Top remortgage deals compared

About Top remortgage deals compared

Remortgage deals replace an existing mortgage with a new one, usually to cut the monthly cost, move to a longer fix or release equity from the property. This ranking brings together 343 brands and puts them in a single order built on what a deal costs you, how the offer is shaped and how much trust the lender earns. The trade-off every borrower faces sits inside that list. A low rate can come with a long commitment, a large fee, a low borrowing cap or a thin support setup, while a plain loan with no fee can sit slightly above the cheapest rate in the field. Cost carries a heavy share of the score, and trust outweighs it. The members are not interchangeable: some lend their own money, some act as brokers, some are marketplaces, and they sit in different markets with different currencies and different rules. Read the rate, the term and the fee together rather than the rate alone, and check what the loan caps at before assuming the cheapest rate is reachable for you. Every figure here comes from the lender's own published material.

How we picked

Every brand here is scored on three weighted measures. Cost counts for 35%, the shape of the offer for 25% and trust for 40%, which makes trust the heaviest single part of the score. Cost is read from the rate, the term and the fee together rather than the rate on its own, because a cheap headline can be undone by a fee or a short fix. The offer measure covers how a deal is built, including the term, the borrowing cap and whether remortgage is offered at all. Trust reads the legal entity behind each brand, the country it is based in, how long it has traded and the channels it uses to support customers. Each figure is taken from that brand's own published pages, and every fact on this page carries the source it came from. Where a source states a range, the range is shown rather than reduced to a single point figure. Partners are listed before the rest, so the opening of the table is not a straight score comparison, and the order below them follows the score. Median figures for this ranking sit next to each criterion below, so you can place a brand against the middle of the field.

Our top picks

1. 1. Sofkredit

   Sofkredit earns its place in this ranking on flexibility rather than price. You can fix for anything from a short period to a long one, 0.5 to 20, and the product covers both remortgage and home equity, so it works for a rate cut or for releasing cash. The cost is the drawback: a rate of 10.74% to 18.06% is the highest published here, fees of €900 to €1,350 are the largest on the list, and borrowing is capped at 30% of the property, which puts a large mortgage out of reach. Support runs on email, phone and help centre. Creditilia ES, ranked next, takes the opposite approach at a far lower 4.12%.

   • APR: 10.74% to 18.06%
   • Loan amount: €12,000 to €300,000
   • Term: 6 to 240 months

   Pros

   • Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
   • The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
   • Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
   • The range 0.5 to 20 lets a borrower fix the rate for a short stretch or a long one.
   • Same day funding is listed as same day funding once the notary signs.

   Cons

   • The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
   • Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
   • Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
   • Support runs on email, phone and help centre, with no chat or community channel listed.

2. 3. Creduma ES: best for top-pick

   Creduma ES takes the top of this ranking on the thinnest cost side. The product fee is €0 and the product is offered for remortgage and home equity, so the money you free up goes towards the loan rather than towards costs. Support runs on email and phone, covering email and phone, and the contracting entity in Spain is FINANSI GROUP, S.L. The shape of the offer is simple: a fee-light remortgage with both email and phone to ask a question. Sofkredit, the member just below, offers a far wider choice of fix length, 0.5 to 20, but at 10.74% to 18.06% with fees of €900 to €1,350, so the gap between the two is about what a switch costs you.

   • Loan amount: from €12,000
   • Arrangement fee: 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained
   • Credit check: Soft prequal

   Pros

   • Free upfront handling through €0, with charges only where a solution is obtained
   • Soft prequalification through soft prequal limits early credit footprint during comparison
   • Access for poor credit profiles under poor where property equity supports the request
   • Loans of from €12,000 exceed the maximum listed by Ibancar Prestamos at €600 to €8,000
   • Direct email and phone contact through email and phone for guided secured applications

   Cons

   • Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
   • Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
   • Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model

3. 4. Creditilia ES

   Creditilia ES sits in this ranking on a middling rate with a very light cost. The annual figure is 4.12%, the product fee is €0 and the fixed term is 5, a short commitment that suits a straightforward switch. The catch is access: support runs on email only, so every question goes by email, and the entity named in the terms is a marketing and digital services company rather than a bank. Prestalo, the member below, also charges a product fee of €0 but cuts the rate to 2.97%, stretches the fix to 25 and adds chat to its support channels.

