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COMPARE 1000S OF MORTGAGE RATES

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Allied Irish Bank
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.09%
then 7.75% (variable)
Monthly repayments
£666
Scheme fees
£200
Annual cost
£8,032
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.09% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £666 and 240 payments of £895. The total amount payable would be £254,960 made up of the loan amount plus interest (£129,760) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
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Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.19%
then 8.24% (variable)
Monthly repayments
£673
Scheme fees
£1,495
Annual cost
£8,375
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.19% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £672 and 240 payments of £930. The total amount payable would be £265,015 made up of the loan amount plus interest (£138,520) and fees (£1,495). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
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Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.22%
then 7.50% (variable)
Monthly repayments
£675
Scheme fees
£999
Annual cost
£8,301
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 02/09/29
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 4.22% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £675 and 240 payments of £880. The total amount payable would be £252,699 made up of the loan amount plus interest (£126,700) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
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Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.24%
then 7.99% (variable)
Monthly repayments
£676
Scheme fees
£999
Annual cost
£8,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% 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 4.24% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £676 and 240 payments of £913. The total amount payable would be £260,679 made up of the loan amount plus interest (£134,680) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
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Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.24%
then 8.24% (variable)
Monthly repayments
£676
Scheme fees
£995
Annual cost
£8,317
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.24% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £676 and 240 payments of £930. The total amount payable would be £264,755 made up of the loan amount plus interest (£138,760) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
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TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.29%
then 7.74% (variable)
Monthly repayments
£680
Scheme fees
£995
Annual cost
£8,359
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.29% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £679 and 240 payments of £897. The total amount payable would be £257,015 made up of the loan amount plus interest (£131,020) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
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Allied Irish Bank
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.29%
then 7.75% (variable)
Monthly repayments
£680
Scheme fees
£200
Annual cost
£8,200
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.29% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £679 and 240 payments of £898. The total amount payable would be £256,460 made up of the loan amount plus interest (£131,260) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
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Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.31%
then 8.74% (variable)
Monthly repayments
£681
Scheme fees
£1,099
Annual cost
£8,396
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.31% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £681 and 240 payments of £966. The total amount payable would be £273,799 made up of the loan amount plus interest (£147,700) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
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First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.31%
then 6.99% (variable)
Monthly repayments
£681
Scheme fees
£490
Annual cost
£8,275
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 4.31% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £681 and 240 payments of £848. The total amount payable would be £244,870 made up of the loan amount plus interest (£119,380) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
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Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.33%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
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 4.33% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £682 and 240 payments of £932. The total amount payable would be £265,599 made up of the loan amount plus interest (£139,600) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.34%
then 7.99% (variable)
Monthly repayments
£683
Scheme fees
£499
Annual cost
£8,302
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% 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 4.34% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £915. The total amount payable would be £261,079 made up of the loan amount plus interest (£135,580) and fees (£499). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Halifax
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.36%
then 8.74% (variable)
Monthly repayments
£685
Scheme fees
£1,099
Annual cost
£8,438
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.36% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £684 and 240 payments of £967. The total amount payable would be £274,219 made up of the loan amount plus interest (£148,120) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.37%
then 8.24% (variable)
Monthly repayments
£686
Scheme fees
£1,495
Annual cost
£8,526
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.37% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £685 and 240 payments of £933. The total amount payable would be £266,515 made up of the loan amount plus interest (£140,020) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Allied Irish Bank
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.40%
then 7.75% (variable)
Monthly repayments
£688
Scheme fees
£200
Annual cost
£8,293
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.40% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £687 and 240 payments of £900. The total amount payable would be £257,420 made up of the loan amount plus interest (£132,220) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.40%
then 7.99% (variable)
Monthly repayments
£688
Scheme fees
£999
Annual cost
£8,452
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% 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 4.40% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £687 and 240 payments of £916. The total amount payable would be £262,059 made up of the loan amount plus interest (£136,060) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Santander
