Unencumbered Remortgages

Unencumbered Remortgages

Unencumbered Remortgages - Unencumbered remortgages are remortgages on properties that are free of debt. Homeowners may wish to take out unencumbered remortgages to raise capital. Reasons may include consolidating debt and raising capital for home improvements or for business purposes. Lenders attach many terms and conditions to unencumbered remortgages and borrowers are reminded of the risk of repossession of their home if repayments on the remortgage are not met.

The advisers at Capital Fortune understand that there may be different reasons for homeowners taking out unencumbered remortgages.

Our specialist team of advisers use our comprehensive panel contact base to secure unencumbered remortgages which are suitable to the personal circumstances of our clients. We are able to access unencumbered remortgages which are not available on the open market, in addition to packages with favourable rates and terms and conditions. We work with our clients to remove the hassle from applying for unencumbered remortgages, and present your details in a favourable light to lenders, maximising the likelihood of a successful application.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

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Residential - Remortgage - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Family BS ATOM Family BS 5 Year Stepped £545 Fee Low Start FAM0.49%Stepped6 months4.54%4.1%APRC5 years £54590%
Product Code: 000631
Product Name: ATOM Family BS 5 Year Stepped £545 Fee Low Start
Lender Code: FAM
Lender Name: Family BS
Initial Pay Rate: 0.49
Mortgage Class: Stepped
Initial Rate Period: 6 months
Initial Rate Period Months: 6
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1460
Initial Monthly Payment: 427.01
Monthly Payment After Initial Period: 653.68
Fees Total: 1154.00
True Cost: 0.00
True Cost Over Initial Period: 2712.06
Cashback: 360.00
Valuation Fee: 380.00
Arrangement Fee: 545.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 90
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 350000.00
Legal Fee: 0.00
Lender Product Reference: XF0048
Detail
Family BS Family BS 5 Year Stepped £545 Fee Low Start FAM0.49%Stepped6 months4.54%4.1%APRC5 years £54590%
Product Code: IMC
Product Name: Family BS 5 Year Stepped £545 Fee Low Start
Lender Code: FAM
Lender Name: Family BS
Initial Pay Rate: 0.49
Mortgage Class: Stepped
Initial Rate Period: 6 months
Initial Rate Period Months: 6
Standard Variable Rate: 4.54
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1460
Initial Monthly Payment: 427.01
Monthly Payment After Initial Period: 653.68
Fees Total: 1055.00
True Cost: 0.00
True Cost Over Initial Period: 2712.06
Cashback: 360.00
Valuation Fee: 380.00
Arrangement Fee: 545.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 90
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 350000.00
Legal Fee: 0.00
Lender Product Reference: XF0048
Detail
TSB Intermediary 2 Year Tracker £1995 Fee Remortgage TSB1.19%TrackerOct-20183.74%3.5%APRC31-Oct-2018 £199560%
Product Code: 0LQ
Product Name: Intermediary 2 Year Tracker £1995 Fee Remortgage
Product Availability: Intermediaries Only
Lender Code: TSB
Lender Name: TSB
Initial Pay Rate: 1.19
Mortgage Class: Tracker
Initial Rate Period: Oct-2018
Initial Rate Period Months: 25
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 31-Oct-2018
Early Repayment Charge Period Sort Field: 1425
Initial Monthly Payment: 470.47
Monthly Payment After Initial Period: 613.48
Fees Total: 2295.00
True Cost: 0.00
True Cost Over Initial Period: 12026.75
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 265.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: INB370
Detail
Platform Intermediary 2 Year Fixed £1499 Fee CTS1.24%FixedJan-20194.49%4.1%APRC31-Jan-2019 £158960%
Product Code: 1F2
Product Name: Intermediary 2 Year Fixed £1499 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.24
Mortgage Class: Fixed
Initial Rate Period: Jan-2019
Initial Rate Period Months: 28
Standard Variable Rate: 4.49
Apr Lenders: 4.1
Early Repayment Charge Applies Until: 31-Jan-2019
Early Repayment Charge Period Sort Field: 1428
Initial Monthly Payment: 471.22
Monthly Payment After Initial Period: 655.09
Fees Total: 1749.00
True Cost: 0.00
True Cost Over Initial Period: 13194.16
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 90.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M863
Detail
Furness BS 2 Year Discount £999 Fee BFU1.24%Discount2 years 5.29%4.9%APRC2 years £99980%
Product Code: RIL
Product Name: 2 Year Discount £999 Fee
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.29
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 706.44
Fees Total: 1149.00
True Cost: 0.00
True Cost Over Initial Period: 11394.64
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 40.00
Product Match Status: Available
MaxLoan Available: 300000.00
Legal Fee: 0.00
Lender Product Reference: DS281
Detail
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.24%Discount2 years 5.29%4.9%APRC2 years £99975%
Product Code: RIM
Product Name: 2 Year Discount £999 Fee (Scottish)
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.29
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 706.44
Fees Total: 1149.00
True Cost: 0.00
True Cost Over Initial Period: 11244.64
Cashback: 150.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 40.00
Product Match Status: Available
MaxLoan Available: 300000.00
Legal Fee: 105.00
Lender Product Reference: DS281
Detail
Teachers BS 2 Year Discount £899 Fee Remortgage TBS1.25%Discount2 years 4.99%4.5%APRC2 years £99860%
Product Code: K3W
Product Name: 2 Year Discount £899 Fee Remortgage
Lender Code: TBS
Lender Name: Teachers BS
Initial Pay Rate: 1.25
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.99
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 465.96
Monthly Payment After Initial Period: 681.30
Fees Total: 1108.00
True Cost: 0.00
True Cost Over Initial Period: 12291.04
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 899.00
Booking Fee: 99.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 45.00
Deeds Release Fee: 40.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: 171
Detail
Vernon BS 2 Year Discount £499 Fee VBS1.25%Discount2 years 4.7%3.9%APRC2 years £49980%
Product Code: Y90
Product Name: 2 Year Discount £499 Fee
Lender Code: VBS
Lender Name: Vernon BS
Initial Pay Rate: 1.25
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.7
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 467.89
Monthly Payment After Initial Period: 665.70
Fees Total: 874.00
True Cost: 0.00
True Cost Over Initial Period: 11604.36
Cashback: 0.00
Valuation Fee: 230.00
Arrangement Fee: 499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 15
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 100.00
Deeds Release Fee: 30.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 250.00
Lender Product Reference: DS85
Detail
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%APRC2 years £189565%
Product Code: S83
Product Name: 2 Year Discount £1895 Fee
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.28
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 475.00
Monthly Payment After Initial Period: 676.79
Fees Total: 2120.00
True Cost: 0.00
True Cost Over Initial Period: 11625.00
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1895.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 0.00
Detail
Leeds BS 2 Year Fixed £1499 Fee BLH1.3%FixedNov-20185.44%4.9%APRC30-Nov-2018 £149975%
Product Code: IQF
Product Name: 2 Year Fixed £1499 Fee
Lender Code: BLH
Lender Name: Leeds BS
Initial Pay Rate: 1.3
Mortgage Class: Fixed
Initial Rate Period: Nov-2018
Initial Rate Period Months: 26
Standard Variable Rate: 5.44
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 30-Nov-2018
Early Repayment Charge Period Sort Field: 1426
Initial Monthly Payment: 474.72
Monthly Payment After Initial Period: 717.84
Fees Total: 1733.00
True Cost: 0.00
True Cost Over Initial Period: 12541.72
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 199.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 120.00
Lender Product Reference: 16536
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Remortgage; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.