Remortgage to The Cambridge

When you're looking to switch your mortgage to The Cambridge, we'll be here.

Book an appointment today

What is remortgaging?

Remortgaging is where you move your mortgage from one lender to another without moving house.

You might choose to remortgage for a number of reasons, including when your current mortgage deal is coming to an end, if you're looking to borrow more or simply because you want to explore your mortgage options.

Whatever your reason, our Mortgage Advisers can help you find a mortgage that's right for you.

We'll take the time to understand your circumstances and explain your options, helping you find a mortgage that meets your needs. Whether you'd prefer to speak to us face-to-face or over the phone, we're here to support you every step of the way.

Already have a mortgage with The Cambridge? If you're looking for a new deal on your existing mortgage, take a look at our guide to switching your mortgage deal.

How does remortgaging to The Cambridge work?

1. Start planning before your current deal ends
It's best to start thinking about your remortgage options before your existing deal comes to an end. This gives you time to consider whether switching to a new deal with your current lender or remortgaging to The Cambridge is right for you.

2. Talk through your options with us
Our mortgage advisers will take the time to understand your circumstances and discuss the options available to you.

3. Apply for your mortgage
When you've found a mortgage that's right for you, we'll guide you through the application process and keep you updated along the way.

4. Move your mortgage to The Cambridge
Once everything is in place, your mortgage will move from your current lender to The Cambridge and you'll become a valued member of The Cambridge.

Want to know more?
Read our remortgage guide for more information about the remortgage process.

Why remortgage to The Cambridge?

Expert mortgage advice
Human underwriters
Appointments face-to-face or over the phone
Selected mortgage deals with free standard valuation and legal fees
Become a member of a mutual building society
Over 175 years of helping people have a home

Ready to explore your options?

Whether you're looking for a new mortgage deal or simply want to understand the remortgage process, we're here to help.

View our mortgage options Book an appointment

FAQs

1. What is remortgaging?

Remortgaging is when you move your mortgage from your current lender to a new one, without moving home.

2. What's the difference between remortgaging and switching my mortgage deal?

Remortgaging means moving your mortgage to a new lender. Switching your mortgage deal means choosing a new mortgage deal with your existing lender.

If you already have a mortgage with The Cambridge and are looking for a new deal, visit our guide to switching your mortgage deal.

3. When should I start looking for a remortgage?

Many homeowners begin exploring their remortgage options before their current mortgage deal comes to an end. Starting early can give you time to understand the options available and decide whether moving your mortgage to a new lender is right for you.

4. Can I borrow more when I remortgage?

Depending on your circumstances, you may be able to borrow additional funds as part of your remortgage application. All remortgages and additional borrowing will be subject to eligibility, affordability and lending criteria.

5. Can I remortgage before my current deal ends?

In some circumstances, yes. However, your current lender may charge an early repayment charge if you leave your mortgage deal before it ends. Please talk to your current mortgage provider before you go ahead with a remortgage.

6. How long does a remortgage take?

Every remortgage is different, so timescales can vary. Our Mortgage Advisers will support you throughout the process and keep you informed from application to completion.

Ready to take the next step?

Whether you're looking for a better deal, borrowing more, or simply exploring your options, our Mortgage Advisers are here to help.

Book an appointment

Which mortgage is right for you?

2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.59%	7.39%	7.3% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

2 Year Fixed Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.3% APRC	80%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	6.9% APRC	80%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.89%	7.39%	7.2% APRC	80%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Discounted Variable Rate Mortgage - No ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.14%	7.39%	7.2% APRC	80%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Mortgage (1)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.24%	7.39%	7.3% APRC	90%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Low Deposit 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Low Deposit 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.0% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.49%	7.39%	7.3% APRC	95%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Shared Ownership 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.79%	7.39%	7.3% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Shared Ownership 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.24%	7.39%	7.2% APRC	95%	£0	£0	£200	£499	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Interest Only 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.44%	7.39%	7.4% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Interest Only 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	7.39%	7.1% APRC	70%	£0	£0	£400	£1999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Interest Only 2 Year Discounted Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
4.89%	7.39%	7.3% APRC	70%	£0	£0	£0	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.14%	7.39%	7.4% APRC	70%	£0	£0	£0	£1999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Credit Assist Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.74%	7.39%	7.4% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.34%	7.39%	7.1% APRC	85%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	8.0% APRC	80%	£0	£	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	8.44%	7.5% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.4% APRC	70%	£0	£	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	70%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.94%	7.39%	7.3% APRC	75%	£0	£0	£200	£0	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Help to Buy 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	7.39%	7.2% APRC	75%	£0	£0	£0	£299	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

2 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.54%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.84%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.39%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

Holiday Let 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.64%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two

Holiday Let 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Holiday Let 2 Year Discounted Variable Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.09%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Expat 2 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.74%	8.44%	8.2% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Expat 5 Year Fixed Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	8.44%	7.6% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.29%	8.44%	8.1% APRC	80%	£0	£0	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 1% in year one; 1% in year two.

