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West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.24%
then 3.99% (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? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 1.24% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £484 and 276 payments of £644. The total amount payable would be £190,359 made up of the loan amount plus interest (£64,360) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
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Barclays
Max LTV 60%:
Fixed to 31/10/22
Initial rate
1.28%
then 3.59% (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% 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 1.28% 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 £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,195
Annual cost
£6,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% 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 1.28% 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 £184,003 made up of the loan amount plus interest (£57,808) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£993
Annual cost
£6,342
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 £183,801 made up of the loan amount plus interest (£57,808) 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
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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
?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.34%
then 3.99% (variable)
Monthly repayments
£491
Scheme fees
£499
Annual cost
£6,136
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 31/12/22
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 1.34% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £490 and 276 payments of £645. The total amount payable would be £190,279 made up of the loan amount plus interest (£64,780) and fees (£499). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
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 31/12/23
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
?
Halifax
Max LTV 60%:
Fixed to 31/12/22
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 31/12/22
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 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
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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
?
Barclays
Max LTV 60%:
Fixed to 31/10/25
Initial rate
1.42%
then 3.59% (variable)
Monthly repayments
£495
Scheme fees
£999
Annual cost
£6,143
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/10/25
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.42% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £495 and 240 payments of £604. The total amount payable would be £175,659 made up of the loan amount plus interest (£49,660) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Natwest
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.43%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£993
Annual cost
£6,446
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 £184,269 made up of the loan amount plus interest (£58,276) 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
?
Natwest
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.43%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£993
Annual cost
£6,446
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 £184,269 made up of the loan amount plus interest (£58,276) 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
?
Virgin Money
Max LTV 65%:
Fixed to 01/01/23
Initial rate
1.44%
then 4.34% (variable)
Monthly repayments
£496
Scheme fees
£1,495
Annual cost
£6,704
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 01/01/23
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £496 and 276 payments of £668. The total amount payable would be £197,767 made up of the loan amount plus interest (£71,272) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.8% 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
?
Leeds
Max LTV 65%:
Fixed to 31/12/22
Initial rate
1.44%
then 5.29% (variable)
Monthly repayments
£496
Scheme fees
£1,999
Annual cost
£6,956
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 31/12/22
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 1.44% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £496 and 276 payments of £730. The total amount payable would be £215,383 made up of the loan amount plus interest (£88,384) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.45%
then 4.34% (variable)
Monthly repayments
£497
Scheme fees
£1,249
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.45% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £496 and 240 payments of £645. The total amount payable would be £185,809 made up of the loan amount plus interest (£59,560) and fees (£1,249). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.45%
then 3.59% (variable)
Monthly repayments
£497
Scheme fees
£993
Annual cost
£6,162
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 31/12/22
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 5 years at 1.45% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £496 and 240 payments of £604. The total amount payable would be £175,713 made up of the loan amount plus interest (£49,720) 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
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.46%
then 3.59% (variable)
Monthly repayments
£498
Scheme fees
£1,199
Annual cost
£6,371
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 31/12/23
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 1.46% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £497 and 264 payments of £615. The total amount payable would be £181,451 made up of the loan amount plus interest (£55,252) 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
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£1,195
Annual cost
£6,583
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
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 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,543 made up of the loan amount plus interest (£58,348) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Clydesdale
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.49%
then 4.55% (variable)
Monthly repayments
£499
Scheme fees
£1,399
Annual cost
£6,691
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £400
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
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 1.49% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £499 and 276 payments of £682. The total amount payable would be £201,607 made up of the loan amount plus interest (£75,208) and fees (£1,399). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Santander
Max LTV 60%:
Fixed to 02/12/22
Initial rate
1.49%
then 3.35% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/12/22
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £499 and 276 payments of £606. The total amount payable would be £180,231 made up of the loan amount plus interest (£54,232) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.50%
then 4.74% (variable)
Monthly repayments
£500
Scheme fees
£909
Annual cost
£6,454
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% 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 fixed rate for 2 years at 1.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £204,429 made up of the loan amount plus interest (£78,520) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Cumberland
Max LTV 60%:
2.58% discount for 2 years
Initial rate
1.51%
then 4.09% (variable)
Monthly repayments
£501
Scheme fees
£999
Annual cost
£6,506
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% 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 1.51% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £500 and 276 payments of £652. The total amount payable would be £192,951 made up of the loan amount plus interest (£66,952) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.53%
then 4.34% (variable)
Monthly repayments
£502
Scheme fees
£749
Annual cost
£6,170
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.53% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £501 and 240 payments of £646. The total amount payable would be £185,849 made up of the loan amount plus interest (£60,100) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£499
Annual cost
£6,277
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 30/11/22
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 1.54% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £646. The total amount payable would be £190,843 made up of the loan amount plus interest (£65,344) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 75%:
Base +1.44% for 2 years
Initial rate
1.54%
then 3.59% (variable)
Monthly repayments
£502
Scheme fees
£1,749
Annual cost
£6,902
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.54% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £502 and 276 payments of £621. The total amount payable would be £185,193 made up of the loan amount plus interest (£58,444) and fees (£1,749). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,227
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:
5% reducing to 1% until 30/11/25
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 5 years at 1.54% and then on a variable rate of 3.99% for the remaining 20 years would require 60 payments of £502 and 240 payments of £627. The total amount payable would be £181,599 made up of the loan amount plus interest (£55,600) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
West Brom
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£499
Annual cost
£6,277
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 31/12/22
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 1.54% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £646. The total amount payable would be £190,843 made up of the loan amount plus interest (£65,344) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£200
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
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 1.56% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £621. The total amount payable would be £183,668 made up of the loan amount plus interest (£58,468) and fees (£200). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£1,199
Annual cost
£6,441
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 31/12/23
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 1.56% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £503 and 264 payments of £616. The total amount payable would be £181,931 made up of the loan amount plus interest (£55,732) 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
?
Barclays
Max LTV 60%:
Base +1.48% for 2 years
Initial rate
1.58%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£0
Annual cost
£6,056
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% pa
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.58% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £504 and 276 payments of £621. The total amount payable would be £183,492 made up of the loan amount plus interest (£58,492) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,262
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 30/11/25
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 1.59% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £505 and 240 payments of £606. The total amount payable would be £176,735 made up of the loan amount plus interest (£50,740) and fees (£995). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Newbury
Max LTV 75%:
2.36% discount for 3 years
Initial rate
1.59%
then 3.95% (variable)
Monthly repayments
£505
Scheme fees
£600
Annual cost
£6,263
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.59% and then on a variable rate of 3.95% for the remaining 22 years would require 36 payments of £505 and 264 payments of £638. The total amount payable would be £187,212 made up of the loan amount plus interest (£61,612) and fees (£600). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Newbury
Max LTV 75%:
2.36% discount for 5 years
Initial rate
1.59%
then 3.95% (variable)
Monthly repayments
£505
Scheme fees
£600
Annual cost
£6,183
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 1.59% and then on a variable rate of 3.95% for the remaining 20 years would require 60 payments of £505 and 240 payments of £626. The total amount payable would be £181,140 made up of the loan amount plus interest (£55,540) and fees (£600). The overall cost for comparison is 2.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Santander
Max LTV 60%:
Fixed to 02/12/25
Initial rate
1.59%
then 3.35% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,262
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% until 02/12/25
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.59% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £505 and 240 payments of £594. The total amount payable would be £173,859 made up of the loan amount plus interest (£47,860) and fees (£999). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£490
Annual cost
£6,308
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,178 made up of the loan amount plus interest (£57,688) 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
?
HSBC
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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
?
HSBC
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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
?
Barclays
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% 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 1.59% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £505 and 276 payments of £621. The total amount payable would be £184,515 made up of the loan amount plus interest (£58,516) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Monmouthshire BS
Max LTV 75%:
Fixed for 2 years
Initial rate
1.60%
then 4.74% (variable)
Monthly repayments
£506
Scheme fees
£909
Annual cost
£6,524
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% 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 fixed rate for 2 years at 1.60% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £505 and 276 payments of £695. The total amount payable would be £204,849 made up of the loan amount plus interest (£78,940) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Cumberland
Max LTV 60%:
2.48% discount for 2 years
Initial rate
1.61%
then 4.09% (variable)
Monthly repayments
£506
Scheme fees
£999
Annual cost
£6,576
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% 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 1.61% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £506 and 276 payments of £653. The total amount payable would be £193,371 made up of the loan amount plus interest (£67,372) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Platform
Max LTV 70%:
Fixed to 31/12/25
Initial rate
1.63%
then 4.34% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.63% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £507 and 240 payments of £648. The total amount payable would be £186,689 made up of the loan amount plus interest (£60,940) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Platform
Max LTV 75%:
Fixed to 31/12/25
Initial rate
1.63%
then 4.34% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/25
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.63% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £507 and 240 payments of £648. The total amount payable would be £186,689 made up of the loan amount plus interest (£60,940) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/10/25
Initial rate
1.63%
then 3.59% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
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:
3% until 31/10/25
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.63% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £507 and 240 payments of £607. The total amount payable would be £176,849 made up of the loan amount plus interest (£51,100) and fees (£749). The overall cost for comparison is 3.0% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.64%
then 3.99% (variable)
Monthly repayments
£508
Scheme fees
£499
Annual cost
£6,198
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:
5% reducing to 1% until 30/11/25
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 5 years at 1.64% and then on a variable rate of 3.99% for the remaining 20 years would require 60 payments of £508 and 240 payments of £629. The total amount payable would be £181,939 made up of the loan amount plus interest (£56,440) and fees (£499). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/23
Initial rate
1.64%
then 3.99% (variable)
Monthly repayments
£508
Scheme fees
£499
Annual cost
£6,264
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:
3% reducing to 1% until 30/11/23
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 1.64% and then on a variable rate of 3.99% for the remaining 22 years would require 36 payments of £508 and 264 payments of £641. The total amount payable would be £188,011 made up of the loan amount plus interest (£62,512) and fees (£499). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.64%
then 3.54% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,298
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 31/12/25
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 1.64% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £508 and 240 payments of £604. The total amount payable would be £176,439 made up of the loan amount plus interest (£50,440) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
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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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