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?
Newcastle
Max LTV 80%:
2.46% discount to 31/08/24
Initial rate
1.50%
then 3.96% (variable)
Monthly repayments
£500
Scheme fees
£1,588
Annual cost
£6,793
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.50% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £499 and 276 payments of £644. The total amount payable would be £191,308 made up of the loan amount plus interest (£64,720) and fees (£1,588). The overall cost for comparison is 3.6% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.6% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£1,945
Annual cost
£6,986
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,205 made up of the loan amount plus interest (£83,260) and fees (£1,945). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£1,945
Annual cost
£6,986
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,205 made up of the loan amount plus interest (£83,260) and fees (£1,945). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Newcastle
Max LTV 85%:
2.36% discount to 31/08/24
Initial rate
1.60%
then 3.96% (variable)
Monthly repayments
£506
Scheme fees
£1,588
Annual cost
£6,864
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.60% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £505 and 276 payments of £645. The total amount payable would be £191,728 made up of the loan amount plus interest (£65,140) and fees (£1,588). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Monmouthshire BS
Max LTV 80%:
3.35% discount for 2 years
Initial rate
1.64%
then 4.99% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,598
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.64% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £508 and 276 payments of £712. The total amount payable would be £209,703 made up of the loan amount plus interest (£83,704) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
1.75%
then 4.49% (variable)
Monthly repayments
£515
Scheme fees
£1,048
Annual cost
£6,701
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.75% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £514 and 276 payments of £679. The total amount payable would be £200,788 made up of the loan amount plus interest (£74,740) and fees (£1,048). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Newcastle
Max LTV 90%:
2.16% discount to 31/08/24
Initial rate
1.80%
then 3.96% (variable)
Monthly repayments
£518
Scheme fees
£1,588
Annual cost
£7,007
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.80% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £517 and 276 payments of £646. The total amount payable would be £192,292 made up of the loan amount plus interest (£65,704) and fees (£1,588). The overall cost for comparison is 3.7% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 3 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£1,149
Annual cost
£6,625
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.84% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £520 and 264 payments of £649. The total amount payable would be £191,205 made up of the loan amount plus interest (£65,056) and fees (£1,149). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 5 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£1,149
Annual cost
£6,471
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 1.84% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £520 and 240 payments of £637. The total amount payable would be £185,229 made up of the loan amount plus interest (£59,080) and fees (£1,149). The overall cost for comparison is 2.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Saffron
Max LTV 80%:
3.90% discount for 2 years
Initial rate
1.89%
then 4.79% (variable)
Monthly repayments
£523
Scheme fees
£1,478
Annual cost
£7,017
Fees and charges
Booking fee £180
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.89% and then on a variable rate of 4.79% for the remaining 23 years would require 24 payments of £523 and 276 payments of £700. The total amount payable would be £207,230 made up of the loan amount plus interest (£80,752) and fees (£1,478). The overall cost for comparison is 3.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Accord
Max LTV 65%:
2.85% discount to 31/08/24
Initial rate
1.89%
then 4.74% (variable)
Monthly repayments
£523
Scheme fees
£794
Annual cost
£6,675
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/08/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.89% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £523 and 276 payments of £697. The total amount payable would be £205,718 made up of the loan amount plus interest (£79,924) and fees (£794). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Accord
Max LTV 75%:
2.80% discount to 31/08/24
Initial rate
1.94%
then 4.74% (variable)
Monthly repayments
£526
Scheme fees
£794
Annual cost
£6,711
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/08/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.94% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £526 and 276 payments of £697. The total amount payable would be £205,790 made up of the loan amount plus interest (£79,996) and fees (£794). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Hinckley & Rugby
Max LTV 85%:
4.24% discount for 2 years
Initial rate
1.95%
then 6.19% (variable)
Monthly repayments
£527
Scheme fees
£248
Annual cost
£6,445
Fees and charges
Booking fee £199
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.95% and then on a variable rate of 6.19% for the remaining 23 years would require 24 payments of £526 and 276 payments of £796. The total amount payable would be £232,568 made up of the loan amount plus interest (£107,320) and fees (£248). The overall cost for comparison is 4.9% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 4.9% APRC
?
