First Time Buyer Deals - L&C Mortgages
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COMPARE 1000S OF first time buyer MORTGAGE DEALS

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

£
We've calculated this from our average customer
Loans are typically over 25 years, so we've defaulted to that for you
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We've calculated this from our average customer
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Most loans are on a repayment basis, so we've left this as 0
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Yorkshire BS
Max LTV 65%:
4.02% discount to 30/09/20
Initial rate
0.97%
then 4.99% (variable)
Monthly repayments
£469
Scheme fees
£1,730
Annual cost
£6,498
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.97% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £469 and 276 payments of £707. The total amount payable would be £208,118 made up of the loan amount plus interest (£81,388) and fees (£1,730). 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
Monmouthshire BS
Max LTV 80%:
4.00% discount for 2 years
Initial rate
0.99%
then 4.99% (variable)
Monthly repayments
£471
Scheme fees
£2,437
Annual cost
£6,865
Fees and charges
Booking fee £150
Arrangement fee £1,999
Valuation fee £288
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 2 years
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £470 and 276 payments of £708. The total amount payable would be £209,125 made up of the loan amount plus interest (£81,688) and fees (£2,437). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% 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
Yorkshire Bank
Max LTV 60%:
3.96% discount to 30/09/20
Initial rate
0.99%
then 4.95% (variable)
Monthly repayments
£471
Scheme fees
£1,449
Annual cost
£6,371
Fees and charges
Booking fee £1,449
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 30/09/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.95% for the remaining 23 years would require 24 payments of £470 and 276 payments of £705. The total amount payable would be £207,309 made up of the loan amount plus interest (£80,860) and fees (£1,449). 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
Clydesdale
Max LTV 60%:
3.96% discount to 31/10/20
Initial rate
0.99%
then 4.95% (variable)
Monthly repayments
£471
Scheme fees
£1,849
Annual cost
£6,571
Fees and charges
Booking fee £0
Arrangement fee £1,449
Valuation fee £400
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/10/20
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.95% for the remaining 23 years would require 24 payments of £470 and 276 payments of £705. The total amount payable would be £207,709 made up of the loan amount plus interest (£80,860) and fees (£1,849). 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
Yorkshire BS
Max LTV 65%:
3.80% discount to 30/09/20
Initial rate
1.19%
then 4.99% (variable)
Monthly repayments
£482
Scheme fees
£730
Annual cost
£6,148
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £481 and 276 payments of £709. The total amount payable would be £207,958 made up of the loan amount plus interest (£82,228) and fees (£730). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% 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
Yorkshire BS
Max LTV 75%:
3.76% discount to 30/09/20
Initial rate
1.23%
then 4.99% (variable)
Monthly repayments
£484
Scheme fees
£1,230
Annual cost
£6,426
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.23% 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 £208,530 made up of the loan amount plus interest (£82,300) and fees (£1,230). 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
Leek United
Max LTV 60%:
4.20% discount for 2 years
Initial rate
1.24%
then 5.44% (variable)
Monthly repayments
£485
Scheme fees
£0
Annual cost
£5,817
Fees and charges
Booking fee £0
Arrangement fee £0
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 1.24% and then on a variable rate of 5.44% for the remaining 23 years would require 24 payments of £484 and 276 payments of £739. The total amount payable would be £215,580 made up of the loan amount plus interest (£90,580) and fees (£0). The overall cost for comparison is 5.0% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 5.0% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Tipton & Coseley
Max LTV 65%:
3.70% discount to 31/01/20
Initial rate
1.29%
then 4.99% (variable)
Monthly repayments
£488
Scheme fees
£1,274
Annual cost
£6,489
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.29% 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 £208,646 made up of the loan amount plus interest (£82,372) and fees (£1,274). 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
Leeds
Max LTV 65%:
Base+0.57% to 31/10/20
Initial rate
1.32%
then 5.69% (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:
3% reducing to 2% until 31/10/20
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 1.32% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £489 and 276 payments of £757. The total amount payable would be £221,667 made up of the loan amount plus interest (£95,668) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 65% 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
Tipton & Coseley
Max LTV 75%:
3.65% discount to 31/01/20
Initial rate
1.34%
then 4.99% (variable)
Monthly repayments
£491
Scheme fees
£1,274
Annual cost
£6,524
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% 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 £208,994 made up of the loan amount plus interest (£82,720) and fees (£1,274). 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
Leek United
Max LTV 75%:
4.10% discount for 2 years
Initial rate
1.34%
then 5.44% (variable)
Monthly repayments
£491
Scheme fees
£0
Annual cost
£5,887
Fees and charges
Booking fee £0
Arrangement fee £0
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 5.44% for the remaining 23 years would require 24 payments of £490 and 276 payments of £740. The total amount payable would be £216,000 made up of the loan amount plus interest (£91,000) and fees (£0). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 5.0% 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 30/09/20
Initial rate
1.35%
then 4.99% (variable)
Monthly repayments
£491
Scheme fees
£1,730
Annual cost
£6,759
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 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.35% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £491 and 276 payments of £710. The total amount payable would be £209,474 made up of the loan amount plus interest (£82,744) and fees (£1,730). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% 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
Yorkshire BS
Max LTV 85%:
3.61% discount to 30/09/20
Initial rate
1.38%
then 4.99% (variable)
Monthly repayments
£493
Scheme fees
£1,230
Annual cost
£6,530
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.38% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £492 and 276 payments of £710. The total amount payable would be £208,998 made up of the loan amount plus interest (£82,768) and fees (£1,230). The overall cost for comparison is 4.5% APRC representative.
