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HomeOwners Alliance Mortgage Service

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Allied Irish Bank
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.09%
then 7.75% (variable)
Monthly repayments
£666
Scheme fees
£200
Annual cost
£8,032
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.09% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £666 and 240 payments of £895. The total amount payable would be £254,960 made up of the loan amount plus interest (£129,760) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 073 2326 Continue online
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.28%
then 8.24% (variable)
Monthly repayments
£679
Scheme fees
£1,544
Annual cost
£8,460
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.28% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £679 and 240 payments of £931. The total amount payable would be £265,724 made up of the loan amount plus interest (£139,180) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Allied Irish Bank
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.29%
then 7.75% (variable)
Monthly repayments
£680
Scheme fees
£200
Annual cost
£8,200
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.29% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £679 and 240 payments of £898. The total amount payable would be £256,460 made up of the loan amount plus interest (£131,260) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 073 2326 Continue online
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.30%
then 7.50% (variable)
Monthly repayments
£681
Scheme fees
£1,048
Annual cost
£8,378
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.30% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £680 and 240 payments of £881. The total amount payable would be £253,288 made up of the loan amount plus interest (£127,240) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 073 2326 Continue online
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.33%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£1,044
Annual cost
£8,402
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.33% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £682 and 240 payments of £932. The total amount payable would be £265,644 made up of the loan amount plus interest (£139,600) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.33%
then 8.74% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.33% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £682 and 240 payments of £967. The total amount payable would be £273,999 made up of the loan amount plus interest (£148,000) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 073 2326 Continue online
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.34%
then 7.99% (variable)
Monthly repayments
£683
Scheme fees
£798
Annual cost
£8,361
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £915. The total amount payable would be £261,378 made up of the loan amount plus interest (£135,580) and fees (£798). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
0800 073 2326 Continue online
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.38%
then 8.24% (variable)
Monthly repayments
£686
Scheme fees
£999
Annual cost
£8,435
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.38% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £686 and 240 payments of £933. The total amount payable would be £266,079 made up of the loan amount plus interest (£140,080) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
TSB
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.39%
then 8.74% (variable)
Monthly repayments
£687
Scheme fees
£994
Annual cost
£8,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £687 and 240 payments of £968. The total amount payable would be £274,534 made up of the loan amount plus interest (£148,540) and fees (£994). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 073 2326 Continue online
Allied Irish Bank
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.40%
then 7.75% (variable)
Monthly repayments
£688
Scheme fees
£200
Annual cost
£8,293
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.40% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £687 and 240 payments of £900. The total amount payable would be £257,420 made up of the loan amount plus interest (£132,220) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 073 2326 Continue online
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.43%
then 8.12% (variable)
Monthly repayments
£690
Scheme fees
£749
Annual cost
£8,428
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,486
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £690 and 240 payments of £968. The total amount payable would be £274,719 made up of the loan amount plus interest (£148,720) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 073 2326 Continue online
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.46%
then 7.50% (variable)
Monthly repayments
£692
Scheme fees
£49
Annual cost
£8,313
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:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.46% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £691 and 240 payments of £884. The total amount payable would be £253,669 made up of the loan amount plus interest (£128,620) and fees (£49). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.46%
then 8.74% (variable)
Monthly repayments
£692
Scheme fees
£0
Annual cost
£8,304
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.46% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £691 and 240 payments of £969. The total amount payable would be £274,020 made up of the loan amount plus interest (£149,020) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.48%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,653
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 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.48% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £693 and 264 payments of £993. The total amount payable would be £288,099 made up of the loan amount plus interest (£162,100) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2326 Continue online
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£49
Annual cost
£8,330