Barclays
Max LTV 75%:
Base +0.95% for 2 years
Initial rate
1.95%
then 4.49% (variable)
Monthly repayments
£527
Scheme fees
£1,048
Annual cost
£6,845
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.95% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £526 and 276 payments of £681. The total amount payable would be £201,628 made up of the loan amount plus interest (£75,580) and fees (£1,048). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Tipton & Coseley
Max LTV 75%:
3.35% discount for 2 years
Initial rate
1.99%
then 5.34% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £529 and 276 payments of £737. The total amount payable would be £217,107 made up of the loan amount plus interest (£91,108) and fees (£999). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Nationwide
Max LTV 60%:
Base +0.99% for 2 years
Initial rate
1.99%
then 3.99% (variable)
Monthly repayments
£529
Scheme fees
£798
Annual cost
£6,750
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £649. The total amount payable would be £192,618 made up of the loan amount plus interest (£66,820) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Suffolk BS
Max LTV 80%:
3.54% discount for 2 years
Initial rate
2.00%
then 5.54% (variable)
Monthly repayments
£530
Scheme fees
£699
Annual cost
£6,707
Fees and charges
Booking fee £199
Arrangement fee £500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.00% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £529 and 276 payments of £751. The total amount payable would be £220,671 made up of the loan amount plus interest (£94,972) and fees (£699). The overall cost for comparison is 4.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Accord
Max LTV 80%:
2.71% discount to 31/08/24
Initial rate
2.03%
then 4.74% (variable)
Monthly repayments
£532
Scheme fees
£794
Annual cost
£6,777
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/08/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.03% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £531 and 276 payments of £697. The total amount payable would be £205,910 made up of the loan amount plus interest (£80,116) and fees (£794). The overall cost for comparison is 4.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Nationwide
Max LTV 75%:
Base +1.04% for 2 years
Initial rate
2.04%
then 3.99% (variable)
Monthly repayments
£532
Scheme fees
£798
Annual cost
£6,786
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.04% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £532 and 276 payments of £649. The total amount payable would be £192,690 made up of the loan amount plus interest (£66,892) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Accord
Max LTV 85%:
2.65% discount to 31/08/24
Initial rate
2.09%
then 4.74% (variable)
Monthly repayments
£535
Scheme fees
£794
Annual cost
£6,821
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/08/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £535 and 276 payments of £698. The total amount payable would be £206,282 made up of the loan amount plus interest (£80,488) and fees (£794). The overall cost for comparison is 4.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Newbury
Max LTV 85%:
1.96% discount for 5 years
Initial rate
2.14%
then 4.10% (variable)
Monthly repayments
£538
Scheme fees
£850
Annual cost
£6,631
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.14% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £538 and 240 payments of £642. The total amount payable would be £187,210 made up of the loan amount plus interest (£61,360) and fees (£850). The overall cost for comparison is 3.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Mansfield
Max LTV 80%:
3.46% discount for 2 years
Initial rate
2.14%
then 5.60% (variable)
Monthly repayments
£538
Scheme fees
£499
Annual cost
£6,710
Fees and charges
Booking fee £199
Arrangement fee £300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £538 and 276 payments of £756. The total amount payable would be £222,067 made up of the loan amount plus interest (£96,568) and fees (£499). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Beverley BS
Max LTV 80%:
2.80% discount for 2 years
Initial rate
2.19%
then 4.99% (variable)
Monthly repayments
£541
Scheme fees
£50
Annual cost
£6,523
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £541 and 276 payments of £715. The total amount payable would be £210,374 made up of the loan amount plus interest (£85,324) and fees (£50). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 80%:
2.80% discount for 2 years
Initial rate
2.19%
then 4.99% (variable)
Monthly repayments
£541
Scheme fees
£50
Annual cost
£6,523
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £541 and 276 payments of £715. The total amount payable would be £210,374 made up of the loan amount plus interest (£85,324) and fees (£50). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Loughborough
Max LTV 80%:
3.15% discount for 2 years
Initial rate
2.19%
then 5.34% (variable)
Monthly repayments
£541
Scheme fees
£299
Annual cost
£6,647
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £120
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £541 and 276 payments of £739. The total amount payable would be £217,247 made up of the loan amount plus interest (£91,948) and fees (£299). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Hinckley & Rugby
Max LTV 90%:
3.99% discount for 2 years
Initial rate
2.20%
then 6.19% (variable)
Monthly repayments
£542
Scheme fees
£793
Annual cost
£6,901
Fees and charges
Booking fee £199
Arrangement fee £0
Valuation fee £295
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £150
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.20% and then on a variable rate of 6.19% for the remaining 23 years would require 24 payments of £542 and 276 payments of £798. The total amount payable would be £234,049 made up of the loan amount plus interest (£108,256) and fees (£793). The overall cost for comparison is 5.0% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 5.0% APRC
?
