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class="abstract"><h3 class="featuredHeading"><a href="/mortgages/buy-to-let/">Buy to Let</a></h3><p>Turn your property into a worthwhile investment.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/buy-to-let/" title="Buy to Let" class="main-navigation"><span>Buy to Let Hub</span></a></li><li><a href="/mortgages/best-buys/buy-to-let/" title="Buy to Let Mortgages" class="main-navigation"><span>Buy to Let Mortgages</span></a></li><li><a href="/mortgages/best-buys/ltd-company-buy-to-let-mortgages/" title="LTD Company Buy to Let Mortgages" class="main-navigation"><span>LTD Company Buy to Let Mortgages</span></a></li><li><a href="/mortgages/best-buys/buy-to-let-remortgages/" title="Buy to Let Remortgages" class="main-navigation"><span>Buy to Let Remortgages</span></a></li><li><a href="/mortgages/best-buys/portfolio-landlord-mortgages/" title="Portfolio Landlord Mortgages" 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class="hasChildren"><a href="/mortgages/remortgage/" title="Remortgage" class="main-navigation"><span>Remortgage</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/remortgage/">Remortgage</a></h3><p>Change your mortgage deal for your current property.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/remortgage/" title="Remortgage Hub" class="main-navigation"><span>Remortgage Hub</span></a></li><li><a href="/mortgages/best-buys/remortgage/" title="Remortgage Deals" class="main-navigation"><span>Remortgage Deals</span></a></li><li><a href="/mortgages/specialist-mortgages/second-charge-mortgages/" title="Second Charge Mortgages" class="main-navigation"><span>Second Charge Mortgages</span></a></li><li><a href="/mortgages/best-buys/best-fixed-mortgage-rate/" title="Best Fixed Rate Remortgage" class="main-navigation"><span>Best Fixed Rate Remortgage</span></a></li><li><a href="/mortgages/best-buys/remortgage/interest-only-remortgage/" title="Interest-Only Remortgage" class="main-navigation"><span>Interest-Only Remortgage</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/remortgaging-guide/" title="Remortgaging Guide" class="main-navigation"><span>Remortgaging Guide</span></a></li><li><a href="/guides/funding-home-improvements/" title="Remortgage for Home Improvements" class="main-navigation"><span>Remortgage for Home Improvements</span></a></li><li><a href="/guides/second-property-mortgages/" title="Guide to Second Property Mortgages" class="main-navigation"><span>Guide to Second Property Mortgages</span></a></li><li><a href="/mortgages/best-buys/remortgage/debt-consolidation-remortgage/" title="Remortgage for Debt Consolidation" class="main-navigation"><span>Remortgage for Debt Consolidation</span></a></li><li><a href="/mortgages/best-buys/remortgage/mortgage-product-transfer-vs-remortgaging/" title="Product Transfer vs Remortgage" class="main-navigation"><span>Product Transfer vs Remortgage</span></a></li><li><a href="/mortgages/best-buys/remortgage/how-to-remortgage-with-bad-credit/" title="Remortgage with Bad Credit" class="main-navigation"><span>Remortgage with Bad Credit</span></a></li><li><a href="/mortgages/best-buys/remortgage/can-you-remortgage-with-a-county-court-judgement-ccj/" title="Remortgage with a CCJ" class="main-navigation"><span>Remortgage with a CCJ</span></a></li><li><a href="https://www.charcol.co.uk/news-and-opinions/mortgage-property-blog/erc-mortgage-early-repayment-charge-19848/" target="_top" title="Mortgage Early Repayment Charge" rel="noopener" class="main-navigation"><span>Mortgage Early Repayment Charge</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/remortgage-calculator/" title="Remortgage Calculator" class="main-navigation"><span>Remortgage Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-comparison-calculator/" title="Mortgage Rate Change Calculator" class="main-navigation"><span>Mortgage Rate Change Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-overpayment-calculator/" title="Mortgage Overpayment Calculator" class="main-navigation"><span>Mortgage Overpayment Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/house-extension-calculator/" title="Home Extension Calculator" class="main-navigation"><span>Home Extension Calculator</span></a></li></ul></div></div></li><li class="hasChildren"><a href="/mortgages/first-time-buyer-mortgage/" title="First Time Buyer" class="main-navigation"><span>First Time Buyer</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/first-time-buyer-mortgage/">First Time Buyer</a></h3><p>Take your first steps towards homeownership with our first-time buyer mortgage hub.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/first-time-buyer-mortgage/" title="First Time Buyer Mortgage Hub" class="main-navigation"><span>First Time Buyer Mortgage Hub</span></a></li><li><a href="/mortgages/best-buys/first-time-buyer/" title="First Time Buyer Mortgage Deals" class="main-navigation"><span>First Time Buyer Mortgage Deals</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/buying-your-first-home/" title="Buying Your First Home" class="main-navigation"><span>Buying Your First Home</span></a></li><li><a href="/guides/house-mortgage-deposit/" title="How Much Deposit Do I Need?" class="main-navigation"><span>How Much Deposit Do I Need?</span></a></li><li><a href="/guides/applying-for-a-mortgage/" title="Applying for A Mortgage" class="main-navigation"><span>Applying for A Mortgage</span></a></li><li><a href="/guides/guarantor-mortgages/" title="Guarantor Mortgages" class="main-navigation"><span>Guarantor Mortgages</span></a></li><li><a href="/guides/tenants-in-common/" title="Tenants in Common" class="main-navigation"><span>Tenants in Common</span></a></li><li><a href="/mortgages/best-buys/first-time-buyer/stamp-duty-for-first-time-buyers/" title="Stamp Duty for First Time Buyers" class="main-navigation"><span>Stamp Duty for First Time Buyers</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/how-much-can-i-borrow/" title="How Much Can I Borrow?" class="main-navigation"><span>How Much Can I Borrow?