Today’s best remortgage rates, before the revert rate kicks in.
Six months before your fix ends is when to act. Compare remortgage best-buys across 40+ lenders — free legals, free valuations, capital raising — re-ranked every night.
Remortgage best rates
Fix ending? The cheapest deals to switch to, before your lender's standard rate bites.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 S Skipton BSBest rate | 3.24% | £1,217on £250,000 | Oct 2028 | 6.29% | None | See full deal → |
| 2 L Leeds BS | 4.43% | £1,380on £250,000 | Sept 2028 | 7.74% | £1,599£200 cashbackFree valuation | See full deal → |
| 3 N Nationwide BS | 4.46% | £1,384on £250,000 | 2 yrs | 6.49% | £999Free valuation | See full deal → |
| 4 Y Yorkshire BS | 4.78% | £1,430on £250,000 | Oct 2028 | 6.74% | NoneFree legalsFree valuation | See full deal → |
| 5 N Nationwide BS | 4.78% | £1,430on £250,000 | 2 yrs | 6.49% | NoneFree valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Remortgaging means replacing your current mortgage with a new deal, either with a different lender or with the same one via a product transfer. Most borrowers reach this decision when a fixed or tracker deal ends and the lender’s follow-on rate applies. That revert rate — shown in the ‘Then’ column on the rate tables — is typically a variable rate set well above current fixed deals. A single month on the revert rate on a £250,000 loan can cost more than the fee on a new fix, so the timing of when you lock a new deal is material.
Remortgage products are structured differently from purchase deals in a few ways that affect the true cost. Free legal work is common — the lender instructs a conveyancer on your behalf and covers the cost, though you remain a client of that firm. A free valuation is also standard at most LTV bands. Capital-raising remortgages — where you increase the loan to release equity — are assessed at the same rates as like-for-like remortgages but underwritten on the larger figure; affordability is tested on the full new loan, not just the increase.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
Mortgages only
We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.
Frequently asked questions
How these tables work, and how to choose between the deals on them.