Max LTV 75%:
Fixed to 02/09/29
Initial rate
4.41%
then 7.50% (variable)
Monthly repayments
£688
Scheme fees
£999
Annual cost
£8,461
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 02/09/29
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 4.41% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £688 and 240 payments of £883. The total amount payable would be £254,199 made up of the loan amount plus interest (£128,200) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.42%
then 8.24% (variable)
Monthly repayments
£689
Scheme fees
£995
Annual cost
£8,469
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.42% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £689 and 240 payments of £933. The total amount payable would be £266,255 made up of the loan amount plus interest (£140,260) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.42%
then 8.74% (variable)
Monthly repayments
£689
Scheme fees
£100
Annual cost
£8,290
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.42% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £689 and 240 payments of £968. The total amount payable would be £273,760 made up of the loan amount plus interest (£148,660) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.43%
then 8.12% (variable)
Monthly repayments
£690
Scheme fees
£749
Annual cost
£8,428
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
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 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.44%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£1,495
Annual cost
£8,585
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/07/29
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 5 years at 4.44% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £690 and 240 payments of £934. The total amount payable would be £267,055 made up of the loan amount plus interest (£140,560) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.44%
then 6.99% (variable)
Monthly repayments
£691
Scheme fees
£0
Annual cost
£8,286
Fees and charges
Booking fee £0
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 4.44% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £690 and 240 payments of £849. The total amount payable would be £245,160 made up of the loan amount plus interest (£120,160) and fees (£0). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
TSB
Max LTV 75%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.44%
then 7.74% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,485
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.44% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £690 and 240 payments of £899. The total amount payable would be £258,155 made up of the loan amount plus interest (£132,160) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.45%
then 7.50% (variable)
Monthly repayments
£691
Scheme fees
£0
Annual cost
£8,295
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:
5% reducing to 1% until 02/09/29
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 4.45% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £691 and 240 payments of £883. The total amount payable would be £253,380 made up of the loan amount plus interest (£128,380) and fees (£0). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
First Direct
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.46%
then 6.99% (variable)
Monthly repayments
£692
Scheme fees
£490
Annual cost
£8,402
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 4.46% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £691 and 240 payments of £850. The total amount payable would be £245,950 made up of the loan amount plus interest (£120,460) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.46%
then 8.24% (variable)
Monthly repayments
£692
Scheme fees
£0
Annual cost
£8,304
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.46% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £691 and 240 payments of £934. The total amount payable would be £265,620 made up of the loan amount plus interest (£140,620) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Natwest
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.47%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,611
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.47% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £692 and 240 payments of £934. The total amount payable would be £267,175 made up of the loan amount plus interest (£140,680) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/07/29
Initial rate
4.47%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,512
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 01/07/29
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 4.47% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £692 and 240 payments of £934. The total amount payable would be £266,679 made up of the loan amount plus interest (£140,680) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.47%
then 7.99% (variable)
Monthly repayments
£693
Scheme fees
£499
Annual cost
£8,412
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% 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 4.47% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £692 and 240 payments of £917. The total amount payable would be £262,099 made up of the loan amount plus interest (£136,600) and fees (£499). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Halifax
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£100
Annual cost
£8,332
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,180 made up of the loan amount plus interest (£149,080) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Barclays
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£899
Annual cost
£8,492
Fees and charges
Booking fee £0
Arrangement fee £899
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4% until 30/06/29
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 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,979 made up of the loan amount plus interest (£149,080) and fees (£899). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,520
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 31/07/29
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 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,579 made up of the loan amount plus interest (£120,580) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.48%
then 7.99% (variable)
Monthly repayments
£693
Scheme fees
£0
Annual cost
£8,320
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:
5% reducing to 2% 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 4.48% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £917. The total amount payable would be £261,660 made up of the loan amount plus interest (£136,660) and fees (£0). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,619
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.48% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £693 and 240 payments of £934. The total amount payable would be £267,235 made up of the loan amount plus interest (£140,740) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