</span></a></li><li><a href="/mortgage-calculators/loan-to-value-calculator/" title="Loan to Value Calculator" class="main-navigation"><span>Loan to Value Calculator</span></a></li><li><a href="/mortgage-calculators/mortgage-repayment-calculator/" title="Mortgage Repayment Calculator" class="main-navigation"><span>Mortgage Repayment Calculator</span></a></li><li><a href="/mortgage-calculators/first-time-buyer-stamp-duty-calculator/" title="First Time Buyer Stamp Duty Calculator" class="main-navigation"><span>First Time Buyer Stamp Duty Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/right-to-buy-calculator/" title="Right to Buy Calculator" class="main-navigation"><span>Right to Buy Calculator</span></a></li></ul></div></div></li><li class="hasChildren"><a href="/mortgages/moving-home-mortgage/" title="Moving House" class="main-navigation"><span>Moving House</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/moving-home-mortgage/">Moving House</a></h3><p>Manage your move and arrange your mortgage with ease.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/moving-home-mortgage/" title="Moving House Mortgages" class="main-navigation"><span>Moving House Mortgage Hub</span></a></li><li><a href="/mortgages/best-buys/" title="Compare Best Mortgage Rates" class="main-navigation"><span>Compare Best Mortgage Rates</span></a></li><li><a href="/mortgages/best-buys/best-fixed-mortgage-rate/" title="Fixed Rate Mortgages" class="main-navigation"><span>Fixed Rate Mortgages</span></a></li><li class="spacer"><span>Guides</span></li><li><a href="/guides/moving-home-guide/" title="Moving Home Guide" class="main-navigation"><span>Moving Home Guide</span></a></li><li><a href="/guides/house-buying-mortgage-guide/" title="Buying a House Guide" class="main-navigation"><span>Buying a House Guide</span></a></li><li><a href="/guides/divorce-and-mortgages/" title="Divorce and Mortgage Guide" class="main-navigation"><span>Divorce and Mortgage Guide</span></a></li><li><a href="/guides/borrowing-into-retirement/" title="Borrowing into Retirement" class="main-navigation"><span>Borrowing into Retirement</span></a></li><li><a href="/guides/property-finance-for-expats/" title="Property Finance for Expats" class="main-navigation"><span>Property Finance for Expats</span></a></li><li class="spacer"><span>Tools</span></li><li><a href="/mortgage-calculators/mortgage-affordability-calculator/" title="Mortgage Affordability Calculator" class="main-navigation"><span>Mortgage Affordability Calculator</span></a></li><li class="last"><a href="/mortgage-calculators/stamp-duty-calculator/" title="Stamp Duty Calculator" class="main-navigation"><span>Stamp Duty Calculator</span></a></li></ul></div></div></li><li class="spacer"><span>Spacer</span></li><li class="hasChildren"><a href="/mortgages/specialist-mortgages/" title="Specialist Mortgages" class="main-navigation"><span>Specialist Mortgages</span></a><div class="subNavDropDown"><div class="abstract"><h3 class="featuredHeading"><a href="/mortgages/specialist-mortgages/">Specialist Mortgages</a></h3><p>See our specialist mortgages hub to find answers to all your different mortgage needs, no matter how complex.</p></div><div class="subNavWrapper"><ul class="subNav"><li class="spacer first"><span>Mortgages</span></li><li><a href="/mortgages/specialist-mortgages/second-charge-mortgages/" title="Second Charge Mortgages" class="main-navigation"><span>Second Charge Mortgages</span></a></li><li><a href="/mortgages/commercial-mortgages/" title="Commercial Mortgages" class="main-navigation"><span>Commercial Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/freelance-and-self-employed-mortgages/" title="Freelance and Self-Employed Mortgages" class="main-navigation"><span>Freelance and Self-Employed Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/freelance-and-self-employed-mortgages/" title="Contractor Mortgages" class="main-navigation"><span>Contractor Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/bridging-loans/" title="Bridging Loans" class="main-navigation"><span>Bridging Loans</span></a></li><li><a href="/mortgages/specialist-mortgages/expat-mortgages/" title="Expat Mortgages" class="main-navigation"><span>Expat Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/offset-mortgages/" title="Offset Mortgages" class="main-navigation"><span>Offset Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/development-finance/" title="Development Finance" class="main-navigation"><span>Development Finance</span></a></li><li><a href="/mortgages/specialist-mortgages/let-to-buy-mortgages/" title="Let to Buy Mortgages" class="main-navigation"><span>Let to Buy Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/private-bank-mortgages/" title="Private Bank Mortgages" class="main-navigation"><span>Private Bank Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/interest-only-mortgages/" title="Interest-Only Mortgages" class="main-navigation"><span>Interest-Only Mortgages</span></a></li><li><a href="/mortgages/best-buys/large-loans/" title="Larger Mortgages" class="main-navigation"><span>Larger Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/new-build-apartment-mortgages/" title="New Build Apartment Mortgages" class="main-navigation"><span>New Build Apartment Mortgages</span></a></li><li><a href="/mortgages/specialist-mortgages/mortgages-for-doctors/" title="Mortgages for Doctors" class="main-navigation"><span>Mortgages for Doctors</span></a></li><li><a href="/mortgages/specialist-mortgages/mortgages-for-directors/" title="Mortgages for Directors" class="main-navigation"><span>Mortgages for Directors</span></a></li><li class="spacer"><span>Specialist Property</span></li><li><a href="/mortgages/specialist-property-mortgages/" title="Specialist Property Mortgages" class="main-navigation"><span>Specialist Property Hub</span></a></li><li><a href="/mortgages/specialist-property-mortgages/non-standard-construction-mortgages/" title="Non-Standard Construction 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