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £693 and 240 payments of £934. The total amount payable would be £265,789 made up of the loan amount plus interest (£140,740) and fees (£49). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
HSBC
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£998
Annual cost
£8,520
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,578 made up of the loan amount plus interest (£120,580) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£490
Annual cost
£8,418
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,070 made up of the loan amount plus interest (£120,580) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
Newbury
Max LTV 75%:
Fixed to 29/05/29
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,499
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 29/5/29
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.00% for the remaining 20 years would require 60 payments of £694 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£895
Annual cost
£8,508
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,815 made up of the loan amount plus interest (£161,920) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2326 Continue online
TSB
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£995
Annual cost
£8,528
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £969. The total amount payable would be £275,195 made up of the loan amount plus interest (£149,200) and fees (£995). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.49%
then 7.99% (variable)
Monthly repayments
£694
Scheme fees
-£201
Annual cost
£8,289
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £917. The total amount payable would be £261,519 made up of the loan amount plus interest (£136,720) and fees (-£201). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
0800 073 2326 Continue online
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.51%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£1,544
Annual cost
£8,655
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.51% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £695 and 240 payments of £935. The total amount payable would be £267,644 made up of the loan amount plus interest (£141,100) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Cumberland
Max LTV 75%:
Fixed to 01/07/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,159 made up of the loan amount plus interest (£141,160) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Leeds
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.54%
then 8.24% (variable)
Monthly repayments
£698
Scheme fees
£999
Annual cost
£8,571
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 31/08/29
Other info
Exit fee £199
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £697 and 240 payments of £935. The total amount payable would be £267,219 made up of the loan amount plus interest (£141,220) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Virgin Money
Max LTV 75%:
Fixed to 01/08/29
Initial rate
4.54%
then 9.49% (variable)
Monthly repayments
£698
Scheme fees
£895
Annual cost
£8,551
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £697 and 240 payments of £1,023. The total amount payable would be £288,235 made up of the loan amount plus interest (£162,340) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2326 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.54%
then 8.24% (variable)
Monthly repayments
£698
Scheme fees
£1,495
Annual cost
£8,671
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 31/07/29
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £697 and 240 payments of £935. The total amount payable would be £267,715 made up of the loan amount plus interest (£141,220) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
TSB
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.54%
then 8.74% (variable)
Monthly repayments
£698
Scheme fees
£994
Annual cost
£8,570
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £697 and 240 payments of £970. The total amount payable would be £275,614 made up of the loan amount plus interest (£149,620) and fees (£994). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Santander
Max LTV 75%:
Fixed to 02/09/29
Initial rate
4.55%
then 7.50% (variable)
Monthly repayments
£698
Scheme fees
£1,048
Annual cost
£8,590
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £698 and 240 payments of £885. The total amount payable would be £255,328 made up of the loan amount plus interest (£129,280) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.56%
then 8.74% (variable)
Monthly repayments
£699
Scheme fees
£999
Annual cost
£8,588
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £275,739 made up of the loan amount plus interest (£149,740) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.56%
then 8.24% (variable)
Monthly repayments
£699
Scheme fees
£1,044
Annual cost
£8,597
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £699 and 240 payments of £936. The total amount payable would be £267,624 made up of the loan amount plus interest (£141,580) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
Allied Irish Bank
Max LTV 85%:
Fixed to 31/05/29
Initial rate
4.56%
then 7.75% (variable)
Monthly repayments
£699
Scheme fees
£200
Annual cost
£8,429
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £699 and 240 payments of £902. The total amount payable would be £258,620 made up of the loan amount plus interest (£133,420) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0800 073 2326 Continue online
Santander
Max LTV 60%:
Fixed to 02/09/27
Initial rate
4.57%
then 7.50% (variable)
Monthly repayments
£700
Scheme fees
£1,048
Annual cost
£8,747
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2% reducing to 1% until 02/09/27
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.57% and then on a variable rate of 7.50% for the remaining 22 years would require 36 payments of £699 and 264 payments of £901. The total amount payable would be £264,076 made up of the loan amount plus interest (£138,028) and fees (£1,048). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.74% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,397
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £274,740 made up of the loan amount plus interest (£149,740) and fees (£0). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.12% (variable)
