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We're here to save you money and time too! Use our mortgage finder below then call our qualified advisers for a more personalised search of the market and advice. We’ll make sure you qualify for any deal before you apply. Not only that, you'll get expert support throughout the whole mortgage process

£
We've calculated this from our average customer
Loans are typically over 25 years, so we've defaulted to that for you
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We've calculated this from our average customer
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Most loans are on a repayment basis, so we've left this as 0
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Yorkshire BS
Max LTV 65%:
3.87% discount to 29/02/20
Initial rate
0.87%
then 4.74% (variable)
Monthly repayments
£464
Scheme fees
£1,730
Annual cost
£6,430
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.87% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £463 and 276 payments of £690. The total amount payable would be £203,282 made up of the loan amount plus interest (£76,552) and fees (£1,730). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
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Cumberland
Max LTV 60%:
3.26% discount for 2 years
Initial rate
0.98%
then 4.24% (variable)
Monthly repayments
£470
Scheme fees
£699
Annual cost
£6,154
Fees and charges
Booking fee £0
Arrangement fee £699
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 2 years
Other info
Exit fee £125
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.98% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £469 and 276 payments of £659. The total amount payable would be £193,839 made up of the loan amount plus interest (£68,140) and fees (£699). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
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HSBC
Max LTV 60%:
Base +0.74% for 2 years
Initial rate
0.99%
then 3.69% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,244
Fees and charges
Booking fee £99
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £470 and 276 payments of £624. The total amount payable would be £184,503 made up of the loan amount plus interest (£58,504) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
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Skipton
Max LTV 60%:
Base +0.74% for 2 years
Initial rate
0.99%
then 4.74% (variable)
Monthly repayments
£471
Scheme fees
£995
Annual cost
£6,269
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £60
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £470 and 276 payments of £691. The total amount payable would be £202,991 made up of the loan amount plus interest (£76,996) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.0% APRC
?
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Yorkshire BS
Max LTV 65%:
3.75% discount to 29/02/20
Initial rate
0.99%
then 4.74% (variable)
Monthly repayments
£471
Scheme fees
£1,230
Annual cost
£6,261
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £470 and 276 payments of £691. The total amount payable would be £203,226 made up of the loan amount plus interest (£76,996) and fees (£1,230). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Cumberland
Max LTV 75%:
3.21% discount for 2 years
Initial rate
1.03%
then 4.24% (variable)
Monthly repayments
£473
Scheme fees
£699
Annual cost
£6,188
Fees and charges
Booking fee £0
Arrangement fee £699
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 2 years
Other info
Exit fee £125
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.03% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £472 and 276 payments of £659. The total amount payable would be £193,911 made up of the loan amount plus interest (£68,212) and fees (£699). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
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Barclays
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.04%
then 3.74% (variable)
Monthly repayments
£473
Scheme fees
£799
Annual cost
£6,185
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 25% pa
Early repayment charge:
1% for 2 years
Other info
Exit fee £80
Basic legals LC Conv
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.04% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £473 and 276 payments of £628. The total amount payable would be £185,479 made up of the loan amount plus interest (£59,680) and fees (£799). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
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Cumberland
Max LTV 60%:
3.16% discount for 2 years
Initial rate
1.08%
then 4.24% (variable)
Monthly repayments
£476
Scheme fees
£699
Annual cost
£6,222
Fees and charges
Booking fee £0
Arrangement fee £699
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 1 year
Other info
Exit fee £125
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.08% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £475 and 276 payments of £659. The total amount payable would be £193,983 made up of the loan amount plus interest (£68,284) and fees (£699). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
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Santander
Max LTV 60%:
Base +0.84% for 2 years
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£749
Annual cost
£6,254
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £225
Basic legals LC Conv
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,473 made up of the loan amount plus interest (£72,724) and fees (£749). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
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Sainsburys
Max LTV 60%:
Fixed to 31/12/19
Initial rate
1.09%
then 3.99% (variable)
Monthly repayments
£476
Scheme fees
£745
Annual cost
£6,225
Fees and charges
Booking fee £0
Arrangement fee £745
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/12/19
Other info
Exit fee £100
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.09% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £476 and 276 payments of £644. The total amount payable would be £189,913 made up of the loan amount plus interest (£64,168) and fees (£745). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
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HSBC
Max LTV 70%:
Base +0.84% for 2 years
Initial rate
1.09%
then 3.69% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,312
Fees and charges
