Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
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Matching mortgages
Please be aware that some rates may not be available for flats.
Please speak to one of our expert advisers for more information.
Please speak to one of our expert advisers for more information.
Max LTV 60%: Fixed to 31/05/29
Max LTV 60%:
Fixed to 31/05/29
Fixed to 31/05/29
Initial rate
4.09%
then 7.75% (variable)
Monthly repayments
£666
Scheme fees
£200
Annual cost
£8,032
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.09%
and then on a variable rate of 7.75% for the remaining 20 years
would require 60 payments of
£666 and 240 payments of £895.
The total amount payable would be £254,960 made up of
the loan amount plus interest (£129,760) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.28%
then 8.24% (variable)
Monthly repayments
£679
Scheme fees
£1,544
Annual cost
£8,460
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.28%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£679 and 240 payments of £931.
The total amount payable would be £265,724 made up of
the loan amount plus interest (£139,180) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
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Max LTV 75%: Fixed to 31/05/29
Max LTV 75%:
Fixed to 31/05/29
Fixed to 31/05/29
Initial rate
4.29%
then 7.75% (variable)
Monthly repayments
£680
Scheme fees
£200
Annual cost
£8,200
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.29%
and then on a variable rate of 7.75% for the remaining 20 years
would require 60 payments of
£679 and 240 payments of £898.
The total amount payable would be £256,460 made up of
the loan amount plus interest (£131,260) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Max LTV 60%: Fixed to 02/09/29
Max LTV 60%:
Fixed to 02/09/29
Fixed to 02/09/29
Initial rate
4.30%
then 7.50% (variable)
Monthly repayments
£681
Scheme fees
£1,048
Annual cost
£8,378
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.30%
and then on a variable rate of 7.50% for the remaining 20 years
would require 60 payments of
£680 and 240 payments of £881.
The total amount payable would be £253,288 made up of
the loan amount plus interest (£127,240) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.33%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£1,044
Annual cost
£8,402
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.33%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£682 and 240 payments of £932.
The total amount payable would be £265,644 made up of
the loan amount plus interest (£139,600) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 60%: Fixed to 31/07/29
Max LTV 60%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.33%
then 6.99% (variable)
Monthly repayments
£683
Scheme fees
£998
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.33%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£682 and 240 payments of £848.
The total amount payable would be £245,438 made up of
the loan amount plus interest (£119,440) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.33%
then 8.74% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.33%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£682 and 240 payments of £967.
The total amount payable would be £273,999 made up of
the loan amount plus interest (£148,000) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Max LTV 60%: Fixed for 5 years
Max LTV 60%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.34%
then 7.99% (variable)
Monthly repayments
£683
Scheme fees
£798
Annual cost
£8,361
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.34%
and then on a variable rate of 7.99% for the remaining 20 years
would require 60 payments of
£683 and 240 payments of £915.
The total amount payable would be £261,378 made up of
the loan amount plus interest (£135,580) and fees (£798). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Max LTV 60%: Fixed for 5 years
Max LTV 60%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.37%
then 6.99% (variable)
Monthly repayments
£686
Scheme fees
£490
Annual cost
£8,325
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 4.37%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£685 and 240 payments of £848.
The total amount payable would be £245,110 made up of
the loan amount plus interest (£119,620) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Max LTV 75%: Fixed to 30/06/29
Max LTV 75%:
Fixed to 30/06/29
Fixed to 30/06/29
Initial rate
4.39%
then 8.24% (variable)
Monthly repayments
£687
Scheme fees
£999
Annual cost
£8,444
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 30/06/29
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 4.39%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£687 and 240 payments of £933.
The total amount payable would be £266,139 made up of
the loan amount plus interest (£140,140) 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
?
Max LTV 80%: Fixed to 31/05/29
Max LTV 80%:
Fixed to 31/05/29
Fixed to 31/05/29
Initial rate
4.40%
then 7.75% (variable)
Monthly repayments
£688
Scheme fees
£200
Annual cost
£8,293
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.40%
and then on a variable rate of 7.75% for the remaining 20 years
would require 60 payments of
£687 and 240 payments of £900.
