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COMPARE 1000S OF MORTGAGE RATES

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?
Furness
Max LTV 80%:
4.35% discount for 2 years
Initial rate
1.29%
then 5.64% (variable)
Monthly repayments
£488
Scheme fees
£749
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% 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 1.29% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £487 and 276 payments of £753. The total amount payable would be £220,265 made up of the loan amount plus interest (£94,516) and fees (£749). The overall cost for comparison is 5.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 5.0% 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
?
Monmouthshire BS
Max LTV 80%:
3.35% discount for 2 years
Initial rate
1.64%
then 4.99% (variable)
Monthly repayments
£508
Scheme fees
£1,409
Annual cost
£6,803
Fees and charges
Booking fee £150
Arrangement fee £999
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% 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 1.64% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £508 and 276 payments of £712. The total amount payable would be £210,113 made up of the loan amount plus interest (£83,704) and fees (£1,409). The overall cost for comparison is 4.5% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 31/07/24
Initial rate
1.74%
then 4.74% (variable)
Monthly repayments
£514
Scheme fees
£995
Annual cost
£6,667
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 31/07/24
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 1.74% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £514 and 276 payments of £696. The total amount payable would be £205,427 made up of the loan amount plus interest (£79,432) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
1.75%
then 4.49% (variable)
Monthly repayments
£515
Scheme fees
£999
Annual cost
£6,676
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.75% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £514 and 276 payments of £679. The total amount payable would be £200,739 made up of the loan amount plus interest (£74,740) 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
?
HSBC
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.79%
then 4.04% (variable)
Monthly repayments
£517
Scheme fees
£999
Annual cost
£6,705
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.79% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £517 and 276 payments of £651. The total amount payable would be £193,083 made up of the loan amount plus interest (£67,084) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Skipton
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.79%
then 4.89% (variable)
Monthly repayments
£517
Scheme fees
£995
Annual cost
£6,703
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 1.79% and then on a variable rate of 4.89% for the remaining 23 years would require 24 payments of £517 and 276 payments of £706. The total amount payable would be £208,259 made up of the loan amount plus interest (£82,264) and fees (£995). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.1% APRC
?
Newcastle
Max LTV 90%:
2.16% discount to 31/08/24
Initial rate
1.80%
then 3.96% (variable)
Monthly repayments
£518
Scheme fees
£1,289
Annual cost
£6,857
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.80% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £517 and 276 payments of £646. The total amount payable would be £191,993 made up of the loan amount plus interest (£65,704) and fees (£1,289). The overall cost for comparison is 3.7% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Beverley BS
Max LTV 80%:
3.17% discount for 2 years
Initial rate
1.82%
then 4.99% (variable)
Monthly repayments
£519
Scheme fees
£1,330
Annual cost
£6,892
Fees and charges
Booking fee £0
Arrangement fee £995
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 1.82% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £518 and 276 payments of £713. The total amount payable would be £210,550 made up of the loan amount plus interest (£84,220) and fees (£1,330). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Beverley BS
Max LTV 80%:
3.17% discount for 2 years
Initial rate
1.82%
then 4.99% (variable)
Monthly repayments
£519
Scheme fees
£1,330
Annual cost
£6,892
Fees and charges
Booking fee £0
Arrangement fee £995
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 1.82% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £518 and 276 payments of £713. The total amount payable would be £210,550 made up of the loan amount plus interest (£84,220) and fees (£1,330). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 3 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£600
Annual cost
£6,442
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 1.84% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £520 and 264 payments of £649. The total amount payable would be £190,656 made up of the loan amount plus interest (£65,056) and fees (£600). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 5 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£600
Annual cost
£6,362
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 1.84% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £520 and 240 payments of £637. The total amount payable would be £184,680 made up of the loan amount plus interest (£59,080) 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
?
Vernon
Max LTV 75%:
3.51% discount for 2 years
Initial rate
1.84%
then 5.35% (variable)
Monthly repayments
£520
Scheme fees
£0
Annual cost
£6,242
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.84% and then on a variable rate of 5.35% for the remaining 23 years would require 24 payments of £520 and 276 payments of £737. The total amount payable would be £215,892 made up of the loan amount plus interest (£90,892) and fees (£0). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Yorkshire BS
Max LTV 80%:
Base +0.84% to 31/07/24
Initial rate
1.84%
then 4.74% (variable)
Monthly repayments
£520
Scheme fees
£995
Annual cost
£6,739
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 31/07/24
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 1.84% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £520 and 276 payments of £696. The total amount payable would be £205,571 made up of the loan amount plus interest (£79,576) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Principality
Max LTV 65%:
2.80% discount to 30/09/24
Initial rate
1.85%
then 4.65% (variable)
Monthly repayments
£521
Scheme fees
£0
Annual cost
£6,249
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:
1% until 30/09/24
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 1.85% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £520 and 276 payments of £690. The total amount payable would be £202,920 made up of the loan amount plus interest (£77,920) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Yorkshire BS
Max LTV 85%:
Base +0.89% to 31/07/24
Initial rate
1.89%
then 4.74% (variable)
Monthly repayments
£523
Scheme fees
£995
Annual cost
£6,775
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 31/07/24
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 1.89% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £523 and 276 payments of £697. The total amount payable would be £205,919 made up of the loan amount plus interest (£79,924) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 2 years
Initial rate
1.94%
then 5.35% (variable)
Monthly repayments
£526
Scheme fees
£0
Annual cost
£6,314
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.94% and then on a variable rate of 5.35% for the remaining 23 years would require 24 payments of £526 and 276 payments of £738. The total amount payable would be £216,312 made up of the loan amount plus interest (£91,312) and fees (£0). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 3 years
Initial rate
1.94%
then 5.35% (variable)
Monthly repayments
£526
Scheme fees
£0
Annual cost
£6,314
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% reducing to 2% for 3 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.94% and then on a variable rate of 5.35% for the remaining 22 years would require 36 payments of £526 and 264 payments of £729. The total amount payable would be £211,392 made up of the loan amount plus interest (£86,392) and fees (£0). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Nationwide
Max LTV 60%:
Base +0.94% for 2 years
Initial rate
1.94%
then 3.99% (variable)
Monthly repayments
£526
Scheme fees
£999
Annual cost
£6,814
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 1.94% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £526 and 276 payments of £648. The total amount payable would be £192,471 made up of the loan amount plus interest (£66,472) and fees (£999). 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 75%:
Base +0.95% for 2 years
Initial rate
1.95%
then 4.49% (variable)
Monthly repayments
£527
Scheme fees
£999
Annual cost
£6,821
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.95% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £526 and 276 payments of £681. The total amount payable would be £201,579 made up of the loan amount plus interest (£75,580) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Principality
Max LTV 75%:
2.70% discount to 30/09/24
Initial rate
1.95%
then 4.65% (variable)
Monthly repayments
£527
Scheme fees
£0
Annual cost
£6,321
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:
1% until 30/09/24
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 1.95% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £526 and 276 payments of £691. The total amount payable would be £203,340 made up of the loan amount plus interest (£78,340) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Furness
Max LTV 90%:
3.65% discount for 2 years
Initial rate
1.99%
then 5.64% (variable)
Monthly repayments
£529
Scheme fees
-£250
Annual cost
£6,226
Fees and charges
Booking fee £0
Arrangement fee £0
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 variable rate for 2 years at 1.99% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £529 and 276 payments of £758. The total amount payable would be £221,654 made up of the loan amount plus interest (£96,904) and fees (-£250). The overall cost for comparison is 5.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
West Brom
Max LTV 60%:
2.60% discount to 31/08/24
Initial rate
1.99%
then 4.59% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
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 £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £529 and 276 payments of £687. The total amount payable would be £203,307 made up of the loan amount plus interest (£77,308) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
HSBC
Max LTV 70%:
Base +0.99% for 2 years
Initial rate
1.99%
then 4.04% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £529 and 276 payments of £652. The total amount payable would be £193,647 made up of the loan amount plus interest (£67,648) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
HSBC
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.99%
then 4.04% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £529 and 276 payments of £652. The total amount payable would be £193,647 made up of the loan amount plus interest (£67,648) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
West Brom
Max LTV 75%:
2.60% discount to 31/08/24
Initial rate
1.99%
then 4.59% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
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 £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £529 and 276 payments of £687. The total amount payable would be £203,307 made up of the loan amount plus interest (£77,308) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.99%
then 3.99% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
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 1.99% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £649. The total amount payable would be £192,819 made up of the loan amount plus interest (£66,820) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.0% APRC
?
Tipton & Coseley
Max LTV 75%:
3.35% discount for 2 years
Initial rate
1.99%
then 5.34% (variable)
Monthly repayments
£529
Scheme fees
£1,274
Annual cost
£6,988
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
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 1.99% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £529 and 276 payments of £737. The total amount payable would be £217,382 made up of the loan amount plus interest (£91,108) and fees (£1,274). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Beverley BS
Max LTV 65%:
3.00% discount for 3 years
Initial rate
1.99%
then 4.99% (variable)
Monthly repayments
£529
Scheme fees
£1,330
Annual cost
£6,794
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 1.99% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £529 and 264 payments of £706. The total amount payable would be £206,758 made up of the loan amount plus interest (£80,428) and fees (£1,330). 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%:
3.00% discount for 3 years
Initial rate
1.99%
then 4.99% (variable)
Monthly repayments
£529
Scheme fees
£1,330
Annual cost
£6,794
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 1.99% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £529 and 264 payments of £706. The total amount payable would be £206,758 made up of the loan amount plus interest (£80,428) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Suffolk BS
Max LTV 80%:
3.54% discount for 2 years
Initial rate
2.00%
then 5.54% (variable)
Monthly repayments
£530
Scheme fees
£879
Annual cost
£6,797
Fees and charges
Booking fee £199
Arrangement fee £500
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
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 2.00% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £529 and 276 payments of £751. The total amount payable would be £220,851 made up of the loan amount plus interest (£94,972) and fees (£879). The overall cost for comparison is 4.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Vernon
Max LTV 80%:
3.31% discount for 5 years
Initial rate
2.04%
then 5.35% (variable)
Monthly repayments
£532
Scheme fees
£0
Annual cost
£6,387
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.04% and then on a variable rate of 5.35% for the remaining 20 years would require 60 payments of £532 and 240 payments of £712. The total amount payable would be £202,800 made up of the loan amount plus interest (£77,800) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Nationwide
Max LTV 60%:
Base +1.04% for 2 years
Initial rate
2.04%
then 3.99% (variable)
Monthly repayments
£532
Scheme fees
£999
Annual cost
£6,887
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 2.04% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £532 and 276 payments of £649. The total amount payable would be £192,891 made up of the loan amount plus interest (£66,892) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Principality
Max LTV 80%:
2.60% discount to 30/09/24
Initial rate
2.05%
then 4.65% (variable)
Monthly repayments
£533
Scheme fees
£0
Annual cost
£6,394
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:
1% until 30/09/24
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 2.05% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £532 and 276 payments of £692. The total amount payable would be £203,760 made up of the loan amount plus interest (£78,760) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Nationwide
Max LTV 75%:
Base +1.09% for 2 years
Initial rate
2.09%
then 3.99% (variable)
Monthly repayments
£535
Scheme fees
£999
Annual cost
£6,923
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 2.09% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £535 and 276 payments of £649. The total amount payable would be £192,963 made up of the loan amount plus interest (£66,964) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Mansfield
Max LTV 80%:
3.46% discount for 2 years
Initial rate
2.14%
then 5.60% (variable)
Monthly repayments
£538
Scheme fees
£499
Annual cost
£6,710
Fees and charges
Booking fee £199
Arrangement fee £300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% 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 2.14% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £538 and 276 payments of £756. The total amount payable would be £222,067 made up of the loan amount plus interest (£96,568) and fees (£499). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Newbury
Max LTV 85%:
1.96% discount for 5 years
Initial rate
2.14%
then 4.10% (variable)
Monthly repayments
£538
Scheme fees
£600
Annual cost
£6,581
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 2.14% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £538 and 240 payments of £642. The total amount payable would be £186,960 made up of the loan amount plus interest (£61,360) and fees (£600). The overall cost for comparison is 3.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
West Brom
Max LTV 80%:
2.45% discount to 31/08/24
Initial rate
2.14%
then 4.59% (variable)
Monthly repayments
£538
Scheme fees
£999
Annual cost
£6,960
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 £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £538 and 276 payments of £688. The total amount payable would be £203,799 made up of the loan amount plus interest (£77,800) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.15%
then 4.99% (variable)
Monthly repayments
£539
Scheme fees
£1,330
Annual cost
£6,911
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 2.15% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £538 and 264 payments of £707. The total amount payable would be £207,346 made up of the loan amount plus interest (£81,016) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.15%
then 4.99% (variable)
Monthly repayments
£539
Scheme fees
£1,330
Annual cost
£6,911
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 2.15% and then on a variable rate of 4.99% for the remaining 22 years would require 36 payments of £538 and 264 payments of £707. The total amount payable would be £207,346 made up of the loan amount plus interest (£81,016) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Principality
Max LTV 85%:
2.48% discount to 30/09/24
Initial rate
2.17%
then 4.65% (variable)
Monthly repayments
£540
Scheme fees
£0
Annual cost
£6,483
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:
1% until 30/09/24
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 2.17% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £540 and 276 payments of £692. The total amount payable would be £203,952 made up of the loan amount plus interest (£78,952) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Loughborough
Max LTV 80%:
3.15% discount for 2 years
Initial rate
2.19%
then 5.34% (variable)
Monthly repayments
£541
Scheme fees
£0
Annual cost
£6,498
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £120
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £541 and 276 payments of £739. The total amount payable would be £216,948 made up of the loan amount plus interest (£91,948) and fees (£0). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Coventry
Max LTV 75%:
Base +1.20% to 31/10/24
Initial rate
2.20%
then 4.64% (variable)
Monthly repayments
£542
Scheme fees
£999
Annual cost
£7,004
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 £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.20% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £542 and 276 payments of £692. The total amount payable would be £204,999 made up of the loan amount plus interest (£79,000) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Barclays
Max LTV 75%:
Base +1.22% for 2 years
Initial rate
2.22%
then 4.49% (variable)
Monthly repayments
£543
Scheme fees
£1,749
Annual cost
£7,394
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 2.22% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £543 and 276 payments of £682. The total amount payable would be £203,013 made up of the loan amount plus interest (£76,264) and fees (£1,749). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Yorkshire BS
Max LTV 90%:
Base +1.24% to 31/07/24
Initial rate
2.24%
then 4.74% (variable)
Monthly repayments
£545
Scheme fees
£995
Annual cost
£7,032
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 31/07/24
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 2.24% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £544 and 276 payments of £699. The total amount payable would be £206,975 made up of the loan amount plus interest (£80,980) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Nationwide
Max LTV 80%:
Base +1.24% for 2 years
Initial rate
2.24%
then 3.99% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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 2.24% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £544 and 276 payments of £650. The total amount payable would be £193,455 made up of the loan amount plus interest (£67,456) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Leek United
Max LTV 75%:
3.45% discount for 2 years
Initial rate
2.24%
then 5.69% (variable)
Monthly repayments
£545
Scheme fees
£495
Annual cost
£6,782
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% reducing to 0.5% 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 2.24% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £544 and 276 payments of £763. The total amount payable would be £224,139 made up of the loan amount plus interest (£98,644) and fees (£495). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Barclays
Max LTV 75%:
Base +1.25% for 5 years
Initial rate
2.25%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£1,749
Annual cost
£6,892
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 5 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 5 years at 2.25% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £545 and 240 payments of £665. The total amount payable would be £194,049 made up of the loan amount plus interest (£67,300) and fees (£1,749). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Principality
Max LTV 90%:
2.40% discount to 30/09/24
Initial rate
2.25%
then 4.65% (variable)
Monthly repayments
£545
Scheme fees
£0
Annual cost
£6,542
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:
1% until 30/09/24
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 2.25% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £545 and 276 payments of £693. The total amount payable would be £204,348 made up of the loan amount plus interest (£79,348) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.1% 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 1451 Reviews.co.uk respondents. Read our reviews

Looking to Move Home?

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

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

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

Why apply for a mortgage with L&C?

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

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

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Mortgage Options for Moving Home

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

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

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When to apply for a mortgage

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

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

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

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Start your search online for a mortgage

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

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

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

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Moving Home FAQs

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

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

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

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

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