Booking fee £99
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £476 and 276 payments of £625. The total amount payable would be £184,923 made up of the loan amount plus interest (£58,924) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
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HSBC
Max LTV 75%:
Base +0.84% for 2 years
Initial rate
1.09%
then 3.69% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,312
Fees and charges
Booking fee £99
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £476 and 276 payments of £625. The total amount payable would be £184,923 made up of the loan amount plus interest (£58,924) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Yorkshire BS
Max LTV 75%:
3.65% discount to 29/02/20
Initial rate
1.09%
then 4.74% (variable)
Monthly repayments
£476
Scheme fees
£1,230
Annual cost
£6,329
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £476 and 276 payments of £692. The total amount payable would be £203,646 made up of the loan amount plus interest (£77,416) and fees (£1,230). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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Hanley Economic
Max LTV 60%:
Fixed to 31/12/19
Initial rate
1.09%
then 4.94% (variable)
Monthly repayments
£476
Scheme fees
£725
Annual cost
£6,207
Fees and charges
Booking fee £250
Arrangement fee £475
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/12/19
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.09% and then on a variable rate of 4.94% for the remaining 23 years would require 24 payments of £476 and 276 payments of £705. The total amount payable would be £206,729 made up of the loan amount plus interest (£81,004) and fees (£725). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Yorkshire BS
Max LTV 75%:
Base +0.84% to 29/02/20
Initial rate
1.09%
then 4.74% (variable)
Monthly repayments
£476
Scheme fees
£1,230
Annual cost
£6,329
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £476 and 276 payments of £692. The total amount payable would be £203,646 made up of the loan amount plus interest (£77,416) and fees (£1,230). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 4.2% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Hanley Economic
Max LTV 75%:
Fixed to 31/12/19
Initial rate
1.12%
then 4.94% (variable)
Monthly repayments
£478
Scheme fees
£745
Annual cost
£6,237
Fees and charges
Booking fee £250
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/12/19
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.12% and then on a variable rate of 4.94% for the remaining 23 years would require 24 payments of £477 and 276 payments of £705. The total amount payable would be £206,773 made up of the loan amount plus interest (£81,028) and fees (£745). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Yorkshire BS
Max LTV 75%:
Fixed to 29/02/20
Initial rate
1.13%
then 4.74% (variable)
Monthly repayments
£478
Scheme fees
£1,230
Annual cost
£6,357
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.13% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £478 and 276 payments of £692. The total amount payable would be £203,694 made up of the loan amount plus interest (£77,464) and fees (£1,230). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Cumberland
Max LTV 75%:
3.11% discount for 2 years
Initial rate
1.13%
then 4.24% (variable)
Monthly repayments
£478
Scheme fees
£699
Annual cost
£6,256
Fees and charges
Booking fee £0
Arrangement fee £699
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 1 year
Other info
Exit fee £125
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.13% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £478 and 276 payments of £660. The total amount payable would be £194,331 made up of the loan amount plus interest (£68,632) and fees (£699). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
AA Mortgages
Max LTV 60%:
Fixed to 31/08/19
Initial rate
1.13%
then 4.24% (variable)
Monthly repayments
£478
Scheme fees
£1,495
Annual cost
£6,644
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/08/19
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.13% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £478 and 276 payments of £660. The total amount payable would be £195,127 made up of the loan amount plus interest (£68,632) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Chelsea
Max LTV 65%:
Fixed to 30/11/19
Initial rate
1.14%
then 4.74% (variable)
Monthly repayments
£479
Scheme fees
£1,930
Annual cost
£6,714
Fees and charges
Booking fee £0
Arrangement fee £1,695
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £479 and 276 payments of £692. The total amount payable would be £204,418 made up of the loan amount plus interest (£77,488) and fees (£1,930). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 60%:
Fixed to 30/11/19
Initial rate
1.14%
then 4.49% (variable)
Monthly repayments
£479
Scheme fees
£1,499
Annual cost
£6,640
Fees and charges
Booking fee £150
Arrangement fee £1,349
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £479 and 276 payments of £676. The total amount payable would be £199,571 made up of the loan amount plus interest (£73,072) and fees (£1,499). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
HSBC
Max LTV 80%:
Base +0.89% for 2 years
Initial rate
1.14%
then 3.69% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,347
Fees and charges
Booking fee £99
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £479 and 276 payments of £625. The total amount payable would be £184,995 made up of the loan amount plus interest (£58,996) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 75%:
Fixed to 30/11/19
Initial rate
1.14%
then 4.49% (variable)
Monthly repayments
£479
Scheme fees
£1,499
Annual cost
£6,640
Fees and charges
Booking fee £150
Arrangement fee £1,349
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £479 and 276 payments of £676. The total amount payable would be £199,571 made up of the loan amount plus interest (£73,072) and fees (£1,499). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 70%:
Fixed to 30/11/19
Initial rate
1.14%
then 4.49% (variable)
Monthly repayments
£479
Scheme fees
£1,499
Annual cost
£6,640
Fees and charges
Booking fee £150
Arrangement fee £1,349
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £479 and 276 payments of £676. The total amount payable would be £199,571 made up of the loan amount plus interest (£73,072) and fees (£1,499). The overall cost for comparison is 4.0% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Chelsea
