Call free on 0800 953 6015

Fee free mortgage advice for your new build property

We've teamed up with L&C Mortgages, the UK's leading fee free mortgage broker, to offer you expert advice on the right mortgage deal for your new build property. Whether you're buying a new home, or buying an investment property, L&C can help – and you'll pay no fee for their expert advice. What’s more, they have excellent experience of helping those taking advantage of the Government’s Help to Buy scheme.

Reasons to use L&C

  • Fee free advice on the right mortgage for you
  • They’ll compare 1,000s of deals so you don’t have to
  • Experience helping those opting for the Government's Help to Buy scheme
  • Simple, hassle-free service
  • Fully-qualified advisers available 7 days a week
  • Opening Hours: Mon-Thur 9-8 , Fri & Sat 9-6, Sun 10-4
  • Unique online tracking tool
Call L&C's expert
advisers now
Call free from mobile or landline
Arrange a callback
or
Start your
mortgage online
Find the deals you qualify for &
how much you could borrow

£
£
£
Filters
Types of mortgage
Product period
Other features
Update
Matching mortgages
Try sorting by Annual Cost
?
Halifax
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,199
Annual cost
£6,445
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £184,007 made up of the loan amount plus interest (£57,808) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.33%
then 3.59% (variable)
Monthly repayments
£490
Scheme fees
£993
Annual cost
£6,377
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.33% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,873 made up of the loan amount plus interest (£57,880) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/23
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
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% until 31/01/23
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,879 made up of the loan amount plus interest (£57,880) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/01/23
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£749
Annual cost
£6,261
Fees and charges
Booking fee £0
Arrangement fee £749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/01/23
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,629 made up of the loan amount plus interest (£57,880) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
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 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.36%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£1,199
Annual cost
£6,301
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.36% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £491 and 264 payments of £614. The total amount payable would be £180,971 made up of the loan amount plus interest (£54,772) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.38%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£1,199
Annual cost
£6,514
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.38% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £492 and 276 payments of £620. The total amount payable would be £184,127 made up of the loan amount plus interest (£57,928) and fees (£1,199). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.38%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£993
Annual cost
£6,411
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.38% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £492 and 276 payments of £620. The total amount payable would be £183,921 made up of the loan amount plus interest (£57,928) and fees (£993). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,419
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £493 and 276 payments of £620. The total amount payable would be £183,947 made up of the loan amount plus interest (£57,952) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.44%
then 3.54% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,157
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 31/12/25
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.44% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £496 and 240 payments of £602. The total amount payable would be £175,239 made up of the loan amount plus interest (£49,240) and fees (£999). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.46%
then 3.59% (variable)
Monthly repayments
£498
Scheme fees
£1,199
Annual cost
£6,371
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.46% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £497 and 264 payments of £615. The total amount payable would be £181,451 made up of the loan amount plus interest (£55,252) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£1,199
Annual cost
£6,585
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,547 made up of the loan amount plus interest (£58,348) and fees (£1,199). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Coventry
Max LTV 65%:
Fixed to 31/12/22
Initial rate
1.49%
then 4.49% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 31/12/22
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £499 and 276 payments of £678. The total amount payable would be £200,103 made up of the loan amount plus interest (£74,104) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.50%
then 4.74% (variable)
Monthly repayments
£500
Scheme fees
£909
Annual cost
£6,454
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £204,429 made up of the loan amount plus interest (£78,520) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.50%
then 3.59% (variable)
Monthly repayments
£500
Scheme fees
£993
Annual cost
£6,198
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.50% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £499 and 240 payments of £605. The total amount payable would be £176,133 made up of the loan amount plus interest (£50,140) and fees (£993). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Cumberland
Max LTV 60%:
2.58% discount for 2 years
Initial rate
1.51%
then 4.09% (variable)
Monthly repayments
£501
Scheme fees
£999
Annual cost
£6,506
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% reducing to 0.5% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.51% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £500 and 276 payments of £652. The total amount payable would be £192,951 made up of the loan amount plus interest (£66,952) 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 55%:
Fixed to 31/01/26
Initial rate
1.52%
then 3.59% (variable)
Monthly repayments
£501
Scheme fees
£749
Annual cost
£6,163
Fees and charges
Booking fee £0
Arrangement fee £749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/01/26
