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Platform
Max LTV 60%:
Fixed to 31/08/23
Initial rate
0.95%
then 4.34% (variable)
Monthly repayments
£468
Scheme fees
£1,249
Annual cost
£6,244
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.95% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £468 and 276 payments of £665. The total amount payable would be £196,021 made up of the loan amount plus interest (£69,772) and fees (£1,249). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
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HSBC
Max LTV 60%:
Fixed to 31/08/23
Initial rate
0.99%
then 3.54% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
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 31/08/23
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 2 years at 0.99% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £470 and 276 payments of £615. The total amount payable would be £182,019 made up of the loan amount plus interest (£56,020) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
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Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.04%
then 3.59% (variable)
Monthly repayments
£473
Scheme fees
£999
Annual cost
£6,180
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:
1.5% reducing to 0.75% 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 1.04% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £473 and 276 payments of £618. The total amount payable would be £182,919 made up of the loan amount plus interest (£56,920) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
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Barclays
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.05%
then 3.59% (variable)
Monthly repayments
£474
Scheme fees
£999
Annual cost
£6,187
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 31/08/23
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 1.05% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £473 and 276 payments of £618. The total amount payable would be £182,919 made up of the loan amount plus interest (£56,920) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Platform
Max LTV 70%:
Fixed to 31/08/23
Initial rate
1.07%
then 4.34% (variable)
Monthly repayments
£475
Scheme fees
£1,249
Annual cost
£6,325
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.07% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £475 and 276 payments of £666. The total amount payable would be £196,465 made up of the loan amount plus interest (£70,216) and fees (£1,249). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Platform
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.07%
then 4.34% (variable)
Monthly repayments
£475
Scheme fees
£1,249
Annual cost
£6,325
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.07% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £475 and 276 payments of £666. The total amount payable would be £196,465 made up of the loan amount plus interest (£70,216) and fees (£1,249). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.08%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£1,195
Annual cost
£6,305
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% until 31/08/23
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 2 years at 1.08% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £475 and 276 payments of £619. The total amount payable would be £183,439 made up of the loan amount plus interest (£57,244) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
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TSB
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.09%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,212
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 31/08/23
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 2 years at 1.09% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,263 made up of the loan amount plus interest (£57,268) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
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Coventry
Max LTV 50%:
Fixed to 30/09/23
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
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 30/09/23
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 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,723 made up of the loan amount plus interest (£72,724) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Santander
Max LTV 60%:
Fixed to 02/09/23
Initial rate
1.10%
then 3.35% (variable)
Monthly repayments
£477
Scheme fees
£999
Annual cost
£6,221
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/09/23
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 1.10% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £476 and 276 payments of £604. The total amount payable would be £179,127 made up of the loan amount plus interest (£53,128) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
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Skipton
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.13%
then 4.64% (variable)
Monthly repayments
£478
Scheme fees
£995
Annual cost
£6,239
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 30/09/23
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.13% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £478 and 276 payments of £685. The total amount payable would be £201,527 made up of the loan amount plus interest (£75,532) 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
?
HSBC
Max LTV 60%:
Fixed to 31/08/24
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,082
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 31/08/24
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 1.14% and then on a variable rate of 3.54% for the remaining 22 years would require 36 payments of £479 and 264 payments of £610. The total amount payable would be £179,283 made up of the loan amount plus interest (£53,284) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.14%
then 3.59% (variable)
Monthly repayments
£479
Scheme fees
£995
Annual cost
£5,948
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:
4.5% reducing to 1% until 31/08/26
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 5 years at 1.14% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £479 and 240 payments of £600. The total amount payable would be £173,735 made up of the loan amount plus interest (£47,740) and fees (£995). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£490
Annual cost
£5,994
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% 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 fixed rate for 2 years at 1.14% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £479 and 276 payments of £616. The total amount payable would be £182,002 made up of the loan amount plus interest (£56,512) and fees (£490). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Platform
Max LTV 60%:
Fixed to 31/08/24
Initial rate
1.16%
then 4.34% (variable)
Monthly repayments
£480
Scheme fees
£1,249
Annual cost
£6,179
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/08/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.16% and then on a variable rate of 4.34% for the remaining 22 years would require 36 payments of £480 and 264 payments of £658. The total amount payable would be £192,241 made up of the loan amount plus interest (£65,992) and fees (£1,249). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Platform
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.16%
then 4.34% (variable)
Monthly repayments
£480
Scheme fees
£1,249
Annual cost
£6,012
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.16% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £480 and 240 payments of £641. The total amount payable would be £183,889 made up of the loan amount plus interest (£57,640) and fees (£1,249). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Leeds
Max LTV 65%:
Fixed to 31/07/23
Initial rate
