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COMPARE 1000S OF first time buyer MORTGAGE RATES & DEALS

Our best buy tables are a great starting point to give you an idea of what rates are available, but to find out which deals you actually qualify for use our Online Mortgage Finder or speak to one of our expert advisers. Whichever one you choose you’ll benefit from our expert help and support throughout the entire mortgage process.

£
We've calculated this from our average customer
Loans are typically over 25 years, so we've defaulted to that for you
£
We've calculated this from our average customer
£
Most loans are on a repayment basis, so we've left this as 0
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Halifax
Max LTV 60%:
Base +0.23% to 31/03/22
Initial rate
0.98%
then 4.24% (variable)
Monthly repayments
£470
Scheme fees
£1,199
Annual cost
£6,239
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
0.8% reducing to 0.6% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
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 £194,339 made up of the loan amount plus interest (£68,140) and fees (£1,199). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 60%:
Fixed to 31/03/22
Initial rate
1.08%
then 4.24% (variable)
Monthly repayments
£476
Scheme fees
£1,199
Annual cost
£6,307
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% reducing to 1% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed 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 £194,483 made up of the loan amount plus interest (£68,284) and fees (£1,199). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 75%:
Base +0.38% to 31/03/22
Initial rate
1.13%
then 4.24% (variable)
Monthly repayments
£478
Scheme fees
£1,199
Annual cost
£6,341
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
0.8% reducing to 0.6% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
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 £194,831 made up of the loan amount plus interest (£68,632) and fees (£1,199). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.19%
then 4.24% (variable)
Monthly repayments
£482
Scheme fees
£995
Annual cost
£6,281
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:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
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 £194,699 made up of the loan amount plus interest (£68,704) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.21%
then 4.24% (variable)
Monthly repayments
£483
Scheme fees
£999
Annual cost
£6,296
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% until 31/01/22
Other info
Exit fee £80
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 4.24% for the remaining 23 years would require 24 payments of £483 and 276 payments of £660. The total amount payable would be £194,751 made up of the loan amount plus interest (£68,752) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.21%
then 4.24% (variable)
Monthly repayments
£483
Scheme fees
£993
Annual cost
£6,293
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
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 4.24% for the remaining 23 years would require 24 payments of £483 and 276 payments of £660. The total amount payable would be £194,745 made up of the loan amount plus interest (£68,752) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Santander
Max LTV 60%:
Fixed to 02/02/22
Initial rate
1.21%
then 4.00% (variable)
Monthly repayments
£483
Scheme fees
£749
Annual cost
£6,171
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 02/02/22
Other info
Exit fee £225
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 4.00% for the remaining 23 years would require 24 payments of £483 and 276 payments of £645. The total amount payable would be £190,361 made up of the loan amount plus interest (£64,612) and fees (£749). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 75%:
Fixed to 31/03/22
Initial rate
1.23%
then 4.24% (variable)
Monthly repayments
£484
Scheme fees
£1,199
Annual cost
£6,410
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% reducing to 0.9% until 31/03/22
Other info
Exit fee £0
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 £194,975 made up of the loan amount plus interest (£68,776) and fees (£1,199). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 70%:
Fixed to 31/01/22
Initial rate
1.23%
then 4.24% (variable)
Monthly repayments
£484
Scheme fees
£993
Annual cost
£6,307
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
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 £194,769 made up of the loan amount plus interest (£68,776) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 70%:
Fixed to 31/01/22
Initial rate
1.24%
then 4.24% (variable)
Monthly repayments
£485
Scheme fees
£995
Annual cost
£6,315
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:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
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 4.24% 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 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Platform
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.24%
then 4.99% (variable)
Monthly repayments
£485
Scheme fees
£749
Annual cost
£6,192
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 31/01/22
Other info
Exit fee £74
Basic legals Payable
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 4.99% for the remaining 23 years would require 24 payments of £484 and 276 payments of £709. The total amount payable would be £208,049 made up of the loan amount plus interest (£82,300) and fees (£749). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.24%
then 4.19% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
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% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
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 4.19% for the remaining 23 years would require 24 payments of £484 and 276 payments of £657. The total amount payable would be £193,947 made up of the loan amount plus interest (£67,948) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.25%
then 4.24% (variable)
Monthly repayments
