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By Pete Mugleston  | Mortgage Advisor Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 29th October 2019 *

Remortgaging for a better deal or to borrow more money can be easy and relatively quick. To get a quote for your new rate please fill out the form on our mortgage quotes page or give us a call on 0808 189 2301.

We’ll find the perfect mortgage broker for you - for free

Save time and money with an expert mortgage broker who specialises in cases like yours

  • We've helped over 100,000 get the right advice
  • Our form only takes a minute, then let us do the hard work
  • Save up to £400 per year with the right advice (source: FCA)
  • All the brokers we work with have whole of market access

Remortgage quote rates based on LTV:

  • Remortgage deals at 95% LTV
  • Remortgage deals at 90% LTV
  • Remortgage deals at 80% LTV
  • Remortgage deals at 70% LTV
  • Remortgage deals at 60% LTV and below

Remortgage quotes based on specific borrower type:

  • Buy-to-let remortgages
  • Shared ownership remortgages
  • Bad credit remortgages
  • Self-employed remortgages

Getting a remortgage quote can be quick and simple for many of our customers, all we need to know is your income, age, property value and loan amount

Today's best deals:

If you have clean credit and can easily afford the mortgage, then you can get remortgage quotes online and search the tables for today’s best deals. 

For those with bad credit or more complex income statuses the process is slightly more difficult as you’ll not be sure about which lenders and products you’re actually eligible for. That’s where speaking to an advisor is crucial. Get in touch on 0808 189 2301 for a free, no obligation chat.

How does LTV affect the mortgage rate?

Lenders base their rates to customers on the cost to them for lending the money, and risk the loan will not be paid back. Therefore, if you’re borrowing at 90% LTV, the risk of the property not being sold for enough to repay the loan plus costs is higher than at 70% LTV – so the rate is likely to be higher.

There are far fewer remortgages available at 90% LTV and, as a result, the range to choose from is limited. This lack of competition also creates higher rates, with the most competitive deals being 75% LTV and below – as this is safer business and covers most of the population.

How does borrowing purpose affect the mortgage rate?

The type of remortgage you want also affects which lenders you can choose. For instance, debt consolidation at 90% will only be possible with a few lenders. Borrowing to buy a new property may be limited to 80% LTV with some lenders and 90% with others. For more information, see our remortgage guide.

If you're ready to make an enquiry please fill out our quick form below and one of the whole-of-market mortgage experts will be in touch ASAP. If you require immediate assistance please give us a call on 0808 189 2301 or apply for a decision in principle.


Updated: 29th October 2019
OnlineMortgageAdvisor 2019 ©

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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