Retirement Interest Only Variable Rate Mortgage

Rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.19%	Not applicable	5.4% APRC	55%	£0	£0	£0	£500	Early Repayment Charges Apply	details

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.88%	8.44%	7.5% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Retirement Interest Only 2 Year Fixed Rate Mortgage

Initial rate	RIO variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.78%	5.19%	5.5% APRC	55%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

Retirement Interest Only 5 Year Fixed Rate Mortgage

Initial rate	RIO variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.88%	5.19%	5.6% APRC	55%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.99%	7.39%	7.0% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 2 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.89%	7.39%	7.4% APRC	98%	£0	£0	£0	£499	Early Repayment Charges Apply	details

Early repayment charges - 2% in year one; 1% in year two.

5 Year Fixed Rate Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.69%	7.39%	6.9% APRC	90%	£0	£0	£400	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Initial rate	Standard variable rate, currently	Overall cost for comparison	Max LTV	Application fee	Product switch fee	Further advance fee	Completion fee
5.98%	8.44%	7.6% APRC	80%	£0	£800	£800	£999	Early Repayment Charges Apply	details

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Remortgage Guides

More guides for borrowers

for borrowersYour guide to remortgaging

for borrowersSwitching your mortgage deal

for borrowersMaking changes to your mortgage

More guides for borrowers

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

Remortgage to The Cambridge

Book an appointment today

What is remortgaging?

How does remortgaging to The Cambridge work?

Why remortgage to The Cambridge?

Ready to explore your options?

FAQs

Ready to take the next step?

Which mortgage is right for you?

Results

2 Year Fixed Rate Mortgage

2 Year Fixed Rate Mortgage - 80% LTV

5 Year Fixed Rate Mortgage - 80% LTV

2 Year Discounted Variable Rate Mortgage - 80% LTV

2 Year Discounted Variable Rate Mortgage - No ERC

2 Year Discounted Variable Rate Mortgage (1)

Low Deposit 2 Year Fixed Rate Mortgage

Low Deposit 5 Year Fixed Rate Mortgage

Low Deposit 2 Year Discounted Variable Rate Mortgage - No ERCs

Shared Ownership 2 Year Fixed Rate Mortgage

Shared Ownership 5 Year Fixed Rate Mortgage

Shared Ownership 2 Year Discounted Variable Rate Mortgage - No ERCs

Interest Only 2 Year Fixed Rate Mortgage

Interest Only 5 Year Fixed Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage

Interest Only 2 Year Discounted Rate Mortgage - NO ERC

Credit Assist Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage 3 Year Discounted Variable Rate

Credit Assist 3 Year Discounted Variable Rate Buy to Let Mortgage

Credit Assist 5 Year Fixed Rate Buy to Let Mortgage

Credit Assist Extra Mortgage - 2 Year Fixed Rate

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Help to Buy 2 Year Fixed Rate Mortgage - Existing mortgage customers

Help to Buy 2 Year Discounted Variable Rate Mortgage

2 Year Fixed Rate Buy to Let Mortgage

5 Year Fixed Rate Buy to Let Mortgage

2 Year Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Holiday Let 2 Year Fixed Rate Mortgage

Holiday Let 5 Year Fixed Rate Mortgage

Holiday Let 2 Year Discounted Variable Rate Mortgage

Expat 2 Year Fixed Rate Buy to Let Mortgage

Expat 5 Year Fixed Rate Buy to Let Mortgage

Expat 2 Year Discounted Variable Rate Buy to Let Mortgage

Retirement Interest Only Variable Rate Mortgage

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Retirement Interest Only 2 Year Fixed Rate Mortgage

Retirement Interest Only 5 Year Fixed Rate Mortgage

First Step 5 Year Fixed Rate Mortgage

First Step 2 Year Fixed Rate Mortgage

5 Year Fixed Rate Mortgage

5 Year Fixed Rate Limited Company Holiday Let Mortgage

Remortgage Guides

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