Remortgage - All mortgages
If you’re not sure which type of mortgage to choose, have a look below at our complete range. You may also find it helpful to use our mortgage picker to see which type could work best for you.
We offer a wide range of offset mortgages, both fixed and tracker.
Offset Tracker Mortgages
- The maximum loan-to-value may differ depending on the amount you wish to borrow.
- Depending on your remortgage choice, we will also refund the standard valuation fee. If we do so, a contribution of £330 will need to be repaid if you redeem your mortgage on or before 28.02.11
 |
 |
 |
 |
 |
Product
name |
Max loan to value |
Initial rate |
Then changing for
the remainder of
the term to |
The overall
cost for
comparison is |
 |
|
Remortgage Offset tracker 60 until 28 February 2012 (B.o.E + 2.59%) |
60%
LTV |
4.59%
currently
Tracks 2.59% above the BoE's base rate
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.4 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.12 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
|
Remortgage Offset tracker 60 until 28 February 2012 (B.o.E + 2.69%) |
60%
LTV |
4.69%
currently
Tracks 2.69% above the BoE's base rate
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.5 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
|
Remortgage Offset tracker 60 until 28 February 2014 (B.o.E + 2.69%) |
60%
LTV |
4.69%
currently
Tracks 2.69% above the BoE's base rate
until 28.02.14 |
4.00%
currently
(our offset variable mortgage rate) |
4.7 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
Product
name |
Max loan to value |
Initial rate |
Then changing for
the remainder of
the term to |
The overall
cost for
comparison is |
 |
|
Remortgage Offset tracker 75 until 28 February 2012 (B.o.E + 2.99%) |
75%
LTV |
4.99%
currently
Tracks 2.99% above the BoE's base rate
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.5 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
|
Remortgage Offset tracker 75 until 28 February 2014 (B.o.E + 2.99%) |
75%
LTV |
4.99%
currently
Tracks 2.99% above the BoE's base rate
until 28.02.14 |
4.00%
currently
(our offset variable mortgage rate) |
4.6 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
Your home may be repossessed if you do not keep up repayments on your mortgage.
Offset Fixed Rate Mortgage
The interest rate on your mortgage stays fixed for a set period, so no matter what happens to the Bank of England base rate, you know the interest rate will be the same each month during the fixed rate period.
Depending on your remortgage choice, we will also refund the standard valuation fee. If we do so, a contribution of £330 will need to be repaid if you redeem your mortgage on or before 28.02.11
 |
 |
 |
 |
 |
Product
name |
Max loan to value |
Initial rate |
Then changing for
the remainder of
the term to |
The overall
cost for
comparison is |
 |
|
Remortgage Offset fixed 60 until 28 February 2012 |
60%
LTV |
5.49%
fixed
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.4 %
APR
|
|
Arrangement fee:
£2499 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
|
Remortgage Offset fixed 60 until 28 February 2012 |
60%
LTV |
4.89%
fixed
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.6 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
|
Remortgage Offset fixed 60 until 28 February 2014 |
60%
LTV |
5.09%
fixed
until 28.02.14 |
4.00%
currently
(our offset variable mortgage rate) |
4.8 %
APR
|
|
Arrangement fee:
£999 |
Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
 |
Product
name |
Max loan to value |
Initial rate |
Then changing for
the remainder of
the term to |
The overall
cost for
comparison is |
 |
|
Remortgage Offset fixed 75 until 28 February 2012 |
75%
LTV |
5.69%
fixed
until 28.02.12 |
4.00%
currently
(our offset variable mortgage rate) |
4.4 %
APR
|
|
Arrangement fee:
£2499 |
Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 28.02.11 |
CHAPS Fee: £25
|
Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
|
Offset fixed mortgages are only available on loans between £100,000 and £500,000.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Tracker Rate Mortgages
With our tracker rate mortgages, your interest rate tracks the Bank of England's base rate for a set period. These mortgages don't form part of an offset package.
Depending on your remortgage choice, we will also refund the standard valuation fee. If we do so, a contribution of £330 will need to be repaid if you redeem your mortgage on or before 28.02.11
 |
 |
 |
 |
 |
| There are no products that match your selection. Please modify your selection. |
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Please note that our mortgage range is available to new mortgage customers and to existing Intelligent Finance mortgage customers who are moving home.