The total amount payable would be £257,420 made up of
the loan amount plus interest (£132,220) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,486
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.44%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£690 and 240 payments of £968.
The total amount payable would be £274,719 made up of
the loan amount plus interest (£148,720) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.46%
then 8.74% (variable)
Monthly repayments
£692
Scheme fees
£0
Annual cost
£8,304
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.46%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£691 and 240 payments of £969.
The total amount payable would be £274,020 made up of
the loan amount plus interest (£149,020) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Max LTV 60%: Fixed to 31/07/29
Max LTV 60%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.46%
then 6.99% (variable)
Monthly repayments
£692
Scheme fees
-£1
Annual cost
£8,303
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.46%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£691 and 240 payments of £850.
The total amount payable would be £245,459 made up of
the loan amount plus interest (£120,460) and fees (-£1). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Max LTV 60%: Fixed to 31/07/29
Max LTV 60%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.46%
then 8.12% (variable)
Monthly repayments
£692
Scheme fees
£749
Annual cost
£8,453
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/07/29
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 4.46%
and then on a variable rate of 8.12% for the remaining 20 years
would require 60 payments of
£691 and 240 payments of £926.
The total amount payable would be £264,449 made up of
the loan amount plus interest (£138,700) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Max LTV 60%: Fixed to 02/09/29
Max LTV 60%:
Fixed to 02/09/29
Fixed to 02/09/29
Initial rate
4.46%
then 7.50% (variable)
Monthly repayments
£692
Scheme fees
£49
Annual cost
£8,313
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.46%
and then on a variable rate of 7.50% for the remaining 20 years
would require 60 payments of
£691 and 240 payments of £884.
The total amount payable would be £253,669 made up of
the loan amount plus interest (£128,620) and fees (£49). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£49
Annual cost
£8,330
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.48%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£693 and 240 payments of £934.
The total amount payable would be £265,789 made up of
the loan amount plus interest (£140,740) and fees (£49). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 60%: Fixed for 5 years
Max LTV 60%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£0
Annual cost
£8,320
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.48%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£693 and 240 payments of £850.
The total amount payable would be £245,580 made up of
the loan amount plus interest (£120,580) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Max LTV 65%: Fixed to 01/08/29
Max LTV 65%:
Fixed to 01/08/29
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£895
Annual cost
£8,508
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.49%
and then on a variable rate of 9.49% for the remaining 20 years
would require 60 payments of
£694 and 240 payments of £1,022.
The total amount payable would be £287,815 made up of
the loan amount plus interest (£161,920) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Max LTV 60%: Fixed for 5 years
Max LTV 60%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.49%
then 7.99% (variable)
Monthly repayments
£694
Scheme fees
-£201
Annual cost
£8,289
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.49%
and then on a variable rate of 7.99% for the remaining 20 years
would require 60 payments of
£694 and 240 payments of £917.
The total amount payable would be £261,519 made up of
the loan amount plus interest (£136,720) and fees (-£201). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Max LTV 75%: Fixed to 29/05/29
Max LTV 75%:
Fixed to 29/05/29
Fixed to 29/05/29
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,499
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 29/5/29
Other info
Exit fee £115
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.49%
and then on a variable rate of 7.00% for the remaining 20 years
would require 60 payments of
£694 and 240 payments of £851.
The total amount payable would be £246,730 made up of
the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Max LTV 75%: Fixed to 31/08/29
Max LTV 75%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.51%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£1,544
Annual cost
£8,655
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.51%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£695 and 240 payments of £935.
The total amount payable would be £267,644 made up of
the loan amount plus interest (£141,100) and fees (£1,544). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 75%: Fixed for 5 years
Max LTV 75%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.51%
then 6.99% (variable)
Monthly repayments
£696
Scheme fees
£490
Annual cost
£8,444
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 4.51%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£695 and 240 payments of £850.