Max LTV 85% 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
Leeds
Max LTV 75%:
Base+0.63% to 31/10/20
Initial rate
1.38%
then 5.69% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,414
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/10/20
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 1.38% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £492 and 276 payments of £757. The total amount payable would be £221,739 made up of the loan amount plus interest (£95,740) 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
Yorkshire BS
Max LTV 75%:
Fixed to 30/09/20
Initial rate
1.43%
then 4.99% (variable)
Monthly repayments
£496
Scheme fees
£1,730
Annual cost
£6,815
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 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £495 and 276 payments of £710. The total amount payable would be £209,570 made up of the loan amount plus interest (£82,840) and fees (£1,730). 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
Santander
Max LTV 60%:
Fixed to 02/11/20
Initial rate
1.44%
then 4.00% (variable)
Monthly repayments
£496
Scheme fees
£1,249
Annual cost
£6,581
Fees and charges
Booking fee £0
Arrangement fee £1,249
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% until 02/11/20
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 £191,449 made up of the loan amount plus interest (£65,200) and fees (£1,249). 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
HSBC
Max LTV 60%:
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 3.6% APRC representative.
Max LTV 60% No Early Repayment Charges
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
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
Chelsea
Max LTV 65%:
Fixed to 30/09/20
Initial rate
1.49%
then 4.99% (variable)
Monthly repayments
£499
Scheme fees
£1,930
Annual cost
£6,957
Fees and charges
Booking fee £0
Arrangement fee £1,695
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.5% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% 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 £210,142 made up of the loan amount plus interest (£83,212) and fees (£1,930). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% 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
Loughborough
Max LTV 80%:
3.85% discount for 2 years
Initial rate
1.49%
then 5.34% (variable)
Monthly repayments
£499
Scheme fees
£859
Annual cost
£6,421
Fees and charges
Booking fee £0
Arrangement fee £599
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 2 years
Other info
Exit fee £120
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £499 and 276 payments of £734. The total amount payable would be £215,419 made up of the loan amount plus interest (£89,560) and fees (£859). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% 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
AA Mortgages
Max LTV 60%:
Fixed to 30/09/20
Initial rate
1.49%
then 4.74% (variable)
Monthly repayments
£499
Scheme fees
£1,805
Annual cost
£6,894
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £310
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/09/20
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 1.49% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £205,325 made up of the loan amount plus interest (£78,520) and fees (£1,805). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% 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
M&S Bank
Max LTV 60%:
Fixed to 30/11/20
Initial rate
1.49%
then 3.94% (variable)
Monthly repayments
£499
Scheme fees
£1,094
Annual cost
£6,539
Fees and charges
Booking fee £99
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 30/11/20
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 3.94% for the remaining 23 years would require 24 payments of £499 and 276 payments of £643. The total amount payable would be £190,538 made up of the loan amount plus interest (£64,444) and fees (£1,094). 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
Leek United
Max LTV 75%:
3.95% discount for 2 years
Initial rate
1.49%
then 5.44% (variable)
Monthly repayments
£499
Scheme fees
£995
Annual cost
£6,489
Fees and charges
Booking fee £100
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.49% and then on a variable rate of 5.44% for the remaining 23 years would require 24 payments of £499 and 276 payments of £741. The total amount payable would be £217,487 made up of the loan amount plus interest (£91,492) and fees (£995). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% 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 30/11/20
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 30/11/20
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 3.6% 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
Vernon
Max LTV 80%:
3.45% discount for 2 years
Initial rate
1.50%
then 4.95% (variable)
Monthly repayments
£500
Scheme fees
£1,269
Annual cost
£6,634
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £270
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% for 2 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.50% and then on a variable rate of 4.95% for the remaining 23 years would require 24 payments of £499 and 276 payments of £708. The total amount payable would be £208,653 made up of the loan amount plus interest (£82,384) and fees (£1,269). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% 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 60%:
Fixed to 31/12/20
Initial rate
1.53%
then 4.24% (variable)
Monthly repayments
£502
Scheme fees
£893
Annual cost
£6,467
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/12/20
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 1.53% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £501 and 276 payments of £662. The total amount payable would be £195,629 made up of the loan amount plus interest (£69,736) and fees (£893). 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
Tipton & Coseley
Max LTV 65%:
3.45% discount to 31/01/20
Initial rate
1.54%
then 4.99% (variable)
Monthly repayments
£502
Scheme fees
£275
Annual cost
£6,165
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.54% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £711. The total amount payable would be £208,559 made up of the loan amount plus interest (£83,284) and fees (£275). The overall cost for comparison is 4.2% APRC representative.
