 5.35% | 6.2 APRC | £0.00 | 85% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.34% | 6.3 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 5 years | 5.34% | 6.3 APRC | £999.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 5 years | 5.46% | 6.3 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 5 years | 5.46% | 6.3 APRC | £0.00 | 90% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate Cashback | 5 years | 5.73% | 6.4 APRC | £0.00 | 95% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate New Build Exclusive | 5 years | 5.73% | 6.4 APRC | £0.00 | 95% |
| TSB | First Time Buyer Fixed Rate | 5 years | 5.14% | 6.7 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 5 years | 5.14% | 6.7 APRC | £995.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 5 years | 5.29% | 6.7 APRC | £0.00 | 75% |
| TSB | First Time Buyer Fixed Rate | 5 years | 5.29% | 6.7 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 5 years | 5.04% | 6.2 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 5 years | 5.26% | 6.3 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Cashback | 5 years | 5.26% | 6.3 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Offset | 5 years | 5.44% | 6.4 APRC | £995.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate Cashback | 5 years | 5.04% | 6.2 APRC | £995.00 | 75% |
First-Time Buyer Mortgage Rates –
10-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 10 years | 5.58% | undefined | £999.00 | 60%-75% |
| LLOYDS BANK | Club Lloyds First Time Buyer Fixed Rate Cashback | 10 years | 5.67% | undefined | £0.00 | 60%-75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 10 years | 5.39% | 6.0 APRC | £999.00 | 75% |
| NATIONWIDE BS | First Time Buyer Fixed Rate | 10 years | 5.44% | 5.9 APRC | £0.00 | 75% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 10 years | 5.34% | 5.5 APRC | £999.00 | 75% |
| SANTANDER UK PLC. | First Time Buyer Fixed Rate | 10 years | 5.44% | 5.7 APRC | £0.00 | 75% |
| YORKSHIRE BS | First Time Buyer Fixed Rate | 10 years | 6.45% | 6.7 APRC | £995.00 | 75% |
Remortgage Rates FAQs
Who is offering the best remortgage rates?
Remortgage rates do vary but currently (Feb 2023) Coventry Building Society have the best rates, however these do depend on individual circumstances. The best remortgage rates will vary depending on time length of mortgage, your reason for remortgaging and whether you are looking to take extra money on your mortgage against your property.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges.
Is remortgaging a good idea now?
Whilst rates are still unpredictable, they are slowly coming down so it is worth checking what your options are if your current rate is coming to an end. Depending on your circumstances, remortgaging
is more often than not a very good idea, whether that is due to your current deal ending or if you are looking to renovate your home.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges.
What is remortgage and how does it work?
Remortgaging is where you take out a new mortgage on an existing property, either to replace your existing mortgage at the end of the term or to move to a better rate, or to borrow money against your property.
Remortgaging can save you money as when your current deal ends your mortgage rate will jump to the lender’s standard variable rate which is usually the most expensive option. By switching at the end of your rate term, you will avoid this higher rate.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges which is worth looking at prior to making any decisions although if your rate was fixed when rates were high, the savings could be significant even when considering these early repayment charges.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
Is it wise to remortgage your house?
It can be beneficial to remortgage for a number of different reasons:
- If your current mortgage deal term is due to end
- You want a better rate
- Your home has significantly increased in value
- You want to switch from an interest only mortgage to repayment
- You want to borrow more against your property
Depending on your circumstances, remortgaging is more often than not a very good idea, whether that is due to your current deal ending or if you are looking to renovate your home.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is
beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges.