The total amount payable would be £246,190 made up of
the loan amount plus interest (£120,700) 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
?
Max LTV 70%: Fixed to 31/07/29
Max LTV 70%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.54%
then 6.99% (variable)
Monthly repayments
£698
Scheme fees
£998
Annual cost
£8,571
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.54%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£697 and 240 payments of £851.
The total amount payable would be £247,058 made up of
the loan amount plus interest (£121,060) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Max LTV 75%: Fixed to 31/07/29
Max LTV 75%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.54%
then 6.99% (variable)
Monthly repayments
£698
Scheme fees
£998
Annual cost
£8,571
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.54%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£697 and 240 payments of £851.
The total amount payable would be £247,058 made up of
the loan amount plus interest (£121,060) and fees (£998). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Max LTV 75%: Fixed to 31/07/29
Max LTV 75%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.54%
then 8.24% (variable)
Monthly repayments
£698
Scheme fees
£1,495
Annual cost
£8,671
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/07/29
Other info
Exit fee £90
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.54%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£697 and 240 payments of £935.
The total amount payable would be £267,715 made up of
the loan amount plus interest (£141,220) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 75%: Fixed to 30/06/29
Max LTV 75%:
Fixed to 30/06/29
Fixed to 30/06/29
Initial rate
4.54%
then 8.24% (variable)
Monthly repayments
£698
Scheme fees
£0
Annual cost
£8,372
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 30/06/29
Other info
Exit fee £199
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.54%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£697 and 240 payments of £935.
The total amount payable would be £266,220 made up of
the loan amount plus interest (£141,220) 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
?
Max LTV 75%: Fixed to 01/08/29
Max LTV 75%:
Fixed to 01/08/29
Fixed to 01/08/29
Initial rate
4.54%
then 9.49% (variable)
Monthly repayments
£698
Scheme fees
£895
Annual cost
£8,551
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.54%
and then on a variable rate of 9.49% for the remaining 20 years
would require 60 payments of
£697 and 240 payments of £1,023.
The total amount payable would be £288,235 made up of
the loan amount plus interest (£162,340) and fees (£895). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Max LTV 75%: Fixed to 02/09/29
Max LTV 75%:
Fixed to 02/09/29
Fixed to 02/09/29
Initial rate
4.55%
then 7.50% (variable)
Monthly repayments
£698
Scheme fees
£1,048
Annual cost
£8,590
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/09/29
Other info
Exit fee £225
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.55%
and then on a variable rate of 7.50% for the remaining 20 years
would require 60 payments of
£698 and 240 payments of £885.
The total amount payable would be £255,328 made up of
the loan amount plus interest (£129,280) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Max LTV 75%: Fixed to 31/08/29
Max LTV 75%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.56%
then 8.24% (variable)
Monthly repayments
£699
Scheme fees
£1,044
Annual cost
£8,597
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.56%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£699 and 240 payments of £936.
The total amount payable would be £267,624 made up of
the loan amount plus interest (£141,580) and fees (£1,044). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 75%: Fixed to 31/08/29
Max LTV 75%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.56%
then 8.74% (variable)
Monthly repayments
£699
Scheme fees
£999
Annual cost
£8,588
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.56%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£699 and 240 payments of £970.
The total amount payable would be £275,739 made up of
the loan amount plus interest (£149,740) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Max LTV 85%: Fixed to 31/05/29
Max LTV 85%:
Fixed to 31/05/29
Fixed to 31/05/29
Initial rate
4.56%
then 7.75% (variable)
Monthly repayments
£699
Scheme fees
£200
Annual cost
£8,429
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.56%
and then on a variable rate of 7.75% for the remaining 20 years
would require 60 payments of
£699 and 240 payments of £902.
