This site uses cookies and by using the site you are consenting to this.
Find out why we use cookies and how to manage your settings.
Close

Ways to get in touch

Close

Visit us

Find your nearest branch Our branches

Call us

Monday to Friday 8:30am - 8:30pm
Saturday 9:00am - 5:00pm

Savings: 0345 601 4021
Mortgages: 0345 601 3180
Other enquiries: 0345 601 3344
Request a callback

Chat to us

Start chat now
Menu Get in touch

The right mortgage for you

When your home is a perfect fit, make sure your mortgage is too

Remortgaging

There are many possible reasons why you may want to move your mortgage to The Cambridge. It could be to:

  • reduce your monthly repayments by securing a cheaper mortgage with a lower rate of interest
  • release some of the value in your home
  • borrow additional funds to put towards home improvements or that new car you’ve had your eye on

Whatever the reason, a standard remortgage can be completed in just four simple steps meaning you could start benefitting from your new deal sooner than you thought.

If you’d like to know more about the remortgage process take a look at our guide to remortgaging or talk to us today.

Our residential mortgages are available for properties located in Bedfordshire, Buckinghamshire, Cambridgeshire, Essex, Hertfordshire, Norfolk, Northamptonshire and Suffolk. You can find out more about our mortgage eligibility here.


Request a callback

Let us call you




We will only use the information you provide to respond to your callback request. Your personal information will not be used for any other purpose. Please note that the information you have entered above will be sent to us via email. We would remind you that normal email is not 100% secure and therefore we cannot guarantee the security of the information that you send whilst in transit.

Why The Cambridge?

Mother and child 2
We recognise that everyone has different needs when it comes to finding the right mortgage and not all applications are the same. Our Mortgage Team look at each case on an individual basis. Whatever your reason for remortgaging our Mortgage Advisers will be happy to discuss your needs

Our Mortgages

Man reclining on sofa

Watch Betsy’s story

Mortgage Campaign Jan 16

Betsy’s in the garden while mum and dad are packing up – they’re moving home. She’s trying to figure out why her snail is missing his shell, and is determined to find him the right home

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

Our current fixed rate products for remortgaging

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
2 Year Fixed Rate 2.09% 4.74% 4.4% APRC Fixed 85% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £184,206.00 payable over 24 years initially on a fixed rate for 2 years at 2.09% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 24 monthly payments of £817.03 and 264 monthly payments of £1,054.83.

The total amount payable would be £298,592.84 made up of the loan amount plus interest (£113,052.84), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.4% APRC representative.

Find out more
2 Year Fixed Rate 2.49% 4.74% 4.5% APRC Fixed 90% Application fee: £199

Completion fee: £800
3% in year one
2% in year two

A mortgage of £178,060.00 payable over 28 years initially on a fixed rate for 2 years at 2.49% and then on our Standard Variable Rate of 4.74% for the remaining 26 years would require 24 monthly payments of £739.40 and 312 monthly payments of £947.00.

The total amount payable would be £313,683.60 made up of the loan amount plus interest (£134,324.60), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more
3 Year Fixed Rate 2.64% 4.74% 4.3% APRC Fixed 90% Application fee: £199

Completion fee: £0
3% in year one
2% in year two
1% in year three

A mortgage of £178,860.00 payable over 28 years initially on a fixed rate for 3 years at 2.64% and then on our Standard Variable Rate of 4.74% for the remaining 25 years would require 36 monthly payments of £753.21 and 300 monthly payments of £941.27.

The total amount payable would be £309,695.56 made up of the loan amount plus interest (£130,611.56), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
Low Deposit 3 Year Fixed Rate 3.49% 4.74% 4.6% APRC Fixed 95% Application fee: £199

Completion fee: £0
3% in year one
2% in year two
1% in year three

A mortgage of £218,545.00 payable over 30 years initially on a fixed rate for 3 years at 3.49% and then on our Standard Variable Rate of 4.74% for the remaining 27 years would require 36 monthly payments of £979.48 and 324 monthly payments of £1,124.78.

The total amount payable would be £399,889.00 made up of the loan amount plus interest (£181,120.00), an application fee of £199.00 and a mortgage funds release fee of £25.00.

This example assumes the mortgage funds release fee is added to the loan and that interest is charged on this fee over the mortgage term.