Monthly repayments
£700
Scheme fees
-£250
Annual cost
£8,347
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £699 and 240 payments of £927. The total amount payable would be £264,170 made up of the loan amount plus interest (£139,420) and fees (-£250). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 2326 Continue online
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,406
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £266,640 made up of the loan amount plus interest (£141,640) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
TSB
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
-£1
Annual cost
£8,414
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £971. The total amount payable would be £275,099 made up of the loan amount plus interest (£150,100) and fees (-£1). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.59%
then 7.99% (variable)
Monthly repayments
£701
Scheme fees
£798
Annual cost
£8,574
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £701 and 240 payments of £919. The total amount payable would be £263,418 made up of the loan amount plus interest (£137,620) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 2326 Continue online
TSB
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£995
Annual cost
£8,746
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £701 and 264 payments of £994. The total amount payable would be £288,647 made up of the loan amount plus interest (£162,652) and fees (£995). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2326 Continue online
Darlington
Max LTV 80%:
Fixed to 30/04/29
Initial rate
4.59%
then 8.09% (variable)
Monthly repayments
£701
Scheme fees
£798
Annual cost
£8,574
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10%
Early repayment charge:
5% reducing to 2% until 30/04/29
Other info
Exit fee £100
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.09% for the remaining 20 years would require 60 payments of £701 and 240 payments of £926. The total amount payable would be £265,098 made up of the loan amount plus interest (£139,300) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 2326 Continue online
Vernon
Max LTV 80%:
Fixed to 30/06/27
Initial rate
4.59%
then 8.10% (variable)
Monthly repayments
£701
Scheme fees
£1,043
Annual cost
£8,762
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £245
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
3% reducing to 2% until 30/06/27
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 8.10% for the remaining 22 years would require 36 payments of £701 and 264 payments of £945. The total amount payable would be £275,759 made up of the loan amount plus interest (£149,716) and fees (£1,043). The overall cost for comparison is 7.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £971. The total amount payable would be £276,099 made up of the loan amount plus interest (£150,100) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
Halifax
Max LTV 75%:
Fixed to 30/06/27
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,747
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 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £701 and 264 payments of £994. The total amount payable would be £288,651 made up of the loan amount plus interest (£162,652) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2326 Continue online
Allied Irish Bank
Max LTV 90%:
Fixed to 31/05/29
Initial rate
4.61%
then 7.75% (variable)
Monthly repayments
£703
Scheme fees
£200
Annual cost
£8,471
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early repayment charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.61% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £702 and 240 payments of £903. The total amount payable would be £259,040 made up of the loan amount plus interest (£133,840) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0800 073 2326 Continue online
Co-Op
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.62%
then 8.12% (variable)
Monthly repayments
£703
Scheme fees
£749
Annual cost
£8,590
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £703 and 240 payments of £928. The total amount payable would be £265,649 made up of the loan amount plus interest (£139,900) and fees (£749). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 2326 Continue online
HSBC
Max LTV 60%:
Fixed to 31/07/29
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
-£1
Annual cost
£8,448
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,719 made up of the loan amount plus interest (£121,720) and fees (-£1). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£999
Annual cost
£8,648
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,119 made up of the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 2326 Continue online
First Direct
Max LTV 75%:
Fixed for 5 years
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£490
Annual cost
£8,547
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£0
Annual cost
£8,449
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,720 made up of the loan amount plus interest (£121,720) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2326 Continue online
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.64%
then 8.74% (variable)
Monthly repayments
£705
Scheme fees
£999
Annual cost
£8,657
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
4.5% reducing to 1% for 5 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £276,519 made up of the loan amount plus interest (£150,520) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 073 2326 Continue online
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Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
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Our dedication to providing our customers with a first class mortgage service has helped us win over 150 awards since 2002, more than any other mortgage broker. In fact we’ve won the most prestigious awards in our industry on numerous occasions. You can see them all in our awards gallery.
We’re proud to support Winston’s Wish, the UK's leading childhood bereavement charity. Every year Winston’s Wish need to raise over £2.4million to provide practical help and support to children suffering the loss of a parent or sibling. For more information visit the Winston's Wish website and Twitter