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COMPARE 1000S OF MORTGAGE RATES

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Leeds
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.14%
then 5.29% (variable)
Monthly repayments
£479
Scheme fees
£1,999
Annual cost
£6,748
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:
3% reducing to 2% until 31/10/22
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 1.14% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £479 and 276 payments of £729. The total amount payable would be £214,699 made up of the loan amount plus interest (£87,700) and fees (£1,999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
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Virgin Money
Max LTV 65%:
Fixed to 01/11/22
Initial rate
1.16%
then 4.34% (variable)
Monthly repayments
£480
Scheme fees
£1,495
Annual cost
£6,510
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:
1.5% until 01/11/22
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 1.16% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £480 and 276 payments of £666. The total amount payable would be £196,831 made up of the loan amount plus interest (£70,336) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
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Natwest
Max LTV 60%:
Fixed to 30/09/22
Initial rate
1.17%
then 3.59% (variable)
Monthly repayments
£481
Scheme fees
£993
Annual cost
£6,266
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.17% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £480 and 276 payments of £619. The total amount payable would be £183,357 made up of the loan amount plus interest (£57,364) and fees (£993). 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%:
Base +1.08% for 2 years
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?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.18% 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 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
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Coventry
Max LTV 50%:
Fixed to 30/09/22
Initial rate
1.18%
then 4.49% (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% reducing to 1% until 30/09/22
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 1.18% 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 3.9% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
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Clydesdale
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.19%
then 4.55% (variable)
Monthly repayments
£482
Scheme fees
£1,999
Annual cost
£6,783
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:
3% reducing to 2% until 31/10/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £481 and 276 payments of £680. The total amount payable would be £201,223 made up of the loan amount plus interest (£74,224) and fees (£1,999). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
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Skipton
Max LTV 60%:
Fixed to 31/10/22
Initial rate
1.21%
then 4.64% (variable)
Monthly repayments
£483
Scheme fees
£995
Annual cost
£6,294
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 31/10/22
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 1.21% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £483 and 276 payments of £686. The total amount payable would be £201,923 made up of the loan amount plus interest (£75,928) 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
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Coventry
Max LTV 65%:
Fixed to 30/09/22
Initial rate
1.23%
then 4.49% (variable)
Monthly repayments
£484
Scheme fees
£999
Annual cost
£6,310
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 30/09/22
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 1.23% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £199,191 made up of the loan amount plus interest (£73,192) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
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HSBC
Max LTV 60%:
Fixed to 30/09/22
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,631 made up of the loan amount plus interest (£56,632) 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
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Leek United
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.25%
then 5.19% (variable)
Monthly repayments
£485
Scheme fees
£1,095
Annual cost
£6,372
Fees and charges
Booking fee £100
Arrangement fee £1,395
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.25% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £485 and 276 payments of £723. The total amount payable would be £212,283 made up of the loan amount plus interest (£86,188) and fees (£1,095). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Platform
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.25%
then 4.34% (variable)
Monthly repayments
£485
Scheme fees
£749
Annual cost
£6,199
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
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 1.25% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £485 and 276 payments of £667. The total amount payable would be £196,481 made up of the loan amount plus interest (£70,732) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Leeds
Max LTV 65%:
Fixed to 31/10/22
Initial rate
1.25%
then 5.29% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,324
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/10/22
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 1.25% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £485 and 276 payments of £729. The total amount payable would be £213,843 made up of the loan amount plus interest (£87,844) 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 70%:
Base +1.16% for 2 years
Initial rate
1.26%
then 3.59% (variable)
Monthly repayments
£486
Scheme fees
£999
Annual cost
£6,331
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.26% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £485 and 276 payments of £620. The total amount payable would be £183,759 made up of the loan amount plus interest (£57,760) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Coventry
Max LTV 50%:
Fixed to 30/09/22
Initial rate
1.28%
then 4.49% (variable)
Monthly repayments
£487
Scheme fees
£999
Annual cost
£6,345
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 30/09/22
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 1.28% 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 £199,539 made up of the loan amount plus interest (£73,540) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/22
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 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 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
?
