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COMPARE Mortgages

This is Money has teamed up with L&C, the UK's leading fee free mortgage broker, to offer you expert advice on the right deal. Whether you're buying a new home, remortgaging to a new deal, or buying a Buy to Let, use the tools below to see how much you could borrow, and the mortgages, rates and monthly payments you could potentially apply for. You can start your application online or call L&C for help - and you'll pay no fee for their service.

At the successful completion of your mortgage application, L&C are paid a commission by the lender and will share a small part of the fee with This is Money. We do not allow this commercial relationship to affect our editorial independence.

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Virgin Money
Max LTV 60%:
Fixed to 01/02/29
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 01/02/29
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 4.54% 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 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
0800 073 9999 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
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 28/02/29
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 9999 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
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 28/02/29
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 9999 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 9999 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 9999 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 9999 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 9999 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 9999 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 9999 Continue online
Nationwide
Max LTV 60%:
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 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 073 9999 Continue online
First Direct
Max LTV 60%:
Fixed to 5 years
Initial rate
4.74%
then 6.99% (variable)
Monthly repayments
£712
Scheme fees
£490
Annual cost
£8,641
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 4.74% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £711 and 240 payments of £854. The total amount payable would be £248,110 made up of the loan amount plus interest (£122,620) 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 9999 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 9999 Continue online
Cumberland
Max LTV 75%:
Fixed to 01/01/29
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 01/01/29
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 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 073 9999 Continue online
Skipton
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.76%
then 6.79% (variable)
Monthly repayments
£713
Scheme fees
£2,995
Annual cost
£9,159
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 4.76% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £713 and 240 payments of £841. The total amount payable would be £247,615 made up of the loan amount plus interest (£119,620) and fees (£2,995). 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 9999 Continue online
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 9999 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 9999 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
?
0800 073 9999 Continue online
Yorkshire BS
Max LTV 80%:
Fixed to 28/02/29
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 28/02/29
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 9999 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.79%
then 8.24% (variable)
Monthly repayments
£716
Scheme fees
-£150
Annual cost
£8,556
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £150
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 28/02/29
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 £268,110 made up of the loan amount plus interest (£143,260) and fees (-£150). 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 9999 Continue online
Co-Op
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.79%
then 8.12% (variable)
Monthly repayments
£716
Scheme fees
£749
Annual cost
£8,736
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 4.79% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £715 and 240 payments of £931. The total amount payable would be £267,089 made up of the loan amount plus interest (£141,340) 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 9999 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 9999 Continue online
Skipton
Max LTV 75%:
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 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 073 9999 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 9999 Continue online
Virgin Money
Max LTV 70%:
Fixed to 01/02/29
Initial rate
4.80%
then 9.49% (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% 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 £290,675 made up of the loan amount plus interest (£164,680) 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 9999 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 9999 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
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Santander
Max LTV 60%:
Fixed to 02/04/29
Initial rate
4.83%
then 7.50% (variable)
Monthly repayments
£718
Scheme fees
£1,048
Annual cost
£8,831
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 02/04/29
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 4.83% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £718 and 240 payments of £889. The total amount payable would be £257,488 made up of the loan amount plus interest (£131,440) 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
?
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Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.84%
then 7.99% (variable)
Monthly repayments
£719
Scheme fees
£798
Annual cost
£8,789
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 4.84% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £719 and 240 payments of £923. The total amount payable would be £265,458 made up of the loan amount plus interest (£139,660) 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
?
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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
?
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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
?
