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Yorkshire BS
Max LTV 75%:
Base +0.74% to 29/02/24
Initial rate
0.84%
then 4.49% (variable)
Monthly repayments
£462
Scheme fees
£995
Annual cost
£6,043
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:
1% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.84% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £462 and 276 payments of £674. The total amount payable would be £198,107 made up of the loan amount plus interest (£72,112) and fees (£995). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Nationwide
Max LTV 60%:
Base +0.74% for 2 years
Initial rate
0.84%
then 3.59% (variable)
Monthly repayments
£462
Scheme fees
£999
Annual cost
£6,045
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.84% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £462 and 276 payments of £617. The total amount payable would be £182,379 made up of the loan amount plus interest (£56,380) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
0.85%
then 4.64% (variable)
Monthly repayments
£463
Scheme fees
£995
Annual cost
£6,049
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.85% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £462 and 276 payments of £684. The total amount payable would be £200,867 made up of the loan amount plus interest (£74,872) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
0.85%
then 3.59% (variable)
Monthly repayments
£463
Scheme fees
£999
Annual cost
£6,051
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 0.85% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £462 and 276 payments of £617. The total amount payable would be £182,379 made up of the loan amount plus interest (£56,380) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 75%:
Base +0.79% for 2 years
Initial rate
0.89%
then 3.59% (variable)
Monthly repayments
£465
Scheme fees
£999
Annual cost
£6,078
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.89% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £464 and 276 payments of £617. The total amount payable would be £182,427 made up of the loan amount plus interest (£56,428) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 80%:
Base +0.84% for 2 years
Initial rate
0.94%
then 3.59% (variable)
Monthly repayments
£468
Scheme fees
£999
Annual cost
£6,112
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.94% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £467 and 276 payments of £618. The total amount payable would be £182,775 made up of the loan amount plus interest (£56,776) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 75%:
Base +0.85% for 2 years
Initial rate
0.95%
then 3.59% (variable)
Monthly repayments
£468
Scheme fees
£999
Annual cost
£6,119
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 0.95% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £468 and 276 payments of £618. The total amount payable would be £182,799 made up of the loan amount plus interest (£56,800) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Skipton
Max LTV 70%:
Base +0.85% for 2 years
Initial rate
0.95%
then 4.64% (variable)
Monthly repayments
£468
Scheme fees
£995
Annual cost
£6,117
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.95% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £468 and 276 payments of £684. The total amount payable would be £201,011 made up of the loan amount plus interest (£75,016) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Furness
Max LTV 60%:
4.15% discount for 2 years
Initial rate
0.99%
then 5.14% (variable)
Monthly repayments
£471
Scheme fees
£1,499
Annual cost
£6,396
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
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 variable rate for 2 years at 0.99% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £470 and 276 payments of £717. The total amount payable would be £210,671 made up of the loan amount plus interest (£84,172) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Nationwide
Max LTV 85%:
Base +0.89% for 2 years
Initial rate
0.99%
then 3.59% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,847 made up of the loan amount plus interest (£56,848) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 60%:
Base +0.89% for 2 years
Initial rate
0.99%
then 3.59% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,847 made up of the loan amount plus interest (£56,848) 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
?
Accord
Max LTV 65%:
3.45% discount to 31/03/24
Initial rate
1.04%
then 4.49% (variable)
Monthly repayments
£473
Scheme fees
£495
Annual cost
£5,928
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.04% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £473 and 276 payments of £675. The total amount payable would be £198,147 made up of the loan amount plus interest (£72,652) and fees (£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
?
Barclays
Max LTV 60%:
Base +0.96% for 2 years
Initial rate
1.06%
then 3.59% (variable)
Monthly repayments
£474
Scheme fees
£0
Annual cost
£5,694
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 1.06% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £474 and 276 payments of £618. The total amount payable would be £181,944 made up of the loan amount plus interest (£56,944) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Accord
Max LTV 75%:
3.40% discount to 31/03/24
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£495
Annual cost
£5,962
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,219 made up of the loan amount plus interest (£72,724) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.09%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,267 made up of the loan amount plus interest (£57,268) 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
?
Furness
Max LTV 60%:
4.05% discount for 2 years
Initial rate
1.09%
then 5.14% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
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 variable rate for 2 years at 1.09% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £476 and 276 payments of £718. The total amount payable would be £210,591 made up of the loan amount plus interest (£84,592) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Furness
Max LTV 80%:
4.05% discount for 2 years
Initial rate
1.09%
then 5.14% (variable)
Monthly repayments
£476
Scheme fees
£1,499
Annual cost
£6,464
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
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 variable rate for 2 years at 1.09% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £476 and 276 payments of £718. The total amount payable would be £211,091 made up of the loan amount plus interest (£84,592) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.10%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£1,095
Annual cost
£6,269
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.10% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,363 made up of the loan amount plus interest (£57,268) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 29/02/24
Initial rate
1.12%
then 4.49% (variable)
Monthly repayments
£478
Scheme fees
£1,495
Annual cost
£6,482
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:
2.5% reducing to 1.5% until 29/02/24
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 1.12% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £477 and 276 payments of £676. The total amount payable would be £199,519 made up of the loan amount plus interest (£73,024) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/24
Initial rate
1.13%
then 3.35% (variable)
Monthly repayments
£478
Scheme fees
£999
Annual cost
£6,241
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 02/02/24
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 1.13% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £478 and 276 payments of £604. The total amount payable would be £179,175 made up of the loan amount plus interest (£53,176) 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
?
HSBC
Max LTV 60%:
Fixed to 31/01/24
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
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 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £479 and 276 payments of £616. The total amount payable would be £182,511 made up of the loan amount plus interest (£56,512) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Barclays
Max LTV 75%:
Base +1.08% for 2 years
Initial rate
1.18%
then 3.59% (variable)
Monthly repayments
£481
Scheme fees
£0
Annual cost
£5,776
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 1.18% 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 £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Furness
Max LTV 80%:
3.95% discount for 2 years
Initial rate
1.19%
then 5.14% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
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 variable rate for 2 years at 1.19% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £481 and 276 payments of £719. The total amount payable would be £210,987 made up of the loan amount plus interest (£84,988) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Santander
Max LTV 75%:
Fixed to 02/02/24
Initial rate
1.19%
then 3.35% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/24
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 1.19% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £481 and 276 payments of £604. The total amount payable would be £179,247 made up of the loan amount plus interest (£53,248) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Furness
Max LTV 60%:
Fixed for 2 years
Initial rate
1.19%
then 5.14% (variable)
Monthly repayments
£482
Scheme fees
£1,499
Annual cost
£6,533
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
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 1.19% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £481 and 276 payments of £719. The total amount payable would be £211,487 made up of the loan amount plus interest (£84,988) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Yorkshire BS
Max LTV 80%:
Base +1.09% to 29/02/24
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£995
Annual cost
£6,281
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:
1% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £481 and 276 payments of £676. The total amount payable would be £199,115 made up of the loan amount plus interest (£73,120) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Nationwide
Max LTV 75%:
Base +1.09% for 2 years
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£0
Annual cost
£5,783
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% 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 £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Base +1.09% for 2 years
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£0
Annual cost
£5,783
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% 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 £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.1% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£490
Annual cost
£6,062
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 1.24% 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 £182,122 made up of the loan amount plus interest (£56,632) and fees (£490). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.59% (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:
1.5% reducing to 0.75% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,459 made up of the loan amount plus interest (£57,460) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Fixed for 3 years
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,150
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 0.75% for 3 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.24% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £484 and 264 payments of £614. The total amount payable would be £180,519 made up of the loan amount plus interest (£54,520) 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
?
Nationwide
Max LTV 80%:
Base +1.14% for 2 years
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£0
Annual cost
£5,817
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £182,460 made up of the loan amount plus interest (£57,460) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/01/24
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 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/01/24
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 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 75%:
Fixed to 29/02/24
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£1,095
Annual cost
£6,365
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,555 made up of the loan amount plus interest (£57,460) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Accord
Max LTV 80%:
3.25% discount to 31/03/24
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£495
Annual cost
£6,065
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% 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 £198,687 made up of the loan amount plus interest (£73,192) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 29/02/24
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? 10% p/a
Early Repayment Charge:
2% until 29/02/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/24
Initial rate
1.29%
then 3.35% (variable)
Monthly repayments
£488
Scheme fees
£0
Annual cost
£5,852
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £487 and 276 payments of £605. The total amount payable would be £178,668 made up of the loan amount plus interest (£53,668) and fees (£0). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Nationwide
Max LTV 85%:
Base +1.19% for 2 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£0
Annual cost
£5,852
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.29% 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 £182,808 made up of the loan amount plus interest (£57,808) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Furness
Max LTV 60%:
Fixed for 2 years
Initial rate
1.29%
then 5.14% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% 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 1.29% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £487 and 276 payments of £719. The total amount payable would be £211,131 made up of the loan amount plus interest (£85,132) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Furness
Max LTV 70%:
Fixed for 2 years
Initial rate
1.29%
then 5.14% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% 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 1.29% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £487 and 276 payments of £719. The total amount payable would be £211,131 made up of the loan amount plus interest (£85,132) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Nationwide
Max LTV 75%:
Fixed for 2 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 75%:
Fixed for 3 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,185
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 0.75% for 3 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.29% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £487 and 264 payments of £614. The total amount payable would be £180,627 made up of the loan amount plus interest (£54,628) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Leeds
Max LTV 65%:
Fixed to 29/02/24
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 29/02/24
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 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.30%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£1,095
Annual cost
£6,407
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 £183,927 made up of the loan amount plus interest (£57,832) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Halifax
Max LTV 60%:
Fixed to 28/02/27
Initial rate
1.31%
then 3.59% (variable)
Monthly repayments
£489
Scheme fees
£1,095
Annual cost
£6,085
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.31% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £488 and 240 payments of £603. The total amount payable would be £175,095 made up of the loan amount plus interest (£49,000) and fees (£1,095). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Furness
Max LTV 80%:
Fixed for 2 years
Initial rate
1.33%
then 5.14% (variable)
Monthly repayments
£490
Scheme fees
£749
Annual cost
£6,255
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 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 1.33% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £490 and 276 payments of £720. The total amount payable would be £211,229 made up of the loan amount plus interest (£85,480) and fees (£749). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Yorkshire BS
Max LTV 80%:
Fixed to 29/02/24
Initial rate
1.33%
then 4.49% (variable)
Monthly repayments
£490
Scheme fees
£1,495
Annual cost
£6,628
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:
2.5% reducing to 1.5% until 29/02/24
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 1.33% 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 £200,107 made up of the loan amount plus interest (£73,612) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
First Direct
Max LTV 75%:
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 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/27
Initial rate
1.34%
then 3.35% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,087
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 02/02/27
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 1.34% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £490 and 240 payments of £590. The total amount payable would be £171,999 made up of the loan amount plus interest (£46,000) and fees (£999). The overall cost for comparison is 2.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.5% 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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