21 articles tagged with Remortgage.
Start looking 6 months before your fix ends. How to lock a rate early, calculate ERCs, compare 2yr vs 5yr vs tracker, and decide whether to port or overpay first.
Comparing 2-year and 3-year fixed rate UK mortgages for 2026/27 — rate differences, flexibility, remortgaging costs, and a worked cost comparison.
Should UK buyers use a mortgage broker or apply directly with a lender in 2026/27? A practical comparison of cost, access to deals, and when each approach makes sense.
How landlords with four or more buy-to-let mortgages should approach remortgaging under PRA portfolio rules, including staggering deal dates, blanket facilities and a worked five-property example.
How to remortgage in the UK with defaults, CCJs, or missed payments on your credit file in 2026/27 — specialist lenders, rates, and a worked example.
How UK landlords release equity from a buy-to-let property via remortgage in 2026/27 — ICR limits, tax treatment of the funds raised, and a worked example.
How a transfer of equity and remortgage works when buying out an ex-partner's share of a UK property in 2026/27, including affordability, Stamp Duty, and worked figures.
What to do in the six months before your fixed-rate mortgage deal ends, including the standard variable rate trap and how to compare a product transfer against a full remortgage.
Most lenders want 2-3 years of accounts or tax returns before offering a self-employed remortgage. How income averaging, retained profit and specialist lenders work in 2026/27.
A further advance from your existing lender and a full remortgage both release equity for home improvements, but they work very differently. Costs, speed and rate risk compared.
'Mortgage prisoners' are borrowers unable to remortgage onto a cheaper deal despite paying reliably. Why they get trapped, what's changed, and options for escaping a high SVR.
Rolling credit card and loan debt into your mortgage can cut monthly payments but cost more over time. Here is how to weigh a consolidation remortgage in 2026.
How early repayment charges work on a UK fixed-rate mortgage, when they apply, and how to work out whether paying one is worth it in 2026.
What a green mortgage is, how EPC ratings can earn you cashback or a lower rate, and whether the savings are worth chasing for UK buyers in 2026.
Let to buy lets you rent out your current home and buy a new one to live in. Here is how the mortgages, deposits and stamp duty surcharge work in 2026.
Adding a GBP 999 product fee to your mortgage instead of paying upfront can quietly cost far more over a 25-year term because you pay interest on it. Here is the maths and when each choice makes sense.
What negative equity means, how to check if you are in it, and the realistic options for UK homeowners who owe more than their property is worth in 2026.
When a second charge mortgage beats a remortgage for raising money against your home, and how UK borrowers should compare the two options in 2026.
BoE base rate at 4.25% in May 2026 with cuts expected. Should you fix at ~4.2% for 2 years or track the base rate at ~4.65% and ride cuts down? Full break-even maths on a £250,000 mortgage.
Where are UK mortgage rates heading in 2026? We explain the Bank of England base rate outlook, how swap rates feed into fixed deals, and how to choose between a fixed rate and a tracker for your remortgage.
Paying an Early Repayment Charge to exit a high-rate fix early can save thousands — if the maths work. Here's the break-even calculation, current 2026 market rates, and when to wait instead.
