Best 5-year fixed remortgage rates, certainty from a stronger position.
The market’s most popular remortgage term. Re-ranked nightly from 40+ lender product books — with the free-legal and cashback deals borrowers most often overlook.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N NatWest GroupBest rate | 4.38% | £1,373on £250,000 | 5 yrs | 6.74% | £5,999Free legals | See full deal → |
| 2 N Nationwide BS | 4.53% | £1,394on £250,000 | 5 yrs | 6.49% | £999£500 cashbackFree valuation | See full deal → |
| 3 H HSBC Bank | 4.56% | £1,398on £250,000 | Oct 2031 | 6.24% | £999Free valuation | See full deal → |
| 4 N Nationwide BS | 4.68% | £1,415on £250,000 | 5 yrs | 6.49% | None£500 cashbackFree valuation | See full deal → |
| 5 H HSBC Bank | 4.69% | £1,417on £250,000 | Oct 2031 | 6.24% | 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.
When you remortgage onto a 5-year fix, you’re usually doing so from a materially different position than when you took your original mortgage. Repayments and — in most markets — price appreciation mean that years of ownership often push the loan into a better LTV band than you started at. That shift can open rate tiers that weren’t accessible on your original purchase, and a 5-year fix locks in that improved pricing for half a decade. Checking your current LTV before you search is worth the two minutes it takes.
The incentive structure on 5-year remortgage deals is also worth examining carefully. Many lenders bundle free legal work and a free valuation specifically to make the switching process feel painless; these are most common on the 5-year remortgage range because that’s where the competition for reliable, low-churn borrowers is sharpest. A deal with free legals and a slightly higher rate can easily beat the headline-rate deal once conveyancing costs are stripped out — the incentives column above makes that comparison visible in one row.
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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.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.