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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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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
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
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
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 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
Barclays
Max LTV 60%:
Fixed to 31/10/21
Initial rate
1.24%
then 4.24% (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% until 31/10/21
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 1.24% 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 £194,775 made up of the loan amount plus interest (£68,776) 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
?
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 30/11/21
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 30/11/21
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 4.3% APRC representative.
Max LTV 60% 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 02/12/21
Initial rate
1.28%
then 4.00% (variable)
Monthly repayments
£487
Scheme fees
£749
Annual cost
£6,220
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 02/12/21
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 1.28% 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 £190,457 made up of the loan amount plus interest (£64,708) 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
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
Halifax
Max LTV 60%:
Fixed to 30/11/21
Initial rate
1.28%
then 4.24% (variable)
Monthly repayments
£487
Scheme fees
£1,195
Annual cost
£6,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 30/11/21
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 £195,319 made up of the loan amount plus interest (£69,124) and fees (£1,195). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% 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
Coventry
Max LTV 50%:
Fixed to 30/09/21
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 30/09/21
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 4.4% APRC representative.
Max LTV 50% 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 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 60%:
Fixed to 02/12/22
Initial rate
1.34%
then 4.00% (variable)
Monthly repayments
£491
Scheme fees
£1,499
Annual cost
£6,387
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% until 02/12/22
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 3 years at 1.34% and then on a variable rate of 4.00% for the remaining 22 years would require 36 payments of £490 and 264 payments of £639. The total amount payable would be £187,835 made up of the loan amount plus interest (£61,336) and fees (£1,499). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% 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 30/11/21
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 30/11/21
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 4.5% 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
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
Barclays
Max LTV 75%:
Fixed to 31/10/21
Initial rate
1.35%
then 4.24% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,393
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 31/10/21
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 1.35% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £491 and 276 payments of £661. The total amount payable would be £195,219 made up of the loan amount plus interest (£69,220) 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
Cumberland
Max LTV 60%:
3.37% discount for 2 years
Initial rate
1.37%
then 4.74% (variable)
Monthly repayments
£492
Scheme fees
£2,329
Annual cost
£7,072
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 1.37% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £492 and 276 payments of £693. The total amount payable would be £205,405 made up of the loan amount plus interest (£78,076) and fees (£2,329). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Cumberland
Max LTV 75%:
3.37% discount for 2 years
Initial rate
1.37%
then 4.74% (variable)
Monthly repayments
£492
Scheme fees
£2,329
Annual cost
£7,072
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 1.37% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £492 and 276 payments of £693. The total amount payable would be £205,405 made up of the loan amount plus interest (£78,076) and fees (£2,329). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% 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 30/11/21
Initial rate
1.38%
then 4.24% (variable)
Monthly repayments
£493
Scheme fees
£1,195
Annual cost
£6,512
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 30/11/21
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 1.38% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £492 and 276 payments of £661. The total amount payable would be £195,439 made up of the loan amount plus interest (£69,244) and fees (£1,195). 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
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
Coventry
Max LTV 50%:
Fixed to 30/09/21
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 30/09/21
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 4.4% APRC representative.
Max LTV 50% 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
Santander
Max LTV 75%:
Fixed to 02/12/21
Initial rate
1.39%
then 4.00% (variable)
Monthly repayments
£493
Scheme fees
£749
Annual cost
£6,296
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 02/12/21
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 £190,877 made up of the loan amount plus interest (£65,128) and fees (£749). 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
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
Coventry
Max LTV 65%:
Fixed to 30/09/21
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 30/09/21
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 4.4% APRC representative.