Barclays
Max LTV 75%:
Base +1.22% for 2 years
Initial rate
2.22%
then 4.49% (variable)
Monthly repayments
£543
Scheme fees
£1,798
Annual cost
£7,419
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.22% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £543 and 276 payments of £682. The total amount payable would be £203,062 made up of the loan amount plus interest (£76,264) and fees (£1,798). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/08/32
Initial rate
2.23%
then 4.49% (variable)
Monthly repayments
£544
Scheme fees
£999
Annual cost
£6,627
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:
6% reducing to 1% until 31/08/32
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 10 years at 2.23% and then on a variable rate of 4.49% for the remaining 15 years would require 120 payments of £543 and 180 payments of £635. The total amount payable would be £180,459 made up of the loan amount plus interest (£54,460) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Leek United
Max LTV 75%:
3.45% discount for 2 years
Initial rate
2.24%
then 5.69% (variable)
Monthly repayments
£545
Scheme fees
£794
Annual cost
£6,931
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £544 and 276 payments of £763. The total amount payable would be £224,438 made up of the loan amount plus interest (£98,644) and fees (£794). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Accord
Max LTV 90%:
2.49% discount to 31/08/24
Initial rate
2.25%
then 4.74% (variable)
Monthly repayments
£545
Scheme fees
£299
Annual cost
£6,691
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/08/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.25% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £545 and 276 payments of £699. The total amount payable would be £206,303 made up of the loan amount plus interest (£81,004) and fees (£299). The overall cost for comparison is 4.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Monmouthshire BS
Max LTV 90%:
2.74% discount for 2 years
Initial rate
2.25%
then 4.99% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,041
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.25% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £545 and 276 payments of £715. The total amount payable would be £211,419 made up of the loan amount plus interest (£85,420) and fees (£999). The overall cost for comparison is 4.7% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/08/25
Initial rate
2.25%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£1,048
Annual cost
£6,891
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/08/25
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 2.25% and then on a variable rate of 4.49% for the remaining 22 years would require 36 payments of £545 and 264 payments of £677. The total amount payable would be £199,396 made up of the loan amount plus interest (£73,348) and fees (£1,048). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 75%:
Base +1.25% for 5 years
Initial rate
2.25%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£1,798
Annual cost
£6,902
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 5 years
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.25% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £545 and 240 payments of £665. The total amount payable would be £194,098 made up of the loan amount plus interest (£67,300) and fees (£1,798). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/08/29
Initial rate
2.26%
then 4.49% (variable)
Monthly repayments
£546
Scheme fees
£1,048
Annual cost
£6,699
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/08/29
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 2.26% and then on a variable rate of 4.49% for the remaining 18 years would require 84 payments of £545 and 216 payments of £654. The total amount payable would be £188,092 made up of the loan amount plus interest (£62,044) and fees (£1,048). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Lloyds
Max LTV 75%:
Fixed to 31/08/32
Initial rate
2.29%
then 4.49% (variable)
Monthly repayments
£548
Scheme fees
£999
Annual cost
£6,672
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:
6% reducing to 1% until 31/08/32
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 10 years at 2.29% and then on a variable rate of 4.49% for the remaining 15 years would require 120 payments of £547 and 180 payments of £637. The total amount payable would be £181,299 made up of the loan amount plus interest (£55,300) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Barclays
Max LTV 80%:
Base +1.29% for 2 years
Initial rate
2.29%
then 4.49% (variable)
Monthly repayments
£548
Scheme fees
£1,048
Annual cost
£7,096
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £547 and 276 payments of £682. The total amount payable would be £202,408 made up of the loan amount plus interest (£76,360) and fees (£1,048). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Skipton
Max LTV 90%:
Base +1.30% for 2 years
Initial rate
2.30%
then 4.89% (variable)
Monthly repayments
£548
Scheme fees
£995
Annual cost
£7,077
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.30% and then on a variable rate of 4.89% for the remaining 23 years would require 24 payments of £548 and 276 payments of £709. The total amount payable would be £209,831 made up of the loan amount plus interest (£83,836) and fees (£995). The overall cost for comparison is 4.4% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 4.4% APRC
?