The overall cost for comparison is 4.6% APRC representative.

Find out more
5 Year Fixed Rate 2.54% 4.74% 3.9% APRC Fixed 80% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £193,695.00 payable over 21 years initially on a fixed rate for 5 years at 2.54% and then on our Standard Variable Rate of 4.74% for the remaining 16 years would require 60 monthly payments of £996.01 and 192 monthly payments of £1,168.13.

The total amount payable would be £284,550.56 made up of the loan amount plus interest (£89,521.56), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 3.9% APRC representative.

Find out more
5 Year Fixed Rate 2.84% 4.74% 4.2% APRC Fixed 85% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £196,848.00 payable over 28 years initially on a fixed rate for 5 years at 2.84% and then on our Standard Variable Rate of 4.74% for the remaining 23 years would require 60 monthly payments of £852.93 and 276 monthly payments of £1,028.82.

The total amount payable would be £335,639.12 made up of the loan amount plus interest (£137,457.12), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.2% APRC representative.

Find out more
5 Year Fixed Rate 3.19% 4.74% 4.3% APRC Fixed 90% Application fee: £199

Completion fee: £800
5% in year one
4% in year two
3% in year three
2% in year four
1% in year five

A mortgage of £183,236.00 payable over 27 years initially on a fixed rate for 5 years at 3.19% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 60 monthly payments of £847.45 and 264 monthly payments of £981.08.

The total amount payable would be £310,361.12 made up of the loan amount plus interest (£125,791.12), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £310.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
Back to top

Our current variable rate products for remortgaging

Product name Initial rate Standard Variable Rate (SVR), currently The overall cost for comparison is Interest type Max LTV Fees Early repayment charge Representative example  
2 Year Discounted Variable Rate 1.89%
(2.85% discount off our SVR)
4.74% 4.3% APRC Variable 85% Application fee: £199

Completion fee: £800
N/A

A mortgage of £243,768.00 payable over 24 years initially on a discounted variable rate for 2 years at 1.89% and then on our Standard Variable Rate of 4.74% for the remaining 22 years would require 24 monthly payments of £1,056.43 and 264 monthly payments of £1,392.01.

The total amount payable would be £393,393.96 made up of the loan amount plus interest (£148,251.96), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £350.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.3% APRC representative.

Find out more
2 Year Discounted Variable Rate 2.19%
(2.55% discount off our SVR)
4.74% 4.5% APRC Variable 90% Application fee: £199

Completion fee: £800
N/A

A mortgage of £174,835.00 payable over 27 years initially on a discounted variable rate for 2 years at 2.19% and then on our Standard Variable Rate of 4.74% for the remaining 25 years would require 24 monthly payments of £718.17 and 300 monthly payments of £944.01.

The total amount payable would be £300,913.08 made up of the loan amount plus interest (£124,779.08), an application fee of £199.00, a completion fee of £800.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.5% APRC representative.

Find out more
Large Loan 2 Year Discounted Variable Rate 2.09%
(2.65% discount off our SVR)
4.74% 4.2% APRC Variable 80% Application fee: £499

Completion fee: £1,500
N/A

A mortgage of £1,000,000.00 payable over 18 years initially on a discounted variable rate for 2 years at 2.09% and then on our Standard Variable Rate of 4.74% for the remaining 16 years would require 24 monthly payments of £5,563.54 and 192 monthly payments of £6,747.27.

The total amount payable would be £1,430,259.80 made up of the loan amount plus interest (£427,475.80), an application fee of £499.00, a completion fee of £1,500.00, a valuation fee of £760.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.2% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 80% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 85% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more
Cambridge Variable Mortgage 4.74% 4.74% 4.9% APRC Variable 90% Application fee: £199

Completion fee: £400
N/A

A mortgage of £165,602.00 payable over 17 years on our Standard Variable Rate of 4.74%  would require 204 monthly payments of £1,185.38

The total amount payable would be £242,291.52 made up of the loan amount plus interest (£75,790.52), an application fee of £199.00, a completion fee of £400.00, a valuation fee of £275.00 and a mortgage funds release fee of £25.00.

This example assumes the completion fee and mortgage funds release fee are added to the loan and that interest is charged on these fees over the mortgage term.

The overall cost for comparison is 4.9% APRC representative.

Find out more

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