Max LTV 65% 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
Natwest
Max LTV 60%:
Fixed to 31/12/20
Initial rate
1.54%
then 4.24% (variable)
Monthly repayments
£502
Scheme fees
£993
Annual cost
£6,524
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 31/12/20
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 1.54% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £502 and 276 payments of £662. The total amount payable would be £195,753 made up of the loan amount plus interest (£69,760) and fees (£993). 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
Saffron
Max LTV 60%:
4.10% discount for 2 years
Initial rate
1.54%
then 5.64% (variable)
Monthly repayments
£502
Scheme fees
£495
Annual cost
£6,275
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £495
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1% for 2 years
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 1.54% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £502 and 276 payments of £755. The total amount payable would be £220,923 made up of the loan amount plus interest (£95,428) and fees (£495). 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%:
Base +0.79% for 2 years
Initial rate
1.54%
then 4.24% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% pa
Early repayment charge:
1% for 2 years
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 1.54% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £502 and 276 payments of £662. The total amount payable would be £195,759 made up of the loan amount plus interest (£69,760) 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
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.54%
then 4.24% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 1.54% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £502 and 276 payments of £662. The total amount payable would be £195,759 made up of the loan amount plus interest (£69,760) 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 30/11/20
Initial rate
1.54%
then 4.19% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 30/11/20
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 1.54% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £502 and 276 payments of £659. The total amount payable would be £194,931 made up of the loan amount plus interest (£68,932) 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 30/11/20
Initial rate
1.54%
then 4.19% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 30/11/20
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 1.54% and then on a variable rate of 4.19% for the remaining 23 years would require 24 payments of £502 and 276 payments of £659. The total amount payable would be £194,931 made up of the loan amount plus interest (£68,932) 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
Leeds
Max LTV 80%:
Base+0.79% to 31/10/20
Initial rate
1.54%
then 5.69% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 31/10/20
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 1.54% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £502 and 276 payments of £758. The total amount payable would be £222,255 made up of the loan amount plus interest (£96,256) and fees (£999). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Accord
Max LTV 75%:
3.45% discount to 30/11/20
Initial rate
1.54%
then 4.99% (variable)
Monthly repayments
£502
Scheme fees
£495
Annual cost
£6,275
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
None
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.54% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £711. The total amount payable would be £208,779 made up of the loan amount plus interest (£83,284) and fees (£495). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% No Early Repayment Charges
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
Yorkshire BS
Max LTV 60%:
Fixed to 30/09/20
Initial rate
1.55%
then 4.99% (variable)
Monthly repayments
£503
Scheme fees
£495
Annual cost
£6,282
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:
2.5% reducing to 1.5% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.55% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £711. The total amount payable would be £208,779 made up of the loan amount plus interest (£83,284) and fees (£495). 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
Principality
Max LTV 65%:
Fixed to 30/09/20
Initial rate
1.55%
then 4.90% (variable)
Monthly repayments
£503
Scheme fees
£1,275
Annual cost
£6,672
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1.5% until 30/09/20
Other info
Exit fee £145
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.55% and then on a variable rate of 4.90% for the remaining 23 years would require 24 payments of £502 and 276 payments of £705. The total amount payable would be £207,903 made up of the loan amount plus interest (£81,628) and fees (£1,275). 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
Coventry
Max LTV 50%:
Fixed to 30/09/20
Initial rate
1.55%
then 4.99% (variable)
Monthly repayments
£503
Scheme fees
£999
Annual cost
£6,534
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 30/09/20
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 1.55% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £711. The total amount payable would be £209,283 made up of the loan amount plus interest (£83,284) and fees (£999). The overall cost for comparison is 4.1% APRC representative.
