Get more out of remortgaging

If your mortgage deal with another lender has ended, or is coming to an end, why not find out if switching to National Trustco Bank could save you money? With our competitive interest rates and offers, you might even be able to pay off your mortgage sooner.

Explore the benefits of remortgaging

Our mortgage rates

We’ll crunch the numbers so you don’t have to. Discover and compare our latest mortgage products using our handy mortgage calculator.

How much could you save by switching your mortgage?

Your mortgage is probably your biggest financial commitment, so it’s worth exploring a remortgage deal from National Trustco Bank. We know our rates are competitive so what’s the harm in taking a look? Our quick mortgage calculator works out what remortgage deals we could offer you and, if you want to borrow more, it can show you what your new monthly repayments would be.

Be mortgage-free sooner

You could pay off your mortgage early. During the initial rate period, you can overpay by up to 20% of the outstanding balance each year with no early repayment charge.

Are you on the right mortgage?

If you’ve had a mortgage for a while or your situation has changed, it’s worth thinking about whether a different type of mortgage might suit you better.

We have a range of fixed and tracker rate mortgages that offer competitive rates of interest. For example, if you’re thinking about trying to pay off your mortgage early, you could save on your monthly repayments with a tracker mortgage when the Bank of England base rate is low. If the rate goes up, you might be better off with a fixed rate where you know what your payments will be during the initial fixed rate period.

Before you apply, use our income and expenditure guide to help you understand your financial situation.

If you're self-employed, your accountant can use this certificate to record your income.

Before you start your application, make sure that you have all the documentation you'll need.

One final thing. If your buildings and contents insurance is up for renewal it’s worth taking a look at our Home Insurance. We might be able to save you some money on your premiums.

National Trustco Bank Home Insurance is arranged and administered by National Trustco Bank and is underwritten by a select range of insurers.

Cut the cost of borrowing more

Switch and save

The cost of switching your mortgage can vary depending on the type of mortgage you choose, how much you need to borrow, and the value of your current home. If you’re new to National Trustco Bank mortgages we could ease some of the financial strain as some of our products include free standard legal fees and your first standard valuation.

If the remortgage product you apply for includes our free legal service LMS, who provide National Trustco Bank’s conveyancing service, will contact you to keep you up to date with the legal part of your mortgage including appointing a solicitor to act on behalf of both yourself and National Trustco Bank

Remortgage to renovate your home

Perhaps you’re thinking about making some changes to improve your living space or increase the value of your home. It might be a dream kitchen, a loft extension, or a perfectly landscaped garden. Renovating your home could change your life – and your lifestyle. The good news is remortgaging can be one of the most cost-effective ways to borrow.

To get a clearer picture, use our mortgage calculator.

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Ready to apply?

Contact us - we're here to help

Need a few questions answered? Want to chat rather than scroll? Our UK-based teams are here to talk to you six days a week. Lines are open Monday to Friday 8am-9pm and Saturday 9am-4pm.

Call 0345 217 2050* to chat about new policies.

* These numbers may be included as part of any inclusive call minutes provided by your phone operator.