Leek United
Max LTV 85%:
3.39% discount for 2 years
Initial rate
2.30%
then 5.69% (variable)
Monthly repayments
£548
Scheme fees
-£101
Annual cost
£6,529
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.30% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £548 and 276 payments of £763. The total amount payable would be £223,639 made up of the loan amount plus interest (£98,740) and fees (-£101). The overall cost for comparison is 4.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/08/27
Initial rate
2.31%
then 4.49% (variable)
Monthly repayments
£549
Scheme fees
£999
Annual cost
£6,786
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.31% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £548 and 240 payments of £666. The total amount payable would be £193,719 made up of the loan amount plus interest (£67,720) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/08/32
Initial rate
2.32%
then 4.49% (variable)
Monthly repayments
£550
Scheme fees
£1,048
Annual cost
£6,699
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% until 31/08/32
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 2.32% and then on a variable rate of 4.49% for the remaining 15 years would require 120 payments of £549 and 180 payments of £638. The total amount payable would be £181,768 made up of the loan amount plus interest (£55,720) and fees (£1,048). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
TSB
Max LTV 60%:
Fixed to 31/08/24
Initial rate
2.34%
then 4.49% (variable)
Monthly repayments
£551
Scheme fees
£794
Annual cost
£7,006
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/24
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 2.34% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £550 and 276 payments of £683. The total amount payable would be £202,502 made up of the loan amount plus interest (£76,708) and fees (£794). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Nationwide
Max LTV 80%:
Base +1.34% for 2 years
Initial rate
2.34%
then 3.99% (variable)
Monthly repayments
£551
Scheme fees
£798
Annual cost
£7,008
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £550 and 276 payments of £651. The total amount payable would be £193,674 made up of the loan amount plus interest (£67,876) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Nationwide
Max LTV 85%:
Base +1.34% for 2 years
Initial rate
2.34%
then 3.99% (variable)
Monthly repayments
£551
Scheme fees
£798
Annual cost
£7,008
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £550 and 276 payments of £651. The total amount payable would be £193,674 made up of the loan amount plus interest (£67,876) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
HSBC
Max LTV 80%:
Base +1.34% for 2 years
Initial rate
2.34%
then 4.04% (variable)
Monthly repayments
£551
Scheme fees
£999
Annual cost
£7,109
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £550 and 276 payments of £654. The total amount payable would be £194,703 made up of the loan amount plus interest (£68,704) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 85%:
Base +1.34% for 2 years
Initial rate
2.34%
then 4.04% (variable)
Monthly repayments
£551
Scheme fees
£999
Annual cost
£7,109
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £550 and 276 payments of £654. The total amount payable would be £194,703 made up of the loan amount plus interest (£68,704) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Suffolk BS
Max LTV 90%:
3.19% discount for 2 years
Initial rate
2.35%
then 5.54% (variable)
Monthly repayments
£551
Scheme fees
£1,198
Annual cost
£7,216
Fees and charges
Booking fee £199
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.35% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £551 and 276 payments of £753. The total amount payable would be £222,250 made up of the loan amount plus interest (£96,052) and fees (£1,198). The overall cost for comparison is 4.8% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Accord
Max LTV 75%:
Fixed to 31/08/24
Initial rate
2.36%
then 4.74% (variable)
Monthly repayments
£552
Scheme fees
£1,474
Annual cost
£7,361
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/08/24
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 2 years at 2.36% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £552 and 276 payments of £699. The total amount payable would be £207,646 made up of the loan amount plus interest (£81,172) and fees (£1,474). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Lloyds
Max LTV 75%:
Fixed to 31/08/27
Initial rate
2.36%
then 4.49% (variable)
Monthly repayments
£552
Scheme fees
£999
Annual cost
£6,824
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.36% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £552 and 240 payments of £667. The total amount payable would be £194,199 made up of the loan amount plus interest (£68,200) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Lloyds
Max LTV 80%:
Fixed to 31/08/27
Initial rate
2.38%
then 4.49% (variable)
Monthly repayments
£553
Scheme fees
£999
Annual cost
£6,839
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.38% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £553 and 240 payments of £667. The total amount payable would be £194,259 made up of the loan amount plus interest (£68,260) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/08/24
Initial rate
2.38%
then 4.49% (variable)
Monthly repayments
£553
Scheme fees
£999
Annual cost
£7,139
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/24
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 2 years at 2.38% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £553 and 276 payments of £683. The total amount payable would be £202,779 made up of the loan amount plus interest (£76,780) and fees (£999). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
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