The total amount payable would be £258,620 made up of
the loan amount plus interest (£133,420) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Max LTV 60%: Fixed to 31/08/29
Max LTV 60%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.57%
then 8.74% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,397
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.57%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£699 and 240 payments of £970.
The total amount payable would be £274,740 made up of
the loan amount plus interest (£149,740) and fees (£0). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Max LTV 60%: Fixed to 02/09/27
Max LTV 60%:
Fixed to 02/09/27
Fixed to 02/09/27
Initial rate
4.57%
then 7.50% (variable)
Monthly repayments
£700
Scheme fees
£1,048
Annual cost
£8,747
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 02/09/27
Other info
Exit fee £225
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 3 years at 4.57%
and then on a variable rate of 7.50% for the remaining 22 years
would require 36 payments of
£699 and 264 payments of £901.
The total amount payable would be £264,076 made up of
the loan amount plus interest (£138,028) and fees (£1,048). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Max LTV 60%: Fixed for 3 years
Max LTV 60%:
Fixed for 3 years
Fixed for 3 years
Initial rate
4.59%
then 6.99% (variable)
Monthly repayments
£701
Scheme fees
£490
Annual cost
£8,578
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 3 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 3 years at 4.59%
and then on a variable rate of 6.99% for the remaining 22 years
would require 36 payments of
£701 and 264 payments of £864.
The total amount payable would be £253,822 made up of
the loan amount plus interest (£128,332) and fees (£490). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Max LTV 75%: Fixed to 31/08/29
Max LTV 75%:
Fixed to 31/08/29
Fixed to 31/08/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.59%
and then on a variable rate of 8.74% for the remaining 20 years
would require 60 payments of
£701 and 240 payments of £971.
The total amount payable would be £276,099 made up of
the loan amount plus interest (£150,100) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Max LTV 75%: Fixed for 5 years
Max LTV 75%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.59%
then 7.99% (variable)
Monthly repayments
£701
Scheme fees
£798
Annual cost
£8,574
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.59%
and then on a variable rate of 7.99% for the remaining 20 years
would require 60 payments of
£701 and 240 payments of £919.
The total amount payable would be £263,418 made up of
the loan amount plus interest (£137,620) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Max LTV 80%: Fixed to 30/04/29
Max LTV 80%:
Fixed to 30/04/29
Fixed to 30/04/29
Initial rate
4.59%
then 8.09% (variable)
Monthly repayments
£701
Scheme fees
£798
Annual cost
£8,574
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10%
Early Repayment Charge:
5% reducing to 2% until 30/04/29
Other info
Exit fee £100
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.59%
and then on a variable rate of 8.09% for the remaining 20 years
would require 60 payments of
£701 and 240 payments of £926.
The total amount payable would be £265,098 made up of
the loan amount plus interest (£139,300) and fees (£798). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Max LTV 80%: Fixed for 5 years
Max LTV 80%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.59%
then 8.39% (variable)
Monthly repayments
£701
Scheme fees
£1,613
Annual cost
£8,737
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £315
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £100
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.59%
and then on a variable rate of 8.39% for the remaining 20 years
would require 60 payments of
£701 and 240 payments of £946.
The total amount payable would be £270,713 made up of
the loan amount plus interest (£144,100) and fees (£1,613). The overall cost for comparison is 7.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
Max LTV 80%: Fixed to 30/06/27
Max LTV 80%:
Fixed to 30/06/27
Fixed to 30/06/27
Initial rate
4.59%
then 8.10% (variable)
Monthly repayments
£701
Scheme fees
£1,043
Annual cost
£8,762
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £245
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/06/27
Other info
Exit fee £130
Estimated legals
£299
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 3 years at 4.59%
and then on a variable rate of 8.10% for the remaining 22 years
would require 36 payments of
£701 and 264 payments of £945.