1.18%
then 5.29% (variable)
Monthly repayments
£481
Scheme fees
£999
Annual cost
£6,276
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 31/07/23
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.18% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £481 and 276 payments of £729. The total amount payable would be £213,747 made up of the loan amount plus interest (£87,748) 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
?
Barclays
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.18%
then 3.59% (variable)
Monthly repayments
£481
Scheme fees
£999
Annual cost
£6,276
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 31/08/23
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 1.18% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £481 and 276 payments of £619. The total amount payable would be £183,387 made up of the loan amount plus interest (£57,388) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.18%
then 3.59% (variable)
Monthly repayments
£481
Scheme fees
£1,199
Annual cost
£6,376
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/23
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 2 years at 1.18% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £481 and 276 payments of £619. The total amount payable would be £183,587 made up of the loan amount plus interest (£57,388) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Coventry
Max LTV 50%:
Fixed to 30/09/24
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,116
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 30/09/24
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 3 years at 1.19% and then on a variable rate of 4.49% for the remaining 22 years would require 36 payments of £481 and 264 payments of £667. The total amount payable would be £194,403 made up of the loan amount plus interest (£68,404) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Coventry
Max LTV 65%:
Fixed to 30/09/23
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
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 30/09/23
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 1.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £481 and 276 payments of £676. The total amount payable would be £199,119 made up of the loan amount plus interest (£73,120) and fees (£999). The overall cost for comparison is 3.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£5,983
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 0.75% for 5 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 5 years at 1.19% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £481 and 240 payments of £601. The total amount payable would be £174,099 made up of the loan amount plus interest (£48,100) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Coventry
Max LTV 50%:
Fixed to 30/09/23
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
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 30/09/23
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 1.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £481 and 276 payments of £676. The total amount payable would be £199,119 made up of the loan amount plus interest (£73,120) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£5,983
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 31/08/26
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 5 years at 1.19% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £481 and 240 payments of £601. The total amount payable would be £174,099 made up of the loan amount plus interest (£48,100) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/08/23
Initial rate
1.19%
then 3.54% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
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 31/08/23
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 2 years at 1.19% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £481 and 276 payments of £616. The total amount payable would be £182,559 made up of the loan amount plus interest (£56,560) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.19%
then 3.54% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
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 31/08/23
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 2 years at 1.19% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £481 and 276 payments of £616. The total amount payable would be £182,559 made up of the loan amount plus interest (£56,560) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.19%
then 3.54% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£5,983
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:
5% reducing to 1% until 31/08/26
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 5 years at 1.19% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £481 and 240 payments of £598. The total amount payable would be £173,379 made up of the loan amount plus interest (£47,380) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/24
Initial rate
1.20%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£1,199
Annual cost
£6,190
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:
3% reducing to 1% until 30/09/24
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 1.20% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £482 and 264 payments of £613. The total amount payable would be £180,383 made up of the loan amount plus interest (£54,184) and fees (£1,199). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/07/23
Initial rate
1.22%
then 4.09% (variable)
Monthly repayments
£484
Scheme fees
£999
Annual cost
£6,303
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 01/07/23
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 1.22% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £483 and 276 payments of £651. The total amount payable would be £192,267 made up of the loan amount plus interest (£66,268) 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
?
Halifax
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.23%
then 3.59% (variable)
Monthly repayments
£484
Scheme fees
£1,195
Annual cost
£6,408
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% until 31/08/23
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 2 years at 1.23% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,655 made up of the loan amount plus interest (£57,460) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£490
Annual cost
£5,915
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
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 5 years at 1.24% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £484 and 240 payments of £599. The total amount payable would be £173,290 made up of the loan amount plus interest (£47,800) and fees (£490). The overall cost for comparison is 2.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.5% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.24%
then 3.54% (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? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
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 2 years at 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £181,632 made up of the loan amount plus interest (£56,632) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Platform
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.24%
then 4.34% (variable)
Monthly repayments
£485
Scheme fees
£749
Annual cost
£5,967
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:
5% reducing to 1% until 31/08/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.24% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £484 and 240 payments of £642. The total amount payable would be £183,869 made up of the loan amount plus interest (£58,120) and fees (£749). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Platform
Max LTV 60%:
Fixed to 31/08/24
Initial rate
1.24%
then 4.34% (variable)
Monthly repayments
£485
Scheme fees
£749
Annual cost
£6,067
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% reducing to 1% until 31/08/24
