3 Year Fixed Rate Remortgage Deals

Interest Rates

       Term      Fixed RateThen you switch to our Cambridge Variable Mortgage and pay our Standard Variable Rate for the rest of the mortgage term, currentlyThe overall cost for comparison isMaximum Loan    Amount you can borrow as a percentage of the value of the property
Home PurchaseRemortgageAdditional Borrowing
3 Years 3.89% 4.59% 4.6% APR £500,000  N/A 75% N/A
3 Years 4.29% 4.59% 4.6% APR £500,000  N/A 80% N/A
3 Years 4.59% 4.59% 4.7% APR £400,000  N/A 85% N/A
3 Years 5.59% 4.59% 4.9% APR £300,000 N/A 90% N/A
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Fees

  • No application fee.
  • We pay the standard property valuation fee for remortgage purposes.
  • We pay the standard legal fees for switching your loan, using our panel solicitor. If any additional legal work is required that is not normally associated with a remortgage, such as rectifying title defects, transfers of equity or other legal matters, the solicitor will advise you of the cost and you will be responsible for any fees incurred.
  • Other fees and charges may apply. Your existing lender may charge a fee to discharge your existing loan.
  • No higher lending charge.

To find out more about remortgaging to The Cambridge please read our four simple steps guide.

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Early Repayment Charges

  • During each 12 month period of the fixed rate term, you have the flexibility to make overpayments of up to 10% of the opening mortgage balance. The opening balance is reset every year on the anniversary of the completion of your mortgage. Any amount repaid over this limit will incur a charge equal to 4% of the excess overpayment.
  • If you switch your loan to another lender, a different mortgage deal with us, or repay it in full before the end of the fixed rate term, you will have to pay an early repayment charge equal to 4% of the outstanding balance.   
  • At the end of the fixed rate term your mortgage will switch to our Cambridge Variable Mortgage. You will then be able to make as many overpayments as you wish or pay off your mortgage without incurring an early repayment charge.
  • If you move house during the fixed rate term, you may transfer the balance of the fixed rate mortgage to your next home, without penalty. The terms cannot, however, be extended to any further borrowing.
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Apply Now

Visit a branch

Find your local branch

Phone

Call our Customer Contact Centre on

0345 601 3114

Mon-Fri: 8.30am - 8.30pm
Sat: 9.00am - 6.00pm

Request a callback

Let us call you

Email

remortgage@cambridgebs.co.uk

Eligibility

Our mortgages are available on residential properties located in the following counties:

  • Bedfordshire
  • Buckinghamshire
  • Cambridgeshire
  • Essex
  • Hertfordshire
  • Norfolk
  • Northamptonshire
  • Suffolk


These mortgages are available for remortgages only.

All mortgages subject to security and status.

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

© 2012 The Cambridge Building Society. The Cambridge Building Society is a member of the Building Societies Association and is authorised and regulated by the Financial Services Authority. It is entered on the FSA Register; registration number 157223. This site is intended for UK residents only. Communications with us may be monitored/recorded to improve the quality of our service and for your protection and security. Calls to The Cambridge Building Society’s 0845 number will be charged at local rate. Prices can be checked with your phone provider. Mobile calls usually cost more.

The selling and administering of Cambridge Home Insurance is undertaken by Cambridge Building Society and Heath Lambert Insurance Services, which is a trading name of Heath Lambert Limited (HLL). The policy is underwritten from a panel of insurers these being certain underwriters at Lloyd’s of London, Groupama and Ageas. Cambridge Building Society, Heath Lambert Limited and all panel insurers are authorised and regulated by the Financial Services Authority (FSA). You can check this on the FSA website, http://www.fsa.gov.uk/ HLL registered office: 133 Houndsditch, London EC3A 7AH.