Max LTV 65%:
Base +0.90% to 30/11/19
Initial rate
1.15%
then 4.74% (variable)
Monthly repayments
£480
Scheme fees
£1,230
Annual cost
£6,371
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.15% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £479 and 276 payments of £692. The total amount payable would be £203,718 made up of the loan amount plus interest (£77,488) and fees (£1,230). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% No Early Repayment Charges
Overall cost for comparison 4.2% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Chelsea
Max LTV 75%:
Fixed to 30/11/19
Initial rate
1.17%
then 4.74% (variable)
Monthly repayments
£481
Scheme fees
£1,930
Annual cost
£6,734
Fees and charges
Booking fee £0
Arrangement fee £1,695
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.17% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £480 and 276 payments of £692. The total amount payable would be £204,442 made up of the loan amount plus interest (£77,512) and fees (£1,930). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Yorkshire BS
Max LTV 65%:
3.57% discount to 29/02/20
Initial rate
1.17%
then 4.74% (variable)
Monthly repayments
£481
Scheme fees
£730
Annual cost
£6,134
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.17% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £480 and 276 payments of £692. The total amount payable would be £203,242 made up of the loan amount plus interest (£77,512) and fees (£730). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
AA Mortgages
Max LTV 75%:
Fixed to 31/08/19
Initial rate
1.18%
then 4.24% (variable)
Monthly repayments
£481
Scheme fees
£1,495
Annual cost
£6,679
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/08/19
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.18% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £481 and 276 payments of £660. The total amount payable would be £195,199 made up of the loan amount plus interest (£68,704) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Virgin Money
Max LTV 65%:
Base +0.93% to 01/01/20
Initial rate
1.18%
then 4.54% (variable)
Monthly repayments
£481
Scheme fees
£995
Annual cost
£6,381
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 01/01/20
Other info
Exit fee £50
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.18% and then on a variable rate of 4.54% for the remaining 23 years would require 24 payments of £481 and 276 payments of £679. The total amount payable would be £199,943 made up of the loan amount plus interest (£73,948) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Sainsburys
Max LTV 75%:
Fixed to 31/12/19
Initial rate
1.19%
then 3.99% (variable)
Monthly repayments
£482
Scheme fees
£745
Annual cost
£6,294
Fees and charges
Booking fee £0
Arrangement fee £745
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/12/19
Other info
Exit fee £100
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £481 and 276 payments of £644. The total amount payable would be £190,033 made up of the loan amount plus interest (£64,288) and fees (£745). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.19%
then 4.74% (variable)
Monthly repayments
£482
Scheme fees
£1,149
Annual cost
£6,502
Fees and charges
Booking fee £150
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% for 2 years
Other info
Exit fee £50
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £692. The total amount payable would be £203,685 made up of the loan amount plus interest (£77,536) and fees (£1,149). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Santander
Max LTV 60%:
Fixed to 02/01/20
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£749
Annual cost
£6,323
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% until 02/01/20
Other info
Exit fee £225
Basic legals LC Conv
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £481 and 276 payments of £676. The total amount payable would be £198,869 made up of the loan amount plus interest (£73,120) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Nationwide
Max LTV 60%:
Base +0.94% for 2 years
Initial rate
1.19%
then 3.74% (variable)
Monthly repayments
£482
Scheme fees
£499
Annual cost
£6,243
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £65
Basic legals LC Conv
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £628. The total amount payable would be £185,371 made up of the loan amount plus interest (£59,872) and fees (£499). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Accord
Max LTV 65%:
Base 0.94% to 31/12/19
Initial rate
1.19%
then 5.54% (variable)
Monthly repayments
£482
Scheme fees
£995
Annual cost
£6,398
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £481 and 276 payments of £746. The total amount payable would be £218,435 made up of the loan amount plus interest (£92,440) and fees (£995). The overall cost for comparison is 4.8% APRC representative.
Max LTV 65% No Early Repayment Charges
Overall cost for comparison 4.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Platform
Max LTV 60%:
Fixed to 30/11/19
Initial rate
1.19%
then 4.74% (variable)
Monthly repayments
£482
Scheme fees
£749
Annual cost
£6,247
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £74
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £692. The total amount payable would be £203,285 made up of the loan amount plus interest (£77,536) and fees (£749). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Post Office
Max LTV 60%:
Fixed to 31/12/19
Initial rate
1.19%
then 4.24% (variable)
Monthly repayments
£482
Scheme fees
£1,495
Annual cost
£6,686
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/12/19
Other info
Exit fee £195
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £481 and 276 payments of £660. The total amount payable would be £195,199 made up of the loan amount plus interest (£68,704) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Skipton
Max LTV 60%:
Base +0.95% for 2 years
Initial rate
1.20%
then 4.74% (variable)
Monthly repayments
£482
Scheme fees
£0
Annual cost
£5,915
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
0.5% for 2 years
Other info
Exit fee £60
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.20% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £482 and 276 payments of £692. The total amount payable would be £202,560 made up of the loan amount plus interest (£77,560) and fees (£0). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Yorkshire BS