£485
Scheme fees
£993
Annual cost
£6,321
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
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 4.24% for the remaining 23 years would require 24 payments of £485 and 276 payments of £660. The total amount payable would be £194,793 made up of the loan amount plus interest (£68,800) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.26%
then 4.24% (variable)
Monthly repayments
£486
Scheme fees
£995
Annual cost
£6,329
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:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.26% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £485 and 276 payments of £660. The total amount payable would be £194,795 made up of the loan amount plus interest (£68,800) 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
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Post Office
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.27%
then 4.74% (variable)
Monthly repayments
£487
Scheme fees
£1,495
Annual cost
£6,586
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 31/01/22
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 1.27% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £486 and 276 payments of £693. The total amount payable would be £204,427 made up of the loan amount plus interest (£77,932) and fees (£1,495). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 60%:
Fixed to 31/03/22
Initial rate
1.28%
then 4.24% (variable)
Monthly repayments
£487
Scheme fees
£1,199
Annual cost
£6,445
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% reducing to 1% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £487 and 276 payments of £661. The total amount payable would be £195,323 made up of the loan amount plus interest (£69,124) and fees (£1,199). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.28%
then 4.24% (variable)
Monthly repayments
£487
Scheme fees
£993
Annual cost
£6,342
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £487 and 276 payments of £661. The total amount payable would be £195,117 made up of the loan amount plus interest (£69,124) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 70%:
Fixed to 31/01/22
Initial rate
1.29%
then 4.19% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
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% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £487 and 276 payments of £657. The total amount payable would be £194,019 made up of the loan amount plus interest (£68,020) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.29%
then 4.19% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
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% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £487 and 276 payments of £657. The total amount payable would be £194,019 made up of the loan amount plus interest (£68,020) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Santander
Max LTV 75%:
Fixed to 02/02/22
Initial rate
1.29%
then 4.00% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
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% until 02/02/22
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 4.00% for the remaining 23 years would require 24 payments of £487 and 276 payments of £645. The total amount payable would be £190,707 made up of the loan amount plus interest (£64,708) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Coventry
Max LTV 50%:
Fixed until 31/12/21
Initial rate
1.29%
then 4.99% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
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% until 31/12/21
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £487 and 276 payments of £709. The total amount payable would be £208,371 made up of the loan amount plus interest (£82,372) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.32%
then 4.24% (variable)
Monthly repayments
£489
Scheme fees
£999
Annual cost
£6,373
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% until 31/01/22
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.32% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £489 and 276 payments of £661. The total amount payable would be £195,171 made up of the loan amount plus interest (£69,172) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 80%:
Base +0.58% to 31/03/22
Initial rate
1.33%
then 4.24% (variable)
Monthly repayments
£490
Scheme fees
£1,199
Annual cost
£6,480
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
0.8% reducing to 0.6% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.33% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £490 and 276 payments of £661. The total amount payable would be £195,395 made up of the loan amount plus interest (£69,196) and fees (£1,199). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Platform
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.34%
then 4.99% (variable)
Monthly repayments
£491
Scheme fees
£749
Annual cost
£6,261
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 31/01/22
Other info
Exit fee £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £490 and 276 payments of £710. The total amount payable would be £208,469 made up of the loan amount plus interest (£82,720) and fees (£749). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 60%:
Base +0.59% for 2 years
Initial rate
1.34%
then 4.19% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £490 and 276 payments of £658. The total amount payable would be £194,367 made up of the loan amount plus interest (£68,368) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Coventry
Max LTV 65%:
Fixed until 31/12/21
Initial rate
1.39%
then 4.99% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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% until 31/12/21
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £493 and 276 payments of £710. The total amount payable would be £208,791 made up of the loan amount plus interest (£82,792) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Coventry
Max LTV 50%:
Fixed until 31/12/21
Initial rate
1.39%
then 4.99% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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% until 31/12/21