The total amount payable would be £275,759 made up of
the loan amount plus interest (£149,716) and fees (£1,043). The overall cost for comparison is 7.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Max LTV 60%: Fixed to 31/07/27
Max LTV 60%:
Fixed to 31/07/27
Fixed to 31/07/27
Initial rate
4.60%
then 8.12% (variable)
Monthly repayments
£702
Scheme fees
£749
Annual cost
£8,672
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:
3% reducing to 1% until 31/07/27
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 3 years at 4.60%
and then on a variable rate of 8.12% for the remaining 22 years
would require 36 payments of
£701 and 264 payments of £947.
The total amount payable would be £275,993 made up of
the loan amount plus interest (£150,244) and fees (£749). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Max LTV 75%: Fixed to 31/07/29
Max LTV 75%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.60%
then 8.12% (variable)
Monthly repayments
£702
Scheme fees
£749
Annual cost
£8,573
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/07/29
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 4.60%
and then on a variable rate of 8.12% for the remaining 20 years
would require 60 payments of
£701 and 240 payments of £928.
The total amount payable would be £265,529 made up of
the loan amount plus interest (£139,780) 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
?
Max LTV 60%: Fixed to 31/07/27
Max LTV 60%:
Fixed to 31/07/27
Fixed to 31/07/27
Initial rate
4.60%
then 6.99% (variable)
Monthly repayments
£702
Scheme fees
£999
Annual cost
£8,756
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/07/27
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 3 years at 4.60%
and then on a variable rate of 6.99% for the remaining 22 years
would require 36 payments of
£701 and 264 payments of £864.
The total amount payable would be £254,331 made up of
the loan amount plus interest (£128,332) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Max LTV 90%: Fixed to 31/05/29
Max LTV 90%:
Fixed to 31/05/29
Fixed to 31/05/29
Initial rate
4.61%
then 7.75% (variable)
Monthly repayments
£703
Scheme fees
£200
Annual cost
£8,471
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.61%
and then on a variable rate of 7.75% for the remaining 20 years
would require 60 payments of
£702 and 240 payments of £903.
The total amount payable would be £259,040 made up of
the loan amount plus interest (£133,840) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Max LTV 75%: Fixed for 5 years
Max LTV 75%:
Fixed for 5 years
Fixed for 5 years
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£0
Annual cost
£8,449
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.63%
and then on a variable rate of 6.99% for the remaining 20 years
would require 60 payments of
£704 and 240 payments of £852.
The total amount payable would be £246,720 made up of
the loan amount plus interest (£121,720) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Max LTV 75%: Fixed to 31/07/27
Max LTV 75%:
Fixed to 31/07/27
Fixed to 31/07/27
Initial rate
4.64%
then 8.24% (variable)
Monthly repayments
£705
Scheme fees
£1,495
Annual cost
£8,955
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 31/07/27
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 4.64%
and then on a variable rate of 8.24% for the remaining 22 years
would require 36 payments of
£704 and 264 payments of £956.
The total amount payable would be £279,223 made up of
the loan amount plus interest (£152,728) and fees (£1,495). The overall cost for comparison is 7.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
Max LTV 75%: Fixed to 31/07/29
Max LTV 75%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.64%
then 8.24% (variable)
Monthly repayments
£705
Scheme fees
£245
Annual cost
£8,506
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 31/07/29
Other info
Exit fee £90
Estimated legals
£0
Representative example
A mortgage of £125,000 payable over 25 years,
initially
on a fixed rate for 5 years at 4.64%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£704 and 240 payments of £937.
The total amount payable would be £267,365 made up of
the loan amount plus interest (£142,120) and fees (£245). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
Max LTV 60%: Fixed for 3 years
Max LTV 60%:
Fixed for 3 years
Fixed for 3 years
Initial rate
4.64%
then 7.99% (variable)
Monthly repayments
£705
Scheme fees
£798
Annual cost
£8,723
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 4.64%
and then on a variable rate of 7.99% for the remaining 22 years
would require 36 payments of
£704 and 264 payments of £938.
