A great new home for your mortgage

  • A range of competitive fixed and tracker mortgages to choose from
  • No standard legal fees with our fee-assisted legal serviceFootnote 1*
  • One free standard valuation

Footnote 1*[1]Terms and conditions apply

Your home may be repossessed if you do not keep up repayments on your mortgage

Why remortgage?

Remortgaging could help you save money, reduce your mortgage term or release some equity from your home.

Could you be getting a better deal?

Our range of mortgages and rates

Our mortgages fees

Overpayments calculator

Find out how you can save money and reduce your term by making overpayments.

Learn more to estimate your monthly payments.

Helping your family

Help get your family or loved ones onto the property ladder.

Learn more about helping your family.

Step-by-step process described

The process of remortgaging from start to finish.

Learn more about the process for remortgaging.

Borrowing in retirement

If you have retired, you could remortgage to us provided that you have adequate income to support the loan during the term.

Contact us

There's some important information you'll need to provide when you contact us.

You can call us on 0800 923 1536. Lines are open 8am-8pm Monday to Friday and 9am-1pm Saturday (excluding bank holidays). Calls may be recorded.


What are fee assisted legals?

Fee assisted legals means that M&S Bank will cover the cost of the legal work required to check the title on our behalf to ensure that it is an adequate security for our loan, redeem any previous mortgage and register our charge over the property on completion of the remortgage.

How long will it take to move my mortgage to you?

The time taken to move your mortgage across to us will be dependent on your individual circumstances and your current lender. Call us on 0800 923 1536 to find out more.

What type of properties will you provide mortgages for?

We lend on freehold and leasehold properties (provided that the lease has a minimum of 30 years remaining at the end of the mortgage term).

M&S Home Insurance

Find out about M&S Home Insurance, underwritten by Aviva Insurance Limited

Find out moreabout M&S Home Insurance

Ready to apply?

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage