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Mortgages

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Virgin Money
Max LTV 60%:
Fixed to 01/02/29
Initial rate
4.50%
then 9.49% (variable)
Monthly repayments
£695
Scheme fees
£895
Annual cost
£8,516
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 01/02/29
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 4.50% 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 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
0800 073 2339 Continue online
Skipton
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.57%
then 6.79% (variable)
Monthly repayments
£700
Scheme fees
£2,995
Annual cost
£8,996
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6% reducing to 1.75% until 31/03/29
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 4.57% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £699 and 240 payments of £838. The total amount payable would be £246,055 made up of the loan amount plus interest (£118,060) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
0800 073 2339 Continue online
Cumberland
Max LTV 75%:
Fixed to 01/02/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
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 01/02/29
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 £267,639 made up of the loan amount plus interest (£141,640) 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 2339 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£1,495
Annual cost
£8,713
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 31/03/29
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 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £268,195 made up of the loan amount plus interest (£141,700) 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 2339 Continue online
Skipton
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.61%
then 6.79% (variable)
Monthly repayments
£703
Scheme fees
£2,995
Annual cost
£9,030
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6% reducing to 1.75% until 31/03/29
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 6.79% for the remaining 20 years would require 60 payments of £702 and 240 payments of £839. The total amount payable would be £246,475 made up of the loan amount plus interest (£118,480) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
0800 073 2339 Continue online
First Direct
Max LTV 60%:
Fixed to 5 years
Initial rate
4.64%
then 6.99% (variable)
Monthly repayments
£705
Scheme fees
£490
Annual cost
£8,555
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 4.64% 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 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2339 Continue online
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.68%
then 7.99% (variable)
Monthly repayments
£708
Scheme fees
£798
Annual cost
£8,651
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 4.68% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £707 and 240 payments of £920. The total amount payable would be £264,018 made up of the loan amount plus interest (£138,220) and fees (£798). 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 2339 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.69%
then 8.24% (variable)
Monthly repayments
£708
Scheme fees
£245
Annual cost
£8,549
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 31/03/29
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 4.69% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £708 and 240 payments of £938. The total amount payable would be £267,845 made up of the loan amount plus interest (£142,600) and fees (£245). 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 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.69%
then 8.04% (variable)
Monthly repayments
£708
Scheme fees
£1,294
Annual cost
£8,759
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £708 and 240 payments of £924. The total amount payable would be £265,534 made up of the loan amount plus interest (£139,240) and fees (£1,294). 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 2339 Continue online
Bank of Ireland
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.69%
then 8.04% (variable)
Monthly repayments
£708
Scheme fees
£1,495
Annual cost
£8,799
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £708 and 240 payments of £924. The total amount payable would be £265,735 made up of the loan amount plus interest (£139,240) and fees (£1,495). 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 2339 Continue online
Virgin Money
Max LTV 60%:
Fixed to 01/02/29
Initial rate
4.70%
then 9.49% (variable)
Monthly repayments
£709
Scheme fees
£995
Annual cost
£8,708
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:
3.5% until 01/02/29
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 4.70% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £709 and 240 payments of £1,026. The total amount payable would be £289,775 made up of the loan amount plus interest (£163,780) 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 2339 Continue online
Skipton
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.70%
then 6.79% (variable)
Monthly repayments
£709
Scheme fees
£1,295
Annual cost
£8,768
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6% reducing to 1.75% until 31/03/29
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 4.70% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £709 and 240 payments of £840. The total amount payable would be £245,435 made up of the loan amount plus interest (£119,140) and fees (£1,295). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
0800 073 2339 Continue online
Santander
Max LTV 60%:
Fixed to 02/05/29
Initial rate
4.71%
then 7.50% (variable)
Monthly repayments
£710
Scheme fees
£1,048
Annual cost
£8,727
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 02/05/29
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 4.71% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £709 and 240 payments of £887. The total amount payable would be £256,468 made up of the loan amount plus interest (£130,420) and fees (£1,048). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 60%:
Fixed to 31/03/27
Initial rate
4.72%
then 8.04% (variable)
Monthly repayments
£710
Scheme fees
£1,494
Annual cost
£9,024
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/03/27
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.72% and then on a variable rate of 8.04% for the remaining 22 years would require 36 payments of £710 and 264 payments of £942. The total amount payable would be £275,742 made up of the loan amount plus interest (£149,248) and fees (£1,494). 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 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/31
Initial rate
4.73%