The total amount payable would be £273,774 made up of
the loan amount plus interest (£147,976) and fees (£798). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Max LTV 60%: Fixed to 31/07/29
Max LTV 60%:
Fixed to 31/07/29
Fixed to 31/07/29
Initial rate
4.64%
then 8.12% (variable)
Monthly repayments
£705
Scheme fees
-£250
Annual cost
£8,407
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/07/29
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 4.64%
and then on a variable rate of 8.12% for the remaining 20 years
would require 60 payments of
£704 and 240 payments of £928.
The total amount payable would be £264,710 made up of
the loan amount plus interest (£139,960) and fees (-£250). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Max LTV 75%: Fixed to 30/06/29
Load more
Max LTV 75%:
Fixed to 30/06/29
Fixed to 30/06/29
Initial rate
4.64%
then 8.24% (variable)
Monthly repayments
£705
Scheme fees
£999
Annual cost
£8,657
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 30/06/29
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 4.64%
and then on a variable rate of 8.24% for the remaining 20 years
would require 60 payments of
£704 and 240 payments of £937.
The total amount payable would be £268,119 made up of
the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
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Find out more about how L&C Mortgages can help
L&C is the largest fee free mortgage broker and will provide you with:
- Expert advice across the market
- Understanding if you'll qualify before you apply
- Support through the whole mortgage process
What you'll get when you call:
-
Dedicated Mortgage Adviser + Case Manager
-
Advice on the phone when you want it
-
Decision in Principle Certificate
As experts in new build property mortgages, L&C will calculate your eligibility for any Government schemes and with lenders across the market. L&C will liaise between Barratt London and the lender to ensure the finance is ready when you need it.
Whether you're a first time buyer looking for a foot on the property ladder or a homeowner in a chain, L&C can guide you through your mortgage choices.
And best of all, the entire service won't cost you a penny.
Word of mouth
I did not qualify for the Help to Buy scheme earlier when it was 20%, but L&C proactively contacted when the update of the 40% Help to Buy option occurred. L&C helped me get a mortgage very smoothly, within a short timescale and with transparency
At L&C we put the customer first – that’s why Barratt London is proud to recommend us to give you the best mortgage advice.
An expert’s guide to buying your first home
L&C's mortgage expert, David Hollingworth, provides tips on getting a mortgage to buy a home.
What you need to know about buying a home
Whether you're taking your first steps on to the property ladder or moving up to the next rung, mortgages can be daunting. Don't worry, L&C's expert advisers are here every step of the way to help you get the best mortgage deal. Here are some handy links to explore, to help get you ready.
Talk to an L&C expert mortgage adviser to see how much you could borrow
Arrange a callbackArrange an appointment to view your chosen Barratt London Development
L&C annual cost
Comparing mortgages isn’t easy. Sometimes deals look attractive because they have a low initial rate, but you also need to take into account any fees that come with the mortgage deal. We recommend annual cost as the best way to see which mortgage deal offers the best value for the size of mortgage you’re looking to take.
This is how we calculate the annual cost:
- We add up all the fees associated with the mortgage deal and deduct any cash back to find total fees
- We then divide the total fees by the number of months the initial mortgage rate lasts to find the total fees per month
- We add the total fees per month to your monthly mortgage payment and multiply by 12 to calculate the annual cost
By comparing mortgage deals looking at annual cost you can see which one would be cheapest for you taking into account fees as well as the interest rate. The annual cost only applies to the initial deal as its always best to consider switching once the initial deal is over to see if you could save money.
APRC stands for Annual Percentage Rate of Charge. It shows you the total cost of a mortgage, including fees, over the entire term of the loan.
Who is lending the money and what sort of mortgage is it.
The rate you will pay at the start of your mortgage.
Your monthly payment when your mortgage starts, based on the loan amount you entered.
The total of the lender's booking, arrangement and valuation fees.
The annualised cost of this mortgage.
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.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
The Mortgage Service is provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath, BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages.
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