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £493 and 276 payments of £710. The total amount payable would be £208,791 made up of the loan amount plus interest (£82,792) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Santander
Max LTV 60%:
Fixed to 02/02/22
Initial rate
1.39%
then 4.00% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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% until 02/02/22
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.00% for the remaining 23 years would require 24 payments of £493 and 276 payments of £646. The total amount payable would be £191,127 made up of the loan amount plus interest (£65,128) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 70%:
Fixed to 31/01/22
Initial rate
1.39%
then 4.24% (variable)
Monthly repayments
£493
Scheme fees
£993
Annual cost
£6,418
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £493 and 276 payments of £661. The total amount payable would be £195,261 made up of the loan amount plus interest (£69,268) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.39%
then 4.24% (variable)
Monthly repayments
£493
Scheme fees
£993
Annual cost
£6,418
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £493 and 276 payments of £661. The total amount payable would be £195,261 made up of the loan amount plus interest (£69,268) and fees (£993). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Leeds
Max LTV 75%:
4.30% discount for 2 years
Initial rate
1.39%
then 5.69% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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% for 2 years
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £493 and 276 payments of £757. The total amount payable would be £221,763 made up of the loan amount plus interest (£95,764) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Furness
Max LTV 60%:
4.40% discount for 2 years
Initial rate
1.39%
then 5.79% (variable)
Monthly repayments
£493
Scheme fees
£1,304
Annual cost
£6,574
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £305
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 Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% and then on a variable rate of 5.79% for the remaining 23 years would require 24 payments of £493 and 276 payments of £764. The total amount payable would be £224,000 made up of the loan amount plus interest (£97,696) and fees (£1,304). The overall cost for comparison is 5.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.2% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Clydesdale
Max LTV 75%:
Fixed to 31/01/22
Initial rate
1.39%
then 5.20% (variable)
Monthly repayments
£493
Scheme fees
£1,399
Annual cost
£6,621
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £400
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/01/22
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 1.39% and then on a variable rate of 5.20% for the remaining 23 years would require 24 payments of £493 and 276 payments of £724. The total amount payable would be £213,055 made up of the loan amount plus interest (£86,656) and fees (£1,399). The overall cost for comparison is 4.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.39%
then 4.19% (variable)
Monthly repayments
£493
Scheme fees
£525
Annual cost
£6,184
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £35
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 Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £493 and 276 payments of £658. The total amount payable would be £193,965 made up of the loan amount plus interest (£68,440) and fees (£525). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 85%:
Base +0.65% to 31/03/22
Initial rate
1.40%
then 4.24% (variable)
Monthly repayments
£494
Scheme fees
£1,199
Annual cost
£6,528
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% reducing to 0.9% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.40% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £494 and 276 payments of £661. The total amount payable would be £195,491 made up of the loan amount plus interest (£69,292) and fees (£1,199). The overall cost for comparison is 3.8% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 80%:
Fixed to 31/01/22
Initial rate
1.41%
then 4.24% (variable)
Monthly repayments
£495
Scheme fees
£993
Annual cost
£6,432
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.41% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £494 and 276 payments of £661. The total amount payable would be £195,285 made up of the loan amount plus interest (£69,292) and fees (£993). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Cumberland
Max LTV 60%:
3.31% discount for 2 years
Initial rate
1.43%
then 4.74% (variable)
Monthly repayments
£496
Scheme fees
£2,329
Annual cost
£7,114
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £330
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.43% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £495 and 276 payments of £694. The total amount payable would be £205,753 made up of the loan amount plus interest (£78,424) and fees (£2,329). The overall cost for comparison is 4.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 80%:
Fixed to 31/03/22
Initial rate
1.43%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£1,199
Annual cost
£6,549
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.4% reducing to 0.7% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £495 and 276 payments of £661. The total amount payable would be £195,515 made up of the loan amount plus interest (£69,316) and fees (£1,199). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Bank of Ireland
Max LTV 60%:
Fixed to 28/02/22
Initial rate
1.43%
then 4.74% (variable)
Monthly repayments
£496
Scheme fees
£295
Annual cost
£6,097
Fees and charges
Booking fee £0
Arrangement fee £295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 28/02/22
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 1.43% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £495 and 276 payments of £694. The total amount payable would be £203,719 made up of the loan amount plus interest (£78,424) and fees (£295). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 75%:
Fixed to 31/03/22
Initial rate
1.43%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£1,199
Annual cost
£6,549
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% reducing to 1.1% until 31/03/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £495 and 276 payments of £661. The total amount payable would be £195,515 made up of the loan amount plus interest (£69,316) and fees (£1,199). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Skipton
Max LTV 60%:
Fixed to 31/12/24
Initial rate
1.44%
then 4.99% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,156
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:
5% reducing to 2% until 31/12/24
Other info
Exit fee £75
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.44% and then on a variable rate of 4.99% for the remaining 20 years would require 60 payments of £496 and 240 payments of £682. The total amount payable would be £194,435 made up of the loan amount plus interest (£68,440) and fees (£995). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Yorkshire BS
Max LTV 65%:
Fixed to 31/03/22
Initial rate
1.44%
then 4.99% (variable)
Monthly repayments
£496
Scheme fees
£1,730
Annual cost
£6,822
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:
2.5% reducing to 1.5% until 31/03/22
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 1.44% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £496 and 276 payments of £710. The total amount payable would be £209,594 made up of the loan amount plus interest (£82,864) and fees (£1,730). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Halifax
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.44%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£1,199
Annual cost
£6,356
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.1% until 31/03/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.44% and then on a variable rate of 4.24% for the remaining 22 years would require 36 payments of £496 and 264 payments of £654. The total amount payable would be £191,711 made up of the loan amount plus interest (£65,512) and fees (£1,199). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Santander
Max LTV 75%:
Fixed to 02/02/22
Initial rate
1.44%
then 4.00% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
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% until 02/02/22
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.00% for the remaining 23 years would require 24 payments of £496 and 276 payments of £646. The total amount payable would be £191,199 made up of the loan amount plus interest (£65,200) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 60%:
Fixed to 31/01/23
Initial rate
1.44%
then 4.19% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,290
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 1% until 31/01/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.44% and then on a variable rate of 4.19% for the remaining 22 years would require 36 payments of £496 and 264 payments of £651. The total amount payable would be £190,719 made up of the loan amount plus interest (£64,720) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 75%:
Base +0.69% for 2 years
Initial rate
1.44%
then 4.19% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.44% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £496 and 276 payments of £658. The total amount payable would be £194,511 made up of the loan amount plus interest (£68,512) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Nationwide
Max LTV 60%:
Base +0.69% for 2 years
Initial rate
1.44%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.44% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £496 and 276 payments of £661. The total amount payable would be £195,339 made up of the loan amount plus interest (£69,340) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Barclays
Max LTV 60%:
Base +0.69% for 2 years
Initial rate
1.44%
then 4.24% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.44% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £496 and 276 payments of £661. The total amount payable would be £195,339 made up of the loan amount plus interest (£69,340) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.9% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Natwest
Max LTV 80%:
Fixed to 31/01/22
Initial rate
1.45%
then 4.24% (variable)
Monthly repayments
£497
Scheme fees
£995
Annual cost
£6,461
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:
2% reducing to 1% until 31/01/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.45% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £496 and 276 payments of £661. The total amount payable would be £195,335 made up of the loan amount plus interest (£69,340) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Accord
Max LTV 75%:
Fixed to 31/03/22
Initial rate
1.45%
then 4.99% (variable)
Monthly repayments
£497
Scheme fees
£1,230
Annual cost
£6,579
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:
2.5% reducing to 1.5% until 31/03/22
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 1.45% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £496 and 276 payments of £710. The total amount payable would be £209,094 made up of the loan amount plus interest (£82,864) and fees (£1,230). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
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When compiling our first time buyer best buy tables we compare the best first time buyer mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best first time buyer 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 first time buyer mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to help you compare the best first time buyer mortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the first time buyer mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage to a better deal.

After taking out a first time buyer mortgage or another financial product, 93% of L&C customers would recommend us based on 1355 Reviews.co.uk respondents - as of 02/04/19. Read our reviews