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.24% and then on a variable rate of 4.34% for the remaining 22 years would require 36 payments of £484 and 264 payments of £659. The total amount payable would be £192,149 made up of the loan amount plus interest (£66,400) and fees (£749). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.25%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£1,195
Annual cost
£6,063
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:
5% reducing to 1% until 31/08/26
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 5 years at 1.25% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £485 and 240 payments of £602. The total amount payable would be £174,775 made up of the loan amount plus interest (£48,580) and fees (£1,195). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Hinckley & Rugby
Max LTV 65%:
Fixed for 2 years
Initial rate
1.25%
then 5.89% (variable)
Monthly repayments
£485
Scheme fees
£440
Annual cost
£6,044
Fees and charges
Booking fee £125
Arrangement fee £0
Valuation fee £315
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £150
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 5.89% for the remaining 23 years would require 24 payments of £485 and 276 payments of £770. The total amount payable would be £224,600 made up of the loan amount plus interest (£99,160) and fees (£440). The overall cost for comparison is 4.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Santander
Max LTV 60%:
Fixed to 02/09/26
Initial rate
1.27%
then 3.35% (variable)
Monthly repayments
£487
Scheme fees
£749
Annual cost
£5,988
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:
5% until 02/09/26
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 5 years at 1.27% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £486 and 240 payments of £589. The total amount payable would be £171,269 made up of the loan amount plus interest (£45,520) and fees (£749). The overall cost for comparison is 2.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,199
Annual cost
£6,445
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/23
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 2 years at 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £184,007 made up of the loan amount plus interest (£57,808) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Coventry
Max LTV 65%:
Fixed to 30/09/24
Initial rate
1.29%
then 4.49% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,185
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 30/09/24
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 3 years at 1.29% and then on a variable rate of 4.49% for the remaining 22 years would require 36 payments of £487 and 264 payments of £668. The total amount payable would be £194,883 made up of the loan amount plus interest (£68,884) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Coventry
Max LTV 50%:
Fixed to 30/09/26
Initial rate
1.29%
then 4.49% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,052
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:
5% reducing to 1% until 30/09/26
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 5 years at 1.29% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £487 and 240 payments of £651. The total amount payable would be £186,459 made up of the loan amount plus interest (£60,460) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 75%:
Fixed for 2 years
Initial rate
1.29%
then 3.59% (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:
1.5% reducing to 0.75% 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 1.29% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.29%
then 4.64% (variable)
Monthly repayments
£488
Scheme fees
£995
Annual cost
£6,350
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 30/09/23
Other info
Exit fee £95
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 4.64% for the remaining 23 years would require 24 payments of £487 and 276 payments of £686. The total amount payable would be £202,019 made up of the loan amount plus interest (£76,024) 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
?
TSB
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£995
Annual cost
£6,350
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 31/08/23
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 2 years at 1.29% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,803 made up of the loan amount plus interest (£57,808) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/23
Initial rate
1.29%
then 4.49% (variable)
Monthly repayments
£488
Scheme fees
£1,675
Annual cost
£6,690
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/07/23
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 1.29% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £487 and 276 payments of £677. The total amount payable would be £200,215 made up of the loan amount plus interest (£73,540) and fees (£1,675). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/08/24
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,185
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 31/08/24
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 1.29% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £487 and 264 payments of £614. The total amount payable would be £180,627 made up of the loan amount plus interest (£54,628) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Leeds
Max LTV 75%:
Fixed to 31/07/23
Initial rate
1.29%
then 5.29% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/07/23
Other info
Exit fee £199
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 5.29% for the remaining 23 years would require 24 payments of £487 and 276 payments of £730. The total amount payable would be £214,167 made up of the loan amount plus interest (£88,168) 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
?
Santander
Max LTV 75%:
Fixed to 02/09/23
Initial rate
1.29%
then 3.35% (variable)
Monthly repayments
£488
Scheme fees
£749
Annual cost
£6,227
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 02/09/23
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £487 and 276 payments of £605. The total amount payable would be £179,417 made up of the loan amount plus interest (£53,668) and fees (£749). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/24
Initial rate
1.30%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£1,199
Annual cost
£6,259
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:
3% reducing to 1% until 30/09/24
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 1.30% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £488 and 264 payments of £614. The total amount payable would be £180,863 made up of the loan amount plus interest (£54,664) and fees (£1,199). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Halifax
Max LTV 75%:
Fixed to 30/09/23
Initial rate
1.31%
then 3.59% (variable)
Monthly repayments
£489
Scheme fees
£1,199
Annual cost
£6,466
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/23
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 2 years at 1.31% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £488 and 276 payments of £620. The total amount payable would be £184,031 made up of the loan amount plus interest (£57,832) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Platform
Max LTV 70%:
Fixed to 31/08/23
Initial rate
1.31%
then 4.34% (variable)
Monthly repayments
£489
Scheme fees
£749
Annual cost
£6,241
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.31% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £488 and 276 payments of £667. The total amount payable would be £196,553 made up of the loan amount plus interest (£70,804) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
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When compiling our best buy tables we compare the best mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