Max LTV 65%:
Fixed to 29/02/20
Initial rate
1.21%
then 4.74% (variable)
Monthly repayments
£483
Scheme fees
£245
Annual cost
£6,037
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 29/02/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.21% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £483 and 276 payments of £692. The total amount payable would be £202,829 made up of the loan amount plus interest (£77,584) and fees (£245). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Post Office
Max LTV 75%:
Fixed to 31/12/19
Initial rate
1.23%
then 4.24% (variable)
Monthly repayments
£484
Scheme fees
£995
Annual cost
£6,463
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/12/19
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.23% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £484 and 276 payments of £660. The total amount payable would be £194,771 made up of the loan amount plus interest (£68,776) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Bank of Ireland
Max LTV 60%:
Fixed to 31/12/19
Initial rate
1.23%
then 4.24% (variable)
Monthly repayments
£484
Scheme fees
£995
Annual cost
£6,463
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/12/19
Other info
Exit fee £195
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.23% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £484 and 276 payments of £660. The total amount payable would be £194,771 made up of the loan amount plus interest (£68,776) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 60%:
Fixed to 30/11/19
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,459
Fees and charges
Booking fee £150
Arrangement fee £849
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £199,191 made up of the loan amount plus interest (£73,192) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 75%:
Fixed to 30/11/19
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,459
Fees and charges
Booking fee £150
Arrangement fee £849
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £199,191 made up of the loan amount plus interest (£73,192) and fees (£999). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Clydesdale
Max LTV 60%:
Fixed to 31/12/19
Initial rate
1.24%
then 4.70% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,517
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/12/19
Other info
Exit fee £195
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 4.70% for the remaining 23 years would require 24 payments of £484 and 276 payments of £690. The total amount payable would be £203,055 made up of the loan amount plus interest (£77,056) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Sainsburys
Max LTV 80%:
Fixed to 31/12/19
Initial rate
1.24%
then 3.99% (variable)
Monthly repayments
£485
Scheme fees
£745
Annual cost
£6,328
Fees and charges
Booking fee £0
Arrangement fee £745
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/12/19
Other info
Exit fee £100
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £484 and 276 payments of £644. The total amount payable would be £190,105 made up of the loan amount plus interest (£64,360) and fees (£745). The overall cost for comparison is 3.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.24%
then 3.74% (variable)
Monthly repayments
£485
Scheme fees
£499
Annual cost
£6,277
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £65
Basic legals LC Conv
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £484 and 276 payments of £629. The total amount payable would be £185,719 made up of the loan amount plus interest (£60,220) and fees (£499). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.69% (variable)
Monthly repayments
£485
Scheme fees
£957
Annual cost
£6,278
Fees and charges
Booking fee £725
Arrangement fee £0
Valuation fee £232
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 2 years
Other info
Exit fee £149
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £484 and 276 payments of £626. The total amount payable would be £185,349 made up of the loan amount plus interest (£59,392) and fees (£957). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
HSBC
Max LTV 85%:
Base +0.99% for 2 years
Initial rate
1.24%
then 3.69% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,415
Fees and charges
Booking fee £99
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 3.69% for the remaining 23 years would require 24 payments of £484 and 276 payments of £626. The total amount payable would be £185,391 made up of the loan amount plus interest (£59,392) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Co-Op
Max LTV 70%:
Fixed to 30/11/19
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,459
Fees and charges
Booking fee £150
Arrangement fee £849
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/19
Other info
Exit fee £89
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £199,191 made up of the loan amount plus interest (£73,192) and fees (£999). The overall cost for comparison is 4.0% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Furness
Max LTV 80%:
4.05% discount for 2 years
Initial rate
1.24%
then 5.29% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,452
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £0
Basic legals Free
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £484 and 276 payments of £729. The total amount payable would be £213,819 made up of the loan amount plus interest (£87,820) and fees (£999). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
Principality
Max LTV 75%:
Fixed to 31/10/19
Initial rate
1.25%
then 4.74% (variable)
Monthly repayments
£485
Scheme fees
£1,775
Annual cost
£6,687
Fees and charges
Booking fee £0
Arrangement fee £1,395
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 31/10/19
Other info
Exit fee £155
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.25% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £485 and 276 payments of £693. The total amount payable would be £204,683 made up of the loan amount plus interest (£77,908) and fees (£1,775). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Confused by the options? Speak to an expert mortgage adviser on 0808 292 0724 or arrange a call back
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When compiling our best buy tables we choose the best mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