   • APR: 4% to 289%
   • Loan amount: €500 to €50,000
   • Term: 3 to 96 months

   Pros

   • Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
   • Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
   • Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
   • A wide spread of lending types (personal, payday and debt consolidation) plus lending earmarked for home improvement (home improvement).
   • Terms of 3 to 96 sit either side of the 36 month median across the market, so a short loan or a long one is both on the table.

   Cons

   • Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
   • The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
   • Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
   • Support runs on email only, so there is no phone line for a question about a payment or a rate.

4. 5. Prestalo

   Prestalo is in this ranking for cost and access together. The annual rate is 2.97%, the fixed term runs 25 and the product fee is €0, so the price of switching stays low over a long commitment. Borrowing is capped at 80%, under the 90% typical for this ranking, and support covers email, chat and phone, the widest setup among the Spanish members. It trades as PRESTALO ONLINE, S.L. and has been going since 2018. Lånekoll, the member below, edges it on rate at 2.35% and allows more borrowing, though on far shorter fixes.

   • APR: 4.1% to 30%
   • Loan amount: €500 to €100,000
   • Term: 1 to 120 months

   Pros

   • Personal loan APR runs 4.1% to 30% with arrangement fee 0 EUR, so the headline cost is the interest and nothing else.
   • Free early repayment means clearing the balance early costs nothing, which suits anyone whose income may rise.
   • Rate type is fixed and the model is fixed rate, so the monthly payment does not move when base rates shift.
   • Loan amount €500 to €100,000 and term 1 to 120 cover small bridging sums and long borrowing alike.
   • Support runs on email, chat and phone, so help is available by phone, chat and email as well as a help centre.

   Cons

   • Credit check is hard and the credit needed is good, which rules out anyone with a thin or damaged credit file.
   • Lender kind is broker, so the lender you end up with is chosen by a third party rather than by you.
   • APR of 4.1% to 30% spans from below the personal loan median of 12% to well above it, so the rate you are offered depends heavily on your file.
   • Support runs on email, chat and phone only, so anyone who prefers to deal with a branch in person has no option here.

What to look for

The rate you actually repay

Compare the annual figure rather than the opening rate. Across this ranking the median is 4.54%, with the central band sitting between 3.79% and 6.22%. A rate well under that spread deserves a look, and a rate over it should come with a reason.

How long you are tied in

The length of the fix decides how long your payment is held. The median fixed period in this ranking is 10, running from 0.25 at the shortest to 40 at the longest. A short fix keeps your options open, a long one locks the deal in.

How much you can borrow

Loan to value caps decide whether a cheap rate is even available to you. The median cap here is 90%, with 80% and 95% marking the central band and 30% the lowest. A heavy outstanding balance rules the stingiest lender out before the rate matters.

Fees, not just the rate

A product fee can outweigh a small rate cut over a long term, and it lands with the first payment. Read the fee figure on each listing next to the rate and the length of the fix. Size matters too: the median loan in this ranking is €1,753.92, running from €84.62 to €1,500,000.

Whether it does the job you need

Not every product covers every purpose. Remortgage is the core purpose across 100% of this ranking, purchase sits at 96.8% and home equity at 24.2%. Check the purpose list before you apply, especially if you also want to release equity or buy another property.

Fixed, variable and getting out early

Fixed terms make up 73.6% of this ranking against 26.4% on variable. Early repayment is free in 79.4% of the products here, which matters if you may sell or clear the balance sooner than the term allows. Support is worth weighing as well, with phone in 92.2% and email in 69.1%.

Frequently asked questions

Top remortgage deals compared by country

• Australia
• Canada
• China
• Colombia
• Germany
• Italy
• Japan
• Mexico
• Poland
• Portugal
• South Africa
• Spain
• Sweden
• United Kingdom
• United States

The data behind this ranking

All data and the CSV