TSB
Max LTV 80%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.49%
then 7.74% (variable)
Monthly repayments
£694
Scheme fees
£995
Annual cost
£8,528
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.49% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £900. The total amount payable would be £258,635 made up of the loan amount plus interest (£132,640) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Newbury
Max LTV 75%:
Fixed to 29/05/29
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,499
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 29/5/29
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.00% for the remaining 20 years would require 60 payments of £694 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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:
5% reducing to 1% until 01/07/29
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 4.49% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £265,800 made up of the loan amount plus interest (£140,800) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£1,999
Annual cost
£8,729
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4.5% reducing to 1% 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 4.49% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £969. The total amount payable would be £276,199 made up of the loan amount plus interest (£149,200) and fees (£1,999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£909
Annual cost
£8,511
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,829 made up of the loan amount plus interest (£161,920) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.49%
then 7.74% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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:
5% reducing to 1% until 30/06/29
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 4.49% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £900. The total amount payable would be £257,640 made up of the loan amount plus interest (£132,640) and fees (£0). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Halifax
Max LTV 80%:
Fixed to 30/06/29
Initial rate
4.51%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£1,099
Annual cost
£8,566
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.51% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £695 and 240 payments of £969. The total amount payable would be £275,359 made up of the loan amount plus interest (£149,260) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Halifax
Max LTV 85%:
Fixed to 30/06/29
Initial rate
4.51%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£1,099
Annual cost
£8,566
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
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 4.51% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £695 and 240 payments of £969. The total amount payable would be £275,359 made up of the loan amount plus interest (£149,260) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.51%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£1,099
Annual cost
£8,566
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
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 4.51% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £695 and 240 payments of £969. The total amount payable would be £275,359 made up of the loan amount plus interest (£149,260) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Natwest
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.52%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£995
Annual cost
£8,554
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.52% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,155 made up of the loan amount plus interest (£141,160) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£995
Annual cost
£8,562
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.53% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,155 made up of the loan amount plus interest (£141,160) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Nationwide
Max LTV 80%:
Fixed for 5 years
Initial rate
4.53%
then 7.99% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
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 2% 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 4.53% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £696 and 240 payments of £918. The total amount payable would be £263,079 made up of the loan amount plus interest (£137,080) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Nationwide
Max LTV 85%:
Fixed for 5 years
Initial rate
4.53%
then 7.99% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
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 2% 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 4.53% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £696 and 240 payments of £918. The total amount payable would be £263,079 made up of the loan amount plus interest (£137,080) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Cumberland
Max LTV 85%:
Fixed to 01/07/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
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 01/07/29
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 4.53% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,159 made up of the loan amount plus interest (£141,160) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/27
First time buyer only
Initial rate
4.54%
then 7.74% (variable)
Monthly repayments
£698
Scheme fees
£995
Annual cost
£8,703
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 30/06/27
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 4.54% and then on a variable rate of 7.74% for the remaining 22 years would require 36 payments of £697 and 264 payments of £918. The total amount payable would be £268,439 made up of the loan amount plus interest (£142,444) and fees (£995). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
First Direct
Max LTV 80%:
Fixed for 5 years
First time buyer only
Initial rate
4.54%
then 6.99% (variable)
Monthly repayments
£698
Scheme fees
£490
Annual cost
£8,470
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 4.54% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £697 and 240 payments of £851. The total amount payable would be £246,550 made up of the loan amount plus interest (£121,060) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.54%
then 8.74% (variable)
Monthly repayments
£698
Scheme fees
£999
Annual cost
£8,571
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:
4.5% reducing to 1% 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 4.54% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £697 and 240 payments of £970. The total amount payable would be £275,619 made up of the loan amount plus interest (£149,620) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% 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 1465 Reviews.co.uk respondents. 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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