By choosing L&C to find your next mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to get the best mortgage deal for your circumstances, saving you time and effort. Our best buy tables below show you the pick of the mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.

Guide to Mortgage Rates & Deals

Why use London & Country for your mortgage?

If you need to take out a mortgage, the huge choice of mortgage deals available combined with lots of confusing jargon can be enough to make anyone nervous. After all, this is likely to be one of the biggest financial decisions of your life, so you’ll want to get it right. That’s why it’s a good idea to seek expert help so that you can find the best mortgage rates or deals to suit your individual needs. Here at L&C, the UK’s leading mortgage broker, we can guide you through the process from start to finish and explain all the different options available to you, making finding a mortgage not so daunting after all.

What types of mortgage deals are available?

There are several different kinds of mortgage to choose from. The best mortgage deal for you will depend on whether you want your monthly payments to be the same every month, or whether you’re happy for payments to go up and down over time.

Here are the main types of deal and how they work:

Fixed: With a fixed rate mortgage, you sign up to a set rate for a certain period of time, usually ranging from two to five years, although it is possible to lock into longer term fixed rate deals too. The rate won’t change during the term of the deal regardless of what happens to the Bank of England base rate, so you’ll have peace of mind that your payments won’t change. Fixed rate mortgages usually appeal to homebuyers who want certainty when budgeting.