then 8.04% (variable)
Monthly repayments
£711
Scheme fees
£1,495
Annual cost
£8,748
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.73% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £711 and 216 payments of £906. The total amount payable would be £256,915 made up of the loan amount plus interest (£130,420) and fees (£1,495). 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 2339 Continue online
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.73%
then 8.24% (variable)
Monthly repayments
£711
Scheme fees
£1,544
Annual cost
£8,843
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 31/03/29
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 4.73% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £711 and 240 payments of £938. The total amount payable would be £269,324 made up of the loan amount plus interest (£142,780) and fees (£1,544). 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 2339 Continue online
Bank of Ireland
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.74%
then 8.04% (variable)
Monthly repayments
£712
Scheme fees
£995
Annual cost
£8,742
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.74% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £711 and 240 payments of £925. The total amount payable would be £265,655 made up of the loan amount plus interest (£139,660) and fees (£995). 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 2339 Continue online
TSB
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.74%
then 8.74% (variable)
Monthly repayments
£712
Scheme fees
£994
Annual cost
£8,742
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 31/03/29
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 4.74% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £711 and 240 payments of £973. The total amount payable would be £277,174 made up of the loan amount plus interest (£151,180) and fees (£994). 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 2339 Continue online
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.74%
then 7.99% (variable)
Monthly repayments
£712
Scheme fees
£798
Annual cost
£8,703
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 4.74% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £711 and 240 payments of £921. The total amount payable would be £264,498 made up of the loan amount plus interest (£138,700) 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 2339 Continue online
Co-Op
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.75%
then 8.12% (variable)
Monthly repayments
£713
Scheme fees
£749
Annual cost
£8,702
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 30/04/29
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 4.75% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £712 and 240 payments of £930. The total amount payable would be £266,669 made up of the loan amount plus interest (£140,920) and fees (£749). 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 2339 Continue online
Cumberland
Max LTV 85%:
Fixed to 01/02/29
Initial rate
4.75%
then 8.24% (variable)
Monthly repayments
£713
Scheme fees
£999
Annual cost
£8,752
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 01/02/29
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 4.75% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £712 and 240 payments of £938. The total amount payable would be £268,839 made up of the loan amount plus interest (£142,840) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.75%
then 8.04% (variable)
Monthly repayments
£713
Scheme fees
£1,495
Annual cost
£8,851
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.75% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £712 and 240 payments of £925. The total amount payable would be £266,215 made up of the loan amount plus interest (£139,720) 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 2339 Continue online
Skipton
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.75%
then 6.79% (variable)
Monthly repayments
£713
Scheme fees
£1,295
Annual cost
£8,811
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6% reducing to 1.75% until 31/03/29
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 4.75% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £712 and 240 payments of £841. The total amount payable would be £245,855 made up of the loan amount plus interest (£119,560) and fees (£1,295). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
0800 073 2339 Continue online
Cumberland
Max LTV 75%:
Fixed to 01/02/29
Initial rate
4.76%
then 8.24% (variable)
Monthly repayments
£713
Scheme fees
£0
Annual cost
£8,560
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 01/02/29
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 4.76% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £713 and 240 payments of £939. The total amount payable would be £268,140 made up of the loan amount plus interest (£143,140) and fees (£0). 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 2339 Continue online
Coventry
Max LTV 65%:
Fixed to 30/06/29
Initial rate
4.77%
then 7.49% (variable)
Monthly repayments
£714
Scheme fees
£948
Annual cost
£8,759
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £125
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.77% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £714 and 240 payments of £888. The total amount payable would be £256,908 made up of the loan amount plus interest (£130,960) and fees (£948). The overall cost for comparison is 6.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 31/03/26
Initial rate
4.77%
then 8.04% (variable)
Monthly repayments
£714
Scheme fees
£1,494
Annual cost
£9,316
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/03/26
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.77% and then on a variable rate of 8.04% for the remaining 23 years would require 24 payments of £714 and 276 payments of £951. The total amount payable would be £281,106 made up of the loan amount plus interest (£154,612) and fees (£1,494). The overall cost for comparison is 7.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
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Virgin Money
Max LTV 70%:
Fixed to 01/02/27
Initial rate
4.78%
then 9.49% (variable)
Monthly repayments
£715
Scheme fees
£995
Annual cost
£8,909
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
2.5% until 01/02/27
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 3 years at 4.78% and then on a variable rate of 9.49% for the remaining 22 years would require 36 payments of £714 and 264 payments of £1,054. The total amount payable would be £304,955 made up of the loan amount plus interest (£178,960) and fees (£995). The overall cost for comparison is 8.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 8.5% APRC
?