Max LTV 65% 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
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
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
Yorkshire BS
Max LTV 65%:
Fixed to 31/12/21
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 31/12/21
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
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
Platform
Max LTV 75%:
Fixed to 30/11/21
Initial rate
1.44%
then 4.99% (variable)
Monthly repayments
£496
Scheme fees
£749
Annual cost
£6,331
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 30/11/21
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 1.44% 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 £208,613 made up of the loan amount plus interest (£82,864) and fees (£749). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% 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
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
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
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
Post Office
Max LTV 75%:
Fixed to 30/11/21
Initial rate
1.46%
then 4.74% (variable)
Monthly repayments
£498
Scheme fees
£495
Annual cost
£6,218
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/11/21
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 1.46% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £497 and 276 payments of £694. The total amount payable would be £203,967 made up of the loan amount plus interest (£78,472) and fees (£495). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% 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
Natwest
Max LTV 60%:
Fixed to 31/01/22
Initial rate
1.47%
then 4.24% (variable)
Monthly repayments
£498
Scheme fees
£993
Annual cost
£6,474
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 1.47% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £498 and 276 payments of £662. The total amount payable would be £195,657 made up of the loan amount plus interest (£69,664) and fees (£993). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% 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 60%:
Fixed to 30/11/21
Initial rate
1.48%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£1,195
Annual cost
£6,583
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.75% reducing to 1.2% until 30/11/21
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 1.48% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £498 and 276 payments of £662. The total amount payable would be £195,859 made up of the loan amount plus interest (£69,664) and fees (£1,195). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% 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
TSB
Max LTV 60%:
Fixed to 30/11/21
Initial rate
1.49%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£995
Annual cost
£6,489
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 30/11/21
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 1.49% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £499 and 276 payments of £662. The total amount payable would be £195,683 made up of the loan amount plus interest (£69,688) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% 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
Coventry
Max LTV 65%:
Fixed to 30/09/21
Initial rate
1.49%
then 4.99% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 30/09/21
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 1.49% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £499 and 276 payments of £711. The total amount payable would be £209,211 made up of the loan amount plus interest (£83,212) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% 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
Barclays
Max LTV 60%:
Fixed to 31/10/21
Initial rate
1.49%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£299
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £299
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% until 31/10/21
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 1.49% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £499 and 276 payments of £662. The total amount payable would be £194,987 made up of the loan amount plus interest (£69,688) and fees (£299). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% 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
Barclays
Max LTV 60%:
Fixed to 31/10/22
Initial rate
1.49%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
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 31/10/22
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 3 years at 1.49% and then on a variable rate of 4.24% for the remaining 22 years would require 36 payments of £499 and 264 payments of £655. The total amount payable would be £191,883 made up of the loan amount plus interest (£65,884) and fees (£999). 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 31/12/21
Initial rate
1.49%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£1,199
Annual cost
£6,591
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:
1.75% reducing to 1.1% until 31/12/21
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 1.49% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £499 and 276 payments of £662. The total amount payable would be £195,887 made up of the loan amount plus interest (£69,688) and fees (£1,199). 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
Coventry
Max LTV 75%:
Fixed to 30/09/21
Initial rate
1.49%
then 4.99% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 30/09/21
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 1.49% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £499 and 276 payments of £711. The total amount payable would be £209,211 made up of the loan amount plus interest (£83,212) and fees (£999). 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
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.49%
then 4.24% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £499 and 276 payments of £662. The total amount payable would be £195,687 made up of the loan amount plus interest (£69,688) 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
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
HSBC
Max LTV 70%:
Fixed to 31/01/23
Initial rate
1.49%
then 4.19% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
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 1.49% and then on a variable rate of 4.19% for the remaining 22 years would require 36 payments of £499 and 264 payments of £652. The total amount payable would be £191,091 made up of the loan amount plus interest (£65,092) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 70% 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%:
Fixed to 31/01/23
Initial rate
1.49%
then 4.19% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
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 1.49% and then on a variable rate of 4.19% for the remaining 22 years would require 36 payments of £499 and 264 payments of £652. The total amount payable would be £191,091 made up of the loan amount plus interest (£65,092) 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 80%:
Fixed to 31/01/22
Initial rate
1.49%
then 4.19% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 1.49% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £499 and 276 payments of £659. The total amount payable would be £194,859 made up of the loan amount plus interest (£68,860) and fees (£999). 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
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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.

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