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HSBC
Max LTV 75%:
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 75% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
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First Direct
Max LTV 75%:
Fixed to 5 years
Initial rate
4.84%
then 6.99% (variable)
Monthly repayments
£719
Scheme fees
£490
Annual cost
£8,728
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 4.84% 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 £248,830 made up of the loan amount plus interest (£123,340) and fees (£490). The overall cost for comparison is 6.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
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Vernon
Max LTV 80%:
Fixed to 31/01/29
Initial rate
4.85%
then 8.10% (variable)
Monthly repayments
£720
Scheme fees
£1,243
Annual cost
£8,887
Fees and charges
Booking fee £0
Arrangement fee £699
Valuation fee £245
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early repayment charge:
5% reducing to 2% until 31/01/29
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 5 years at 4.85% and then on a variable rate of 8.10% for the remaining 20 years would require 60 payments of £719 and 240 payments of £930. The total amount payable would be £267,583 made up of the loan amount plus interest (£141,340) and fees (£1,243). The overall cost for comparison is 7.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
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Coventry
Max LTV 65%:
Fixed to 30/04/29
Initial rate
4.85%
then 7.49% (variable)
Monthly repayments
£720
Scheme fees
£948
Annual cost
£8,828
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 30/04/29
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 4.85% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £719 and 240 payments of £889. The total amount payable would be £257,448 made up of the loan amount plus interest (£131,500) 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
?
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Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.85%
then 7.99% (variable)
Monthly repayments
£720
Scheme fees
-£201
Annual cost
£8,598
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 4.85% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £719 and 240 payments of £923. The total amount payable would be £264,459 made up of the loan amount plus interest (£139,660) and fees (-£201). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
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Skipton
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.86%
then 6.79% (variable)
Monthly repayments
£721
Scheme fees
£1,295
Annual cost
£8,906
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 4.86% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £720 and 240 payments of £842. The total amount payable would be £246,575 made up of the loan amount plus interest (£120,280) and fees (£1,295). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
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Natwest
Max LTV 60%:
Fixed to 31/03/26
Initial rate
4.87%
then 8.24% (variable)
Monthly repayments
£721
Scheme fees
£1,544
Annual cost
£9,428
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:
1.5% reducing to 0.75% until 31/03/26
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 2 years at 4.87% and then on a variable rate of 8.24% for the remaining 23 years would require 24 payments of £721 and 276 payments of £967. The total amount payable would be £285,740 made up of the loan amount plus interest (£159,196) and fees (£1,544). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
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Bank of Ireland
Max LTV 60%:
Fixed to 28/02/27
Initial rate
4.87%
then 8.04% (variable)
Monthly repayments
£721
Scheme fees
£1,494
Annual cost
£9,154
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 28/02/27
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 4.87% and then on a variable rate of 8.04% for the remaining 22 years would require 36 payments of £721 and 264 payments of £943. The total amount payable would be £276,402 made up of the loan amount plus interest (£149,908) 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 9999 Continue online
Yorkshire BS
Max LTV 85%:
Fixed to 28/02/29
Initial rate
4.89%
then 8.24% (variable)
Monthly repayments
£723
Scheme fees
£1,495
Annual cost
£8,972
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 28/02/29
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 4.89% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £722 and 240 payments of £941. The total amount payable would be £270,655 made up of the loan amount plus interest (£144,160) and fees (£1,495). 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 9999 Continue online
MPowered Mortgages
Max LTV 85%:
Fixed for 10 years
Initial rate
4.89%
then 8.74% (variable)
Monthly repayments
£723
Scheme fees
£798
Annual cost
£8,753
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 1% for 10 years
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 10 years at 4.89% and then on a variable rate of 8.74% for the remaining 15 years would require 120 payments of £722 and 180 payments of £919. The total amount payable would be £252,858 made up of the loan amount plus interest (£127,060) and fees (£798). The overall cost for comparison is 6.3% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0800 073 9999 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/27
Initial rate
4.89%
then 8.24% (variable)
Monthly repayments
£723
Scheme fees
£1,495
Annual cost
£9,171
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:
3% reducing to 2% until 28/02/27
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 3 years at 4.89% and then on a variable rate of 8.24% for the remaining 22 years would require 36 payments of £722 and 264 payments of £959. The total amount payable would be £280,663 made up of the loan amount plus interest (£154,168) 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 9999 Continue online
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.89%
then 8.24% (variable)
Monthly repayments
£723
Scheme fees
£1,794
Annual cost
£9,032
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early repayment charge:
5% reducing to 2% until 28/02/29
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.89% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £722 and 240 payments of £941. The total amount payable would be £270,954 made up of the loan amount plus interest (£144,160) and fees (£1,794). 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 9999 Continue online
Yorkshire BS
Max LTV 80%:
Fixed to 28/02/29
Initial rate
4.89%
then 8.24% (variable)
Monthly repayments
£723
Scheme fees
£245
Annual cost
£8,722
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 28/02/29
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 4.89% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £722 and 240 payments of £941. The total amount payable would be £269,405 made up of the loan amount plus interest (£144,160) and fees (£245). 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 9999 Continue online
Digital Mortgages
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.89%
then 6.99% (variable)
Monthly repayments
£723
Scheme fees
£900
Annual cost
£8,853
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 4.89% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £722 and 240 payments of £856. The total amount payable would be £249,660 made up of the loan amount plus interest (£123,760) and fees (£900). The overall cost for comparison is 6.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.3% APRC
?