Tracker: This type of mortgage, as its name suggests, usually tracks the Bank of England base rate, plus a set percentage. For example, if you chose a mortgage deal which tracked the base rate plus another 2%, given the base rate is currently 0.25%, this would mean your payable mortgage rate would be 2.25%. The main advantage of a tracker deal is that when rates are falling you will benefit, but if and when rates start to rise, so will the cost of your mortgage payments.

Offset: With an offset mortgage, you can offset any savings you have against the amount you owe on your mortgage, reducing the amount of interest you pay. So, if you have a £150,000 mortgage and £30,000 in savings, you can offset these savings against your mortgage, meaning you only pay interest on £120,000 of your mortgage. You will still have access to your savings whenever you want. Rates on offset mortgages can be slightly higher than on standard mortgages.

Capped: A capped rate mortgage will have a variable rate, so your payments can go up or down, but the rate will never exceed a certain limit, or cap. This type of mortgage may appeal to you if you think mortgage rates could have further to fall, but want some protection that there is a ceiling beyond which your monthly payments can’t rise.

Discounted: This type of mortgage offers you a discount off the lender’s standard variable rate for a set period of time. For example, if a lender has a variable rate of 4.5%, they might offer you a discount of 2.25% off this rate for two years or longer, giving you a payable rate of 2.25%. Discounted mortgage rates are variable, so if your lender raises or lowers their standard variable rate, your monthly payments will go up or down too.

Remember that with any of the types of mortgage deal outlined above, there will usually be a penalty to pay if you want to get out of a deal early.

How do you know which mortgage rate or deal is right for you?

The right type of mortgage for you will depend on your individual circumstances and requirements, and that’s where we at L&C can help, talking you through all the options that are available to you.

For example, if you only have a small deposit to put down when buying a home, your mortgage choices will be more limited than if you have a larger deposit. The best mortgage rates tend to be available to those with larger deposits as this means less risk for the lender. Mortgage rates offered to those with smaller deposits will also be higher than those offered to homebuyers with big deposits, but we can help you find the best possible deal to suit your needs.

Your mortgage options may also be restricted if you are self-employed. Typically, lenders will want to see at least three years of accounts if you work for yourself. If you are employed, but have only worked for your employer for a short period of time, this can also have an impact on the number of mortgages that might be available to you.

The type of mortgage deal you can go for may also depend on the type of property you are buying. Certain lenders specialise in offering mortgages on properties that might not be considered ‘standard’ such as properties above commercial premises or in high-rise blocks.

Remember too that lenders will scrutinise your credit history before agreeing to offer you a mortgage, so it’s a good idea to check your credit score before you start applying. This will enable you to see whether there are any errors on your credit report, as well as giving you an idea of how likely you are to be expected. The higher your score, the better your chances will be, but if you’ve had County Court Judgements against you in the past, or have missed repayments, lenders are less likely to accept your application. Even not being registered to vote at your address can have an impact on your credit score, so check you are on the electoral roll.

Mortgage set up fees

Even some of the best mortgage deals will have set-up fees, and it’s vital to check what these are before signing up to a particular deal, as they can add substantially to the overall cost of your mortgage.

There are usually two types of fee which are charged, an arrangement fee and a booking fee. The booking fee is basically a charge for you to reserve the particular deal you want. This is a non-refundable fee, so if you don’t end up taking out the mortgage, you won’t get your money back.

The arrangement fee, which is charged by a lender to arrange the mortgage on your behalf, is only charged when your mortgage completes, so if for any reason you don’t end up taking the mortgage, you won’t have to pay it.

In some cases, it may be better to opt for a deal with a slightly higher mortgage rate and lower fees than a mortgage with a very high fee but lower rate, particularly if you are only applying for a small mortgage. If you are taking out a large mortgage, however, then it might make more sense for you to go for a deal with a larger fee and a lower rate. At L&C we can do the sums for you to help you work out which option is likely to be most cost-effective for you.