0800 073 2339 Continue online
Virgin Money
Max LTV 70%:
Fixed to 01/02/29
Initial rate
4.78%
then 9.49% (variable)
Monthly repayments
£715
Scheme fees
£995
Annual cost
£8,777
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:
3.5% until 01/02/29
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 4.78% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £714 and 240 payments of £1,027. The total amount payable would be £290,315 made up of the loan amount plus interest (£164,320) and fees (£995). The overall cost for comparison is 7.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/31
Initial rate
4.78%
then 8.04% (variable)
Monthly repayments
£715
Scheme fees
£995
Annual cost
£8,720
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.78% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £714 and 216 payments of £907. The total amount payable would be £256,883 made up of the loan amount plus interest (£130,888) and fees (£995). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
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Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.78%
then 8.24% (variable)
Monthly repayments
£715
Scheme fees
£1,044
Annual cost
£8,787
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 31/03/29
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 4.78% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £714 and 240 payments of £939. The total amount payable would be £269,244 made up of the loan amount plus interest (£143,200) and fees (£1,044). 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 2339 Continue online
Natwest
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.78%
then 8.24% (variable)
Monthly repayments
£715
Scheme fees
£1,544
Annual cost
£8,887
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 31/03/29
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 4.78% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £714 and 240 payments of £939. The total amount payable would be £269,744 made up of the loan amount plus interest (£143,200) and fees (£1,544). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 2339 Continue online
HSBC
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.79%
then 6.99% (variable)
Monthly repayments
£716
Scheme fees
£998
Annual cost
£8,786
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 28/02/29
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 4.79% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £715 and 240 payments of £854. The total amount payable would be £248,858 made up of the loan amount plus interest (£122,860) and fees (£998). The overall cost for comparison is 6.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0800 073 2339 Continue online
Virgin Money
Max LTV 60%:
Fixed to 01/02/26
Initial rate
4.79%
then 9.49% (variable)
Monthly repayments
£716
Scheme fees
£1,250
Annual cost
£9,211
Fees and charges
Booking fee £0
Arrangement fee £1,250
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
1.5% until 01/02/26
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 2 years at 4.79% and then on a variable rate of 9.49% for the remaining 23 years would require 24 payments of £715 and 276 payments of £1,066. The total amount payable would be £312,626 made up of the loan amount plus interest (£186,376) and fees (£1,250). The overall cost for comparison is 8.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 8.9% APRC
?
0800 073 2339 Continue online
Yorkshire BS
Max LTV 80%:
Fixed to 31/03/29
Initial rate
4.79%
then 8.24% (variable)
Monthly repayments
£716
Scheme fees
£1,495
Annual cost
£8,885
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 31/03/29
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 4.79% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £715 and 240 payments of £939. The total amount payable would be £269,755 made up of the loan amount plus interest (£143,260) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 2339 Continue online
First Direct
Max LTV 75%:
Fixed to 5 years
Initial rate
4.79%
then 6.99% (variable)
Monthly repayments
£716
Scheme fees
£490
Annual cost
£8,684
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 4.79% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £715 and 240 payments of £854. The total amount payable would be £248,350 made up of the loan amount plus interest (£122,860) 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 2339 Continue online
TSB
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.79%
then 8.74% (variable)
Monthly repayments
£716
Scheme fees
£994
Annual cost
£8,785
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 31/03/29
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 4.79% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £715 and 240 payments of £974. The total amount payable would be £277,654 made up of the loan amount plus interest (£151,660) 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 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 31/03/26
Initial rate
4.79%
then 8.04% (variable)
Monthly repayments
£716
Scheme fees
£1,495
Annual cost
£9,334
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/03/26
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.79% and then on a variable rate of 8.04% for the remaining 23 years would require 24 payments of £715 and 276 payments of £951. The total amount payable would be £281,131 made up of the loan amount plus interest (£154,636) and fees (£1,495). The overall cost for comparison is 7.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0800 073 2339 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.79%
then 8.24% (variable)
Monthly repayments
£716
Scheme fees
£0
Annual cost
£8,586
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% until 31/03/29
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 4.79% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £715 and 240 payments of £939. The total amount payable would be £268,260 made up of the loan amount plus interest (£143,260) and fees (£0). 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 2339 Continue online
Skipton
Max LTV 85%:
Fixed to 31/03/29
Initial rate
4.80%
then 6.79% (variable)
Monthly repayments
£716
Scheme fees
£2,995
Annual cost
£9,194
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
6% reducing to 1.75% until 31/03/29
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 4.80% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £716 and 240 payments of £841. The total amount payable would be £247,795 made up of the loan amount plus interest (£119,800) and fees (£2,995). The overall cost for comparison is 6.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.80%