0800 073 9999 Continue online
Santander
Max LTV 75%:
Fixed to 02/04/29
Initial rate
4.89%
then 7.50% (variable)
Monthly repayments
£723
Scheme fees
£1,048
Annual cost
£8,883
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 02/04/29
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 4.89% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £722 and 240 payments of £890. The total amount payable would be £257,968 made up of the loan amount plus interest (£131,920) 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 9999 Continue online
Principality
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.90%
then 7.60% (variable)
Monthly repayments
£723
Scheme fees
£0
Annual cost
£8,682
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 28/02/29
Other info
Exit fee £65
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.90% and then on a variable rate of 7.60% for the remaining 20 years would require 60 payments of £723 and 240 payments of £897. The total amount payable would be £258,660 made up of the loan amount plus interest (£133,660) and fees (£0). The overall cost for comparison is 6.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0800 073 9999 Continue online
Bank of Ireland
Max LTV 85%:
Fixed to 28/02/29
Initial rate
4.90%
then 8.04% (variable)
Monthly repayments
£723
Scheme fees
£1,294
Annual cost
£8,940
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 4.90% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £723 and 240 payments of £927. The total amount payable would be £267,154 made up of the loan amount plus interest (£140,860) and fees (£1,294). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 073 9999 Continue online
Clydesdale
Max LTV 65%:
Fixed to 31/01/29
Initial rate
4.90%
then 9.49% (variable)
Monthly repayments
£723
Scheme fees
£999
Annual cost
£8,881
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 31/01/29
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 4.90% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £723 and 240 payments of £1,029. The total amount payable would be £291,339 made up of the loan amount plus interest (£165,340) and fees (£999). The overall cost for comparison is 8.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 8.0% APRC
?
0800 073 9999 Continue online
Leeds
Max LTV 85%:
Fixed to 28/02/29
Initial rate
4.92%
then 8.24% (variable)
Monthly repayments
£725
Scheme fees
£999
Annual cost
£8,899
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 28/02/29
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 4.92% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £724 and 240 payments of £941. The total amount payable would be £270,279 made up of the loan amount plus interest (£144,280) 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 9999 Continue online
Furness
Max LTV 80%:
Fixed for 5 years
Initial rate
4.92%
then 8.69% (variable)
Monthly repayments
£725
Scheme fees
£1,048
Annual cost
£8,909
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 2% for 5 years
Other info
Exit fee £120
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.92% and then on a variable rate of 8.69% for the remaining 20 years would require 60 payments of £724 and 240 payments of £973. The total amount payable would be £278,008 made up of the loan amount plus interest (£151,960) and fees (£1,048). 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 9999 Continue online
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Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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Representative example A mortgage of £195,890 payable over 23 years, initially on a fixed rate until 31/12/25 at 5.69% and then on a variable rate of 6.99% for the remaining 21 years would require 26 payments of £1,274.15 followed by 250 payments of £1,417.33. The total amount payable would be £388,459 made up of the loan amount plus interest (£191,570) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.
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