Leek United
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.29%
then 5.19% (variable)
Monthly repayments
£488
Scheme fees
£595
Annual cost
£6,150
Fees and charges
Booking fee £100
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £487 and 276 payments of £723. The total amount payable would be £211,831 made up of the loan amount plus interest (£86,236) and fees (£595). The overall cost for comparison is 4.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Platform
Max LTV 70%:
Fixed to 30/11/22
Initial rate
1.29%
then 4.34% (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:
2% reducing to 1% until 30/11/22
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 1.29% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £487 and 276 payments of £667. The total amount payable would be £196,529 made up of the loan amount plus interest (£70,780) and fees (£749). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/10/22
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£749
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/10/22
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 £183,557 made up of the loan amount plus interest (£57,808) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Leeds
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.30%
then 5.29% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,359
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/10/22
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 1.30% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £488 and 276 payments of £730. The total amount payable would be £214,191 made up of the loan amount plus interest (£88,192) 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
?
Natwest
Max LTV 70%:
Fixed to 30/09/22
Initial rate
1.30%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£993
Annual cost
£6,356
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.30% 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 £183,825 made up of the loan amount plus interest (£57,832) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Coventry
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.30%
then 4.49% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,359
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 30/09/22
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 1.30% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £488 and 276 payments of £677. The total amount payable would be £199,563 made up of the loan amount plus interest (£73,564) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Cumberland
Max LTV 60%:
2.78% discount for 2 years
Initial rate
1.31%
then 4.09% (variable)
Monthly repayments
£489
Scheme fees
£1,329
Annual cost
£6,531
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.31% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £488 and 276 payments of £651. The total amount payable would be £192,717 made up of the loan amount plus interest (£66,388) and fees (£1,329). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Bank of Ireland
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.32%
then 4.09% (variable)
Monthly repayments
£489
Scheme fees
£1,495
Annual cost
£6,621
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
3% reducing to 2% until 30/11/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.32% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £489 and 276 payments of £651. The total amount payable would be £192,907 made up of the loan amount plus interest (£66,412) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Coventry
Max LTV 65%:
Fixed to 30/09/22
Initial rate
1.33%
then 4.49% (variable)
Monthly repayments
£490
Scheme fees
£999
Annual cost
£6,380
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 30/09/22
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 1.33% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £490 and 276 payments of £677. The total amount payable would be £199,611 made up of the loan amount plus interest (£73,612) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
HSBC
Max LTV 60%:
Base +1.24% for 2 years
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£490
Annual cost
£6,132
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 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £182,542 made up of the loan amount plus interest (£57,052) and fees (£490). 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 75%:
Fixed to 30/11/22
Initial rate
1.34%
then 4.34% (variable)
Monthly repayments
£491
Scheme fees
£749
Annual cost
£6,261
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
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 1.34% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £490 and 276 payments of £667. The total amount payable would be £196,601 made up of the loan amount plus interest (£70,852) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
HSBC
Max LTV 70%:
Fixed to 30/09/22
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) 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
?
Natwest
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£993
Annual cost
£6,383
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,873 made up of the loan amount plus interest (£57,880) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.34%
then 3.99% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,220
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
3% reducing to 1% until 30/09/23
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.34% and then on a variable rate of 3.99% for the remaining 22 years would require 36 payments of £490 and 264 payments of £638. The total amount payable would be £187,071 made up of the loan amount plus interest (£61,072) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Santander
Max LTV 60%:
Fixed to 02/11/22
Initial rate
1.34%
then 3.35% (variable)
Monthly repayments
£491
Scheme fees
£649
Annual cost
£6,211
Fees and charges
Booking fee £0
Arrangement fee £649
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/10/22
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £490 and 276 payments of £605. The total amount payable would be £179,389 made up of the loan amount plus interest (£53,740) and fees (£649). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
West Brom
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.35%
then 3.99% (variable)
Monthly repayments
£491
Scheme fees
£499
Annual cost
£6,143
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.35% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £491 and 276 payments of £645. The total amount payable would be £190,303 made up of the loan amount plus interest (£64,804) and fees (£499). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/23
Initial rate
1.36%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£1,199
Annual cost
£6,301
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 30/09/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.36% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £491 and 264 payments of £614. The total amount payable would be £180,971 made up of the loan amount plus interest (£54,772) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/09/22
Initial rate
1.37%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£993
Annual cost
£6,404
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.37% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £492 and 276 payments of £620. The total amount payable would be £183,921 made up of the loan amount plus interest (£57,928) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Post Office
Max LTV 60%:
Fixed to 31/08/22
Initial rate
1.37%
then 4.09% (variable)
Monthly repayments
£492
Scheme fees
£1,495
Annual cost
£6,655
Fees and charges
Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/08/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.37% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £492 and 276 payments of £651. The total amount payable would be £192,979 made up of the loan amount plus interest (£66,484) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/09/22
Initial rate
1.38%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£1,199
Annual cost
£6,514
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 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.38% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £492 and 276 payments of £620. The total amount payable would be £184,127 made up of the loan amount plus interest (£57,928) 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
?