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

After taking out a 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

Looking to Move Home?

There’s no escaping the fact that moving home is stressful, but the good news is that getting a mortgage doesn’t have to be.

There are lots of different mortgage options for home movers, whether it is taking out a new deal or moving your current mortgage over to a new property.

Don’t worry if you’re not sure which option is right for you. Here at L&C, we can discuss all the different routes you might be able to take and advise you on the best deal to suit your individual circumstances.

Why apply for a mortgage with L&C?

Applying for your mortgage with L&C when you’re moving home can help save you money, time, and hassle. We’ve got all the mortgage advice you need to help make the home buying process as painless as possible.

  • Use our online Mortgage Finder at a time and place that’s convenient for you, either at home or on the go.
  • It’ll ask you for all the essential information, including the purchase price of the property you’re hoping to buy, how much you want to borrow, and what your income is.
  • The Mortgage Finder will give you a list of personalised results in real time of all the home mover deals you might qualify for.
  • If you haven’t found a property yet, you can complete our Mortgage Finder, and we’ll send you a ‘Decision in Principle’ certificate by email, indicating how much you might be able to borrow. If we need to check anything, one of our expert mortgage advisers will give you a call to confirm your details and fill in any blanks. Our online Decision in Principle doesn’t require a credit check, so won’t harm your credit score to apply.
  • If you’ve found your new home and you’re ready for the next step, just fill in the property details on our Mortgage Finder and send it over to us so that we can get started on finding the best mortgage deal for you.
  • Our advice is fee free. Like all other brokers, we’ll receive a payment from the lender you take your mortgage through, but we won’t charge you anything on top of this so there‘s nothing to pay us. You’ll pay no more applying through us than you would going directly to the lender on the same deal.

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Mortgage Options for Moving Home

There are three main mortgage options if you’re moving home: either ‘porting’ your existing mortgage across to a new property; porting your mortgage and borrowing additional funds, or taking out a new mortgage. Here’s what you need to know.

  • Porting your current mortgage. If you’re tied into your existing mortgage deal, your lender may be prepared to let you transfer it across to your new property without paying an Early Repayment Charge (ERC). However, if they do allow this, you’ll still need to go through the mortgage application process again, as your lender will need to be satisfied that you meet their current lending criteria and that the mortgage is affordable. Find out more in our guide to Porting a mortgage.
  • Moving to a larger home with a bigger mortgage. If you’re porting a mortgage and need to borrow additional funds, bear in mind that this may be at a different rate to your current mortgage. If you do need a different deal, it’s a good idea to try and ensure this finishes at a similar time to your existing mortgage so that you can then remortgage the whole amount onto the same deal at a later date.
  • Taking out a new mortgage. If you’re currently on your lender’s Standard Variable Rate (SVR), or there are no charges to move away from your existing mortgage or lender, you may decide to take out a new mortgage when you move home. There are many different types of mortgage deals you may want to look at, so take a look at our mortgage guides for more information, or give us a call and an expert adviser will be able to recommend the right option for you.

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When to apply for a mortgage

It’s a good idea to start the process of applying for a mortgage as soon as you’ve decided you’re going to move home.

Your starting point should be to think about how much you want to borrow, and what type of mortgage you’d like.

Here at L&C we can help you determine which type of mortgage is right for you, and once you’ve found a property to buy, we will support you through the mortgage application process from start to finish.

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Start your search online for a mortgage

Whether you want a fixed or variable deal, our online Mortgage Finder searches over 80 lenders on your behalf, so finding your home-mover mortgage online couldn’t be simpler.

You’ll need a few details about your income and outgoings, what size deposit you’re planning to put down, how much you want to borrow and how long you want your mortgage term to be. We’ll then advise you on the best deal for you.

Once you’re ready, it’s easy to apply online – we’ll pre-populate all your details so you don’t have to tell us twice! And once you’ve submitted your application, you can then track its progress online 24/7. Remember, you can pick up the phone and talk to one of our advisers at any point if you get stuck or if you need any help.

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Moving Home FAQs

Can you move house if you have a fixed rate mortgage?

Yes, as long as your lender will allow you to take your fixed rate mortgage to your new property. Most mortgage deals are portable, but you will need to re-apply to ensure you still meet your lender’s criteria.

If you’re porting an existing mortgage to a new property, you can apply to borrow additional funds from your lender. However, bear in mind that you may be on a different mortgage rate for any extra borrowing.

Yes, this is known as porting. In most cases, lenders will allow you to transfer your mortgage to a new property without having to pay any Early Repayment Charges (ERC’s). However, you will have to reapply for your mortgage, so that your lender can be certain that you meet their current affordability criteria.

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