Day One Remortgages

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Day One Remortgages

Day 1 remortgages – or remortgages within 6 months of purchase - are mortgages taken out immediately or soon after the day an initial mortgage has completed. There are a number of reasons why people require day 1 remortgages and these are often due to the original property purchase having been undertaken at below market value due to probate sales, an assignable contract, a repossession or the discounted purchase price paid at auction or through private sale.


In considering day 1 remortgages it is important to seek professional and impartial information from a suitably qualified adviser and we have deemed Day 1 remortgages a specialist area within Capital Fortune.

Capital Fortune have the knowledge and expertise to place these properties with a number of UK mortgage lenders. However, day 1 remortgage application often require a degree of liaison and negotiation with the lenders and the valuers given the property has only recently been purchased. They also require a degree of liaison with solicitors to ensure the appropriate owner of the property is immediately registered with the Land Registry.

That is where our skills and relationships are essential.

We know our lender's criteria and we often know the underwriters. We will be able to speak directly with the underwriting team to ensure an holistic approach is taken to the lending decision. In many cases involving day 1 remortgage, properties are often sold or inherited well below market valuation and so can provide good long term security to any lender.

Capital Fortune work with a number of specialist and mainstream mortgage providers willing to offer both day 1 mortgages and day 1 remortgages and who offer competitive mortgages on these transactions. We will be happy to take you through all the options.

At Capital Fortune we are specialists in giving impartial mortgage advice. We understand your requirements when purchasing a below market value property, we also understand the pitfalls of Day 1 remortgaging. We will be able to discuss with you all the reasons for purchasing a below market value property and give you advice on the most suitable and affordable Day 1 mortgage options to complete the finance transaction.

To discuss day 1 remortgages or day 1 remortgages call us today on 020 77 100 400 or Enquiry Online.

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Find out current best rates

Property Value
Mortgage Amount
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Clydesdale Bank Intermediary 2 Year Discount £1449 Fee CLY0.99%DiscountSep-20204.95%4.3%2 years £1449
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 4.99%4.4%2 years £2149
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%Discount2 years 4.75%4.3%2 years £0
Accord Intermediary 2 Year Discount £1495 Fee ACC1.09%DiscountSep-20204.99%4.4% £1495
Barclays Bank 2 Year Tracker £1999 Fee Purchase Wealth BWO1.19%Tracker2 years 3.99%3.6% £1999
Leeds BS 2 Year Tracker £999 Fee BLH1.19%TrackerJun-20205.69%4.8%30-Jun-2020 £999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Nationwide BS 2 Year Tracker £999 Fee BNW1.19%Tracker2 years 3.99%3.5% £999
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback BNW1.19%Tracker2 years 3.99%3.6% £999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers BiR BNW1.19%Tracker2 years 3.99%4% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.