then 8.04% (variable)
Monthly repayments
£716
Scheme fees
£995
Annual cost
£8,794
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.80% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £716 and 240 payments of £925. The total amount payable would be £265,955 made up of the loan amount plus interest (£139,960) and fees (£995). 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 2339 Continue online
Virgin Money
Max LTV 60%:
Fixed to 01/02/29
Initial rate
4.80%
then 9.49% (variable)
Monthly repayments
£716
Scheme fees
£0
Annual cost
£8,595
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:
3.5% until 01/02/29
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 4.80% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £716 and 240 payments of £1,028. The total amount payable would be £289,680 made up of the loan amount plus interest (£164,680) and fees (£0). 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 2339 Continue online
Bank of Ireland
Max LTV 60%:
Fixed to 31/03/26
Initial rate
4.81%
then 8.04% (variable)
Monthly repayments
£717
Scheme fees
£994
Annual cost
£9,101
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/03/26
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.81% and then on a variable rate of 8.04% for the remaining 23 years would require 24 payments of £716 and 276 payments of £951. The total amount payable would be £280,654 made up of the loan amount plus interest (£154,660) and fees (£994). The overall cost for comparison is 7.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0800 073 2339 Continue online
Bank of Ireland
Max LTV 75%:
Fixed to 31/03/27
Initial rate
4.82%
then 8.04% (variable)
Monthly repayments
£718
Scheme fees
£1,494
Annual cost
£9,110
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% pa
Early repayment charge:
3% reducing to 2% until 31/03/27
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.82% and then on a variable rate of 8.04% for the remaining 22 years would require 36 payments of £717 and 264 payments of £943. The total amount payable would be £276,258 made up of the loan amount plus interest (£149,764) and fees (£1,494). 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 2339 Continue online
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
4.82%
then 7.99% (variable)
Monthly repayments
£718
Scheme fees
£798
Annual cost
£9,011
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:
2% reducing to 1.5% for 2 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 2 years at 4.82% and then on a variable rate of 7.99% for the remaining 23 years would require 24 payments of £717 and 276 payments of £948. The total amount payable would be £279,654 made up of the loan amount plus interest (£153,856) and fees (£798). The overall cost for comparison is 7.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.6% APRC
?
0800 073 2339 Continue online
Santander
Max LTV 75%:
Fixed to 02/05/29
Initial rate
4.82%
then 7.50% (variable)
Monthly repayments
£718
Scheme fees
£1,048
Annual cost
£8,822
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 02/05/29
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 4.82% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £717 and 240 payments of £889. The total amount payable would be £257,428 made up of the loan amount plus interest (£131,380) and fees (£1,048). 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 2339 Continue online
Natwest
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.83%
then 8.24% (variable)
Monthly repayments
£718
Scheme fees
£1,044
Annual cost
£8,830
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 31/03/29
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 4.83% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £718 and 240 payments of £940. The total amount payable would be £269,724 made up of the loan amount plus interest (£143,680) and fees (£1,044). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 2339 Continue online
Nationwide
Max LTV 60%:
Fixed for 3 years
Initial rate
4.83%
then 7.99% (variable)
Monthly repayments
£718
Scheme fees
£798
Annual cost
£8,887
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:
3.5% reducing to 1.5% for 3 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 3 years at 4.83% and then on a variable rate of 7.99% for the remaining 22 years would require 36 payments of £718 and 264 payments of £939. The total amount payable would be £274,542 made up of the loan amount plus interest (£148,744) and fees (£798). 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 2339 Continue online
Co-Op
Max LTV 75%:
Fixed to 30/04/29
Initial rate
4.83%
then 8.12% (variable)
Monthly repayments
£718
Scheme fees
£749
Annual cost
£8,771
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 30/04/29
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 4.83% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £718 and 240 payments of £931. The total amount payable would be £267,269 made up of the loan amount plus interest (£141,520) 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 2339 Continue online
HSBC
Max LTV 70%:
Fixed to 28/02/29
Initial rate
4.84%
then 6.99% (variable)
Monthly repayments
£719
Scheme fees
£998
Annual cost
£8,829
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 28/02/29
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 4.84% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £719 and 240 payments of £855. The total amount payable would be £249,338 made up of the loan amount plus interest (£123,340) and fees (£998). The overall cost for comparison is 6.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0800 073 2339 Continue online
Digital Mortgages
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.84%
then 6.99% (variable)
Monthly repayments
£719
Scheme fees
£900
Annual cost
£8,810
Fees and charges
Booking fee £0
Arrangement fee £900
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early repayment charge:
5% reducing to 1.5% until 31/03/29
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 4.84% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £719 and 240 payments of £855. The total amount payable would be £249,240 made up of the loan amount plus interest (£123,340) and fees (£900). The overall cost for comparison is 6.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0800 073 2339 Continue online
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