HSBC
Max LTV 70%:
Base +1.29% for 2 years
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £183,123 made up of the loan amount plus interest (£57,124) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Base +1.29% for 2 years
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £183,123 made up of the loan amount plus interest (£57,124) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,419
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £493 and 276 payments of £620. The total amount payable would be £183,947 made up of the loan amount plus interest (£57,952) 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
?
Yorkshire BS
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.40%
then 4.49% (variable)
Monthly repayments
£494
Scheme fees
£1,675
Annual cost
£6,766
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 30/11/22
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.40% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £494 and 276 payments of £677. The total amount payable would be £200,383 made up of the loan amount plus interest (£73,708) and fees (£1,675). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Coventry
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.40%
then 4.49% (variable)
Monthly repayments
£494
Scheme fees
£999
Annual cost
£6,428
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 30/09/22
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 1.40% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £494 and 276 payments of £677. The total amount payable would be £199,707 made up of the loan amount plus interest (£73,708) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Natwest
Max LTV 80%:
Fixed to 30/09/22
Initial rate
1.41%
then 3.59% (variable)
Monthly repayments
£495
Scheme fees
£993
Annual cost
£6,432
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.41% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £494 and 276 payments of £620. The total amount payable would be £183,969 made up of the loan amount plus interest (£57,976) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Cumberland
Max LTV 60%:
2.68% discount for 2 years
Initial rate
1.41%
then 4.09% (variable)
Monthly repayments
£495
Scheme fees
£1,329
Annual cost
£6,600
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 1 year
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.41% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £494 and 276 payments of £652. The total amount payable would be £193,137 made up of the loan amount plus interest (£66,808) and fees (£1,329). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/09/25
Initial rate
1.41%
then 3.59% (variable)
Monthly repayments
£495
Scheme fees
£993
Annual cost
£6,134
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/25
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 1.41% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £494 and 240 payments of £604. The total amount payable would be £175,593 made up of the loan amount plus interest (£49,600) and fees (£993). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Skipton
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.41%
then 4.64% (variable)
Monthly repayments
£495
Scheme fees
£995
Annual cost
£6,433
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 31/10/22
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 1.41% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £494 and 276 payments of £687. The total amount payable would be £202,463 made up of the loan amount plus interest (£76,468) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Principality
Max LTV 65%:
Fixed to 30/11/22
Initial rate
1.42%
then 4.40% (variable)
Monthly repayments
£495
Scheme fees
£775
Annual cost
£6,330
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1.5% until 30/11/22
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 1.42% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £495 and 276 payments of £672. The total amount payable would be £198,127 made up of the loan amount plus interest (£72,352) and fees (£775). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Halifax
Max LTV 75%:
Fixed to 30/09/22
Initial rate
1.43%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£1,199
Annual cost
£6,549
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/09/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £495 and 276 payments of £621. The total amount payable would be £184,475 made up of the loan amount plus interest (£58,276) and fees (£1,199). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Leek United
Max LTV 80%:
Fixed to 30/11/22
Initial rate
1.43%
then 5.19% (variable)
Monthly repayments
£496
Scheme fees
£1,095
Annual cost
£6,497
Fees and charges
Booking fee £100
Arrangement fee £1,395
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £495 and 276 payments of £724. The total amount payable would be £212,799 made up of the loan amount plus interest (£86,704) and fees (£1,095). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
TSB
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,454
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £621. The total amount payable would be £184,295 made up of the loan amount plus interest (£58,300) 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
?
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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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