Max LTV 50% 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
Sainsburys
Max LTV 60%:
Fixed to 30/09/20
Initial rate
1.57%
then 4.24% (variable)
Monthly repayments
£504
Scheme fees
£995
Annual cost
£6,546
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 30/09/20
Other info
Exit fee £100
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.57% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £504 and 276 payments of £662. The total amount payable would be £195,803 made up of the loan amount plus interest (£69,808) 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
TSB
Max LTV 60%:
Fixed to 30/11/20
Initial rate
1.59%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£1,221
Annual cost
£6,673
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £226
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 30/11/20
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 1.59% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £505 and 276 payments of £662. The total amount payable would be £196,053 made up of the loan amount plus interest (£69,832) and fees (£1,221). 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
Platform
Max LTV 60%:
Base+ 0.84% for 2 years
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £209,355 made up of the loan amount plus interest (£83,356) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
Digital Mortgages
Max LTV 60%:
Fixed to 30/09/20
Initial rate
1.59%
then 3.75% (variable)
Monthly repayments
£505
Scheme fees
£1,180
Annual cost
£6,653
Fees and charges
Booking fee £0
Arrangement fee £900
Valuation fee £280
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% P/A
Early repayment charge:
3% reducing to 2% until 30/09/20
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 1.59% and then on a variable rate of 3.75% for the remaining 23 years would require 24 payments of £505 and 276 payments of £631. The total amount payable would be £187,456 made up of the loan amount plus interest (£61,276) and fees (£1,180). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Speak to an expert mortgage adviser on 0808 292 0724 or check which deals you qualify for online
M&S Bank
Max LTV 75%:
Fixed to 30/11/20
Initial rate
1.59%
then 3.94% (variable)
Monthly repayments
£505
Scheme fees
£1,094
Annual cost
£6,610
Fees and charges
Booking fee £99
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 30/11/20
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 1.59% and then on a variable rate of 3.94% for the remaining 23 years would require 24 payments of £505 and 276 payments of £643. The total amount payable would be £190,682 made up of the loan amount plus interest (£64,588) and fees (£1,094). 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
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 1.59% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £505 and 276 payments of £662. The total amount payable would be £195,831 made up of the loan amount plus interest (£69,832) 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
Platform
Max LTV 70%:
Base+ 0.84% for 2 years
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £209,355 made up of the loan amount plus interest (£83,356) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 70% 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
Platform
Max LTV 75%:
Base+ 0.84% for 2 years
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 £74
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £209,355 made up of the loan amount plus interest (£83,356) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% 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
Chelsea
Max LTV 75%:
Fixed to 30/09/20
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£1,930
Annual cost
£7,028
Fees and charges
Booking fee £0
Arrangement fee £1,695
Valuation fee £235
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% reducing to 1.5% until 30/09/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £210,286 made up of the loan amount plus interest (£83,356) and fees (£1,930). 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
Nationwide
Max LTV 75%:
Base +0.84% for 2 years
Initial rate
1.59%
then 4.24% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 1.59% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £505 and 276 payments of £662. The total amount payable would be £195,831 made up of the loan amount plus interest (£69,832) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% 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
Tipton & Coseley
Max LTV 75%:
3.40% discount to 31/01/20
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£275
Annual cost
£6,200
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 31/01/20
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £208,631 made up of the loan amount plus interest (£83,356) and fees (£275). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% 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
Monmouthshire BS
Max LTV 80%:
3.40% discount for 2 years
Initial rate
1.59%
then 4.99% (variable)
Monthly repayments
£505
Scheme fees
£438
Annual cost
£6,282
Fees and charges
Booking fee £150
Arrangement fee £0
Valuation fee £288
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% for 2 years
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.59% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £711. The total amount payable would be £208,794 made up of the loan amount plus interest (£83,356) and fees (£438). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
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When compiling our first time buyer best buy tables we choose 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 get the best first time buyer mortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the pick of the first time buyer mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage.