Looking to remortgage? It's time to explore your options

Who can blame you? Once the initial promotional period of many mortgages has finished, you can find yourself paying more than you'd like for your mortgage. In today's competitive market many borrowers choose to switch their mortgage periodically in order to take advantage of new rates on offer. Stay on the same deal for the full term of your mortgage and you could lose out on a range of potential new benefits, including reducing the total amount you have to pay back. In some cases this could be a significant amount.

Not sure what remortgage you are looking for?

Try our step by step guide to find your mortgage.

Our remortgages

At Bristol & West Mortgages, we have a range of remortgage products that can help you get the improved deal you're looking for. The right choice for you will obviously depend on your circumstances. Click on a mortgage type to learn more about how they work, our rates and how you can apply:

  • Fixed

    With a fixed rate mortgage, you will pay a fixed rate for an agreed time at the start of your new mortgage term. Ideal if you want guaranteed protection from possible interest rate rises for a set period.

  • Discount

    Offers you a discounted rate off our Standard Variable Rate (SVR) for an agreed period at the start of your new mortgage term. This gives you lower monthly repayments in the first few years to help maximise your savings.

  • easyflex

    Our easyflex mortgage allows you to have more say over your mortgage payments. It gives you the flexibility to overpay, underpay your mortgage and take payment holidays, giving you greater control over your finances. These mortgages track the Bank Base Rate, and can therefore go up or down in line with any changes that the Bank of England may make to interest rates.

  • Self Certification

    Specialist mortgages for buyers with irregular incomes; we have fixed rate, discount variable rate and easyflex Self Certification mortgages to choose from.

  • Buy to Let

    Bristol & West Mortgages has created a range of Buy to Let mortgages, especially designed for investors. We have fixed rate, tracker and easyflex Buy to Let mortgages to choose from.

Please note that any fixed or discount mortgage promotional rate we agree with you will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate, and it can go up or down, usually following changes to the Bank of England's base rate.

Tracker mortgages are linked to the Bank of England Base Rate (BBR) and are by their nature variable, and therefore do not allow you to set a fixed repayment.