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.52% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £501 and 240 payments of £605. The total amount payable would be £176,009 made up of the loan amount plus interest (£50,260) and fees (£749). The overall cost for comparison is 3.0% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.0% 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
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
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 £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). 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
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
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 £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.55%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£993
Annual cost
£6,233
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.55% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £502 and 240 payments of £606. The total amount payable would be £176,553 made up of the loan amount plus interest (£50,560) and fees (£993). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£1,199
Annual cost
£6,441
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.56% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £503 and 264 payments of £616. The total amount payable would be £181,931 made up of the loan amount plus interest (£55,732) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£200
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £621. The total amount payable would be £183,668 made up of the loan amount plus interest (£58,468) and fees (£200). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Platform
Max LTV 60%:
Fixed to 31/01/26
Initial rate
1.58%
then 4.34% (variable)
Monthly repayments
£505
Scheme fees
£1,249
Annual cost
£6,305
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/01/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.58% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £504 and 240 payments of £647. The total amount payable would be £186,769 made up of the loan amount plus interest (£60,520) and fees (£1,249). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 28/02/26
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,262
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/26
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.59% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £505 and 240 payments of £606. The total amount payable would be £176,735 made up of the loan amount plus interest (£50,740) and fees (£995). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Coventry
Max LTV 65%:
Fixed to 31/12/23
Initial rate
1.59%
then 4.49% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,396
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 31/12/22
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.59% and then on a variable rate of 4.49% for the remaining 22 years would require 36 payments of £505 and 264 payments of £671. The total amount payable would be £196,323 made up of the loan amount plus interest (£70,324) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£490
Annual cost
£6,308
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 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,178 made up of the loan amount plus interest (£57,688) and fees (£490). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/23
Initial rate
1.59%
then 3.35% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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% until 02/02/23
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £505 and 276 payments of £607. The total amount payable would be £180,651 made up of the loan amount plus interest (£54,652) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.59%
then 3.99% (variable)
Monthly repayments
£505
Scheme fees
£499
Annual cost
£6,312
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £505 and 276 payments of £646. The total amount payable would be £190,915 made up of the loan amount plus interest (£65,416) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Monmouthshire BS
Max LTV 75%:
Fixed for 2 years
Initial rate
1.60%
then 4.74% (variable)
Monthly repayments
£506
Scheme fees
£909
Annual cost
£6,524
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.60% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £505 and 276 payments of £695. The total amount payable would be £204,849 made up of the loan amount plus interest (£78,940) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Natwest
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.61%
then 3.59% (variable)
Monthly repayments
£506
Scheme fees
£993
Annual cost
£6,573
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.61% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £506 and 276 payments of £621. The total amount payable would be £184,533 made up of the loan amount plus interest (£58,540) and fees (£993). The overall cost for comparison is 3.4% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.61%
then 3.59% (variable)
Monthly repayments
£506
Scheme fees
£993
Annual cost
£6,573
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.61% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £506 and 276 payments of £621. The total amount payable would be £184,533 made up of the loan amount plus interest (£58,540) and fees (£993). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Cumberland
Max LTV 60%:
2.48% discount for 2 years
Initial rate
1.61%
then 4.09% (variable)
Monthly repayments
£506
Scheme fees
£999
Annual cost
£6,576
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 1 year
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.61% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £506 and 276 payments of £653. The total amount payable would be £193,371 made up of the loan amount plus interest (£67,372) 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
?
Santander
Max LTV 60%:
Fixed to 02/02/26
Initial rate
1.64%
then 3.35% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,298
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% until 02/02/26
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.64% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £508 and 240 payments of £594. The total amount payable would be £174,039 made up of the loan amount plus interest (£48,040) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/01/23
Initial rate
1.64%
then 4.64% (variable)
Monthly repayments
£508
Scheme fees
£995
Annual cost
£6,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/23
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.64% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £508 and 276 payments of £689. The total amount payable would be £203,351 made up of the loan amount plus interest (£77,356) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Monmouthshire BS
Max LTV 80%:
3.09% discount for 2 years