Additional mortgage considerations when looking for the right mortgage deal

There are several other things you need to think about when choosing a mortgage.

  • Length of mortgage

How long do you want your mortgage to be? Remember that the shorter the mortgage term you choose, the less interest you will pay overall and the faster you will pay off what you owe, although your monthly payments will be more expensive than if you opt for a longer term. When remortgaging, make sure you factor in how long you have already had your mortgage and reduce your term by that length of time. For example, if you originally took out a 25-year mortgage and have just come to the end of a five-year fixed rate mortgage deal, when you remortgage you should do so over a 20-year term, as you’ve already been paying off your mortgage for five years.

  • Deal term

If you are signing up for a fixed, tracker, capped or discounted mortgage deal, think about how long you want to tie yourself in for. Mortgage deals will usually impose early repayment charges (ERCs) if you leave them before they finish, so if you think a move could be on the cards in a couple of years it probably makes more sense to lock into a two-year deal rather than a five-year one.

Although most mortgage deals are portable these days, you will still have to go through the application process again to move your mortgage across to a new property, and if the amount you are borrowing is increasing, you may have to accept that part of your mortgage will be on a different rate.

  • Repayment or interest-only

When you choose a repayment mortgage, your monthly payments go towards paying off the interest you owe and the capital you have borrowed. If you choose an interest-only mortgage, however, you only pay off the interest you owe each month, and none of the capital. Instead, you are supposed to pay into a savings plan each month, with the aim that this money can be used to pay off your mortgage at the end of the term.

Very few lenders now offer interest-only mortgages because of fears that homebuyers won’t set up plans to repay them, so you will usually only be offered a repayment mortgage. This means that you have peace of mind your mortgage will definitely be repaid in full at the end of the term. If you are set on going for an interest-only mortgage, you will usually only be able to get one if you have a very large deposit to put down if you are buying, or if you have a significant amount of equity in your property if you are remortgaging.

Are UK mortgage rates going up?

Interest rates are currently at record lows, so there has never been a better time to get a mortgage, although many homebuyers and those who already own property are naturally worried about rates increasing in future.

The Bank of England first cut the base rate to 0.5% in March 2009, at the peak of the global financial crisis which started in 2007. Since then, homebuyers and those looking to remortgage have enjoyed exceptionally low mortgage rates – a far cry from 1979 when the base rate peaked at an eye-watering 17%.

Rates dropped even lower in August 2016, when they were cut to 0.25% by the Monetary Policy Committee (MPC) following the EU referendum result. The MPC meets monthly to decide whether the base rate will move or not. Its aim is to keep inflation, or the cost of living, to a 2% target as well as to ensure the economy remains financially stable. The August cut was part of a major stimulus package announced by the Bank of England to prevent the economy destabilising following the UK’s decision to leave the EU.

But where will interest rates go next? Many experts believe that rates will remain low for the foreseeable future, with some claiming that we won’t see any increase until 2020 at the earliest. Others believe that rates could even be cut again as Britain gradually negotiates its exit from Europe.

Bear in mind however, that given mortgage rates are already currently so low that even if interest rates do reduce further, lenders may not make further cuts to their rates in response. Following August’s cut, several lenders made no change to their standard variable rates, although the majority passed on some or all of the quarter of a percentage point reduction. Even if your lender has passed on the rate cut in full, don’t be tempted to stay on the standard variable rate as you may well be able to do much better by remortgaging to a different mortgage deal.

Of course, no-one really knows exactly what the future holds for interest rates, but what is certain is that we should make the most of rock-bottom mortgage rates while they are available. That said, it’s really important you are prepared for the financial consequences of any potential rise, however far away that might be. When choosing a mortgage, you will therefore need to consider whether you would be able to afford higher monthly mortgage payments when interest rates do go up. This will also influence the type of mortgage you choose. For example, if stability is your biggest priority and you’d find higher payments a stretch, you may want to lock into a longer term fixed rate, but if you’re confident rates will remain very low for the next few years, you might feel more confident about opting for a variable rate deal instead.