Remortgaging

Remortgaging can allow you to reduce your mortgage payments or improve your borrowing terms. You can also use it as a way to release some equity in your property, in other words to take some money out of your home to use it for something else such as school fees or home improvements. We’ll show you the range of remortgage options available to you and ensure you don’t pay more than you need to.

If you don’t get the right advice, a mistake can be costly, particularly when it comes to early repayment charges (ERCs) and fees. We have sight of the whole mortgage market, so we can tailor the most appropriate product from the vast number of lenders available.

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Calculators

Try our calculators for an estimate of how much you could borrow for a mortgage, what your monthly mortgage repayments might be, and how much stamp duty will be due on your property purchase. There are a number of factors that will impact on your borrowing potential and your mortgage repayments, and we’d recommend that you also speak to one of our mortgage brokers to discuss your individual circumstances. Please note that these calculators are for illustrative purposes and general interest only.

Need further assistance? If you’re having any issues with our calculators or would like to talk to us about your financial arrangements, please call 02072682580

How Much Can I Borrow?

How much can I borrow?

How many people are applying?*

Applicant one

Applicant Two

* If you are looking to borrow with two or more other people, please contact us for specialist advice.


You Could Borrow Up to (£)

Mortgage Calculator

Mortgage Calculator


Monthly Costs
Interest Only (£)

Repayment Basis (£)

Stamp Duty Calculator

Stamp Duty Calculator

Please only check a box if it is applicable to your circumstances. The calculation will work with no boxes ticked (for example, if you are a home mover selling an existing property and buying another to live in).


Results
Stamp Duty to Pay

Effective Rate

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Mortgage Headline Rates

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  • 5 Year Fixed Rate at 1.79%
  • 2 Year Tracker Rate at 1.29%
  • 2 Year Buy to Let Tracker Rate at 1.39%
  • 5 Year Buy to Let Fixed Rate at 2.04%

In addition to some of the headline rates shown here, we have access to a range of bespoke mortgages from private banks and alternative lenders that we can discuss with you personally and confidentially, tailored to you.

Mortgage Rate available to:

Purchases and Remortgages

Initial Rate Payable %

1.79%

Initial Rate Period / Expiry Date

29 June 2024

Reverting to a variable Rate

4.99%

Annual Percentage Rate of Charge (APRC)

3.80%

Loan to Value

60.00%

Lenders Arrangement Fee

£1499.00

Early Repayment Charges (ERCs)

5% to 30/06/2020, 4% to 30/06/2021, 3% to 30/06/2022, 2% to 30/06/2023, 1% to 30/06/2024

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,488.43

Number of monthly payments

300

Total Amount Payable

£941,935.21 over 25 years

Mortgage Rate available to:

Purchasers Only

Initial Rate Payable %

1.29%

Initial Rate Period / Expiry Date

29 June 2021

Reverting to a variable Rate

4.24%

Annual Percentage Rate of Charge (APRC)

3.80%

Loan to Value

60.00%

Lenders Arrangement Fee

£999.00

Early Repayment Charges (ERCs)

1.40% of amount repaid until 30/06/2020, 0.9% of amount repaid until 30/06/2021

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Repayment

Monthly payment at Inital Rate Payable

£2,344.77

Number of monthly payments

300

Total Amount Payable

£932,179.77 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

1.39%

Initial Rate Period / Expiry Date

30 May 2021

Reverting to a variable Rate

4.74

Annual Percentage Rate of Charge (APRC)

4.40%

Loan to Value

60.00%

Lenders Arrangement Fee

£1995.00

Early Repayment Charges (ERCs)

2.00% of the amount repaid until 31/05/2020, 1.00% of the amount repaid until 30/05/2021

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£697.33

Number of monthly payments

300

Total Amount Payable

£1,275,982.88 over 25 years

Mortgage Rate available to:

Buy to Let Purchases and Remortgages

Initial Rate Payable %

2.02%

Initial Rate Period / Expiry Date

01 August 2024

Reverting to a variable Rate

4.00

Annual Percentage Rate of Charge (APRC)

3.50%

Loan to Value

60.00%

Lenders Arrangement Fee

£1995.00

Early Repayment Charges (ERCs)

5% of the amount repaid until 02/08/2024

Further details and how this example is reached

Property Value

£1,000,000.00

Mortgage Amount

£600,000.00

Term of the Mortgage

25 years

Method of Repayment

Interest Only

Monthly payment at Inital Rate Payable

£1,022.55

Number of monthly payments

300

Total Amount Payable

£1,142,531.85 over 25 years

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Disclaimer

Mortgage Advice. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There may be a fee for mortgage advice. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.

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Your home may be repossessed if you do not keep up with mortgage payments.

Knight Frank Finance LLP is a limited liability partnership registered in England and Wales with registered number OC322399. The principal office of Knight Frank Finance LLP is situated at 55 Baker Street, London W1U 8AN. Knight Frank Finance LLP is authorised and regulated by the Financial Conduct Authority under Financial Services Register number 459093.