Initial rate
1.65%
then 4.74% (variable)
Monthly repayments
£509
Scheme fees
£909
Annual cost
£6,560
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.65% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £508 and 276 payments of £695. The total amount payable would be £204,921 made up of the loan amount plus interest (£79,012) and fees (£909). The overall cost for comparison is 4.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/26
Initial rate
1.65%
then 3.59% (variable)
Monthly repayments
£509
Scheme fees
£999
Annual cost
£6,305
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% until 31/01/26
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.65% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £508 and 240 payments of £607. The total amount payable would be £177,159 made up of the loan amount plus interest (£51,160) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Coventry
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.65%
then 4.49% (variable)
Monthly repayments
£509
Scheme fees
£999
Annual cost
£6,605
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 31/12/22
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.65% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £508 and 276 payments of £679. The total amount payable would be £200,595 made up of the loan amount plus interest (£74,596) and fees (£999). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Platform
Max LTV 60%:
Fixed to 31/01/26
Initial rate
1.66%
then 4.34% (variable)
Monthly repayments
£509
Scheme fees
£749
Annual cost
£6,262
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 31/01/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.66% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £509 and 240 payments of £648. The total amount payable would be £186,809 made up of the loan amount plus interest (£61,060) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/01/2023
Initial rate
1.66%
then 4.09% (variable)
Monthly repayments
£509
Scheme fees
£1,249
Annual cost
£6,737
Fees and charges
Booking fee £0
Arrangement fee £1,249
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 01/01/2023
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.66% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £509 and 276 payments of £653. The total amount payable would be £193,693 made up of the loan amount plus interest (£67,444) and fees (£1,249). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Natwest
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.66%
then 3.59% (variable)
Monthly repayments
£509
Scheme fees
£993
Annual cost
£6,609
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.66% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £509 and 276 payments of £622. The total amount payable would be £184,881 made up of the loan amount plus interest (£58,888) and fees (£993). The overall cost for comparison is 3.4% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.66%
then 3.59% (variable)
Monthly repayments
£509
Scheme fees
£993
Annual cost
£6,609
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £248
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.66% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £509 and 276 payments of £622. The total amount payable would be £184,881 made up of the loan amount plus interest (£58,888) and fees (£993). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Cumberland
Max LTV 75%:
2.43% discount for 2 years
Initial rate
1.66%
then 4.09% (variable)
Monthly repayments
£509
Scheme fees
£999
Annual cost
£6,612
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% reducing to 0.5% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.66% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £509 and 276 payments of £653. The total amount payable would be £193,443 made up of the loan amount plus interest (£67,444) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Barclays
Max LTV 60%:
Base +1.59% for 2 years
Initial rate
1.69%
then 3.59% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,633
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 £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.69% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £511 and 276 payments of £622. The total amount payable would be £184,935 made up of the loan amount plus interest (£58,936) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
First Direct
Max LTV 75%:
Fixed for 2 years
Initial rate
1.69%
then 3.54% (variable)
Monthly repayments
£511
Scheme fees
£490
Annual cost
£6,379
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 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £511 and 276 payments of £619. The total amount payable would be £183,598 made up of the loan amount plus interest (£58,108) and fees (£490). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Coventry
Max LTV 65%:
Fixed to 31/12/25
Initial rate
1.69%
then 4.49% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,334
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 31/12/25
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.69% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £511 and 240 payments of £657. The total amount payable would be £189,339 made up of the loan amount plus interest (£63,340) and fees (£999). The overall cost for comparison is 3.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
HSBC
Max LTV 60%:
Base +1.59% for 2 years
Initial rate
1.69%
then 3.54% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,633
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
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.69% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £511 and 276 payments of £619. The total amount payable would be £184,107 made up of the loan amount plus interest (£58,108) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 60%:
Base +1.62% for 2 years
Initial rate
1.72%
then 3.59% (variable)
Monthly repayments
£513
Scheme fees
£999
Annual cost
£6,655
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 £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.72% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £512 and 276 payments of £622. The total amount payable would be £184,959 made up of the loan amount plus interest (£58,960) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Barclays
Max LTV 75%:
Base +1.62% for 2 years
Initial rate
1.72%
then 3.59% (variable)
Monthly repayments
£513
Scheme fees
£1,749
Annual cost
£7,030
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.72% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £512 and 276 payments of £622. The total amount payable would be £185,709 made up of the loan amount plus interest (£58,960) and fees (£1,749). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Load more