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?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 5.24% (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 5.24% for the remaining 23 years would require 24 payments of £501 and 276 payments of £728. The total amount payable would be £215,182 made up of the loan amount plus interest (£87,952) 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
?
Furness
Max LTV 80%:
4.20% discount for 2 years
Initial rate
1.69%
then 5.89% (variable)
Monthly repayments
£511
Scheme fees
£749
Annual cost
£6,508
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% 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 variable rate for 2 years at 1.69% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £511 and 276 payments of £773. The total amount payable would be £226,361 made up of the loan amount plus interest (£100,612) and fees (£749). The overall cost for comparison is 5.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.77%
then 5.24% (variable)
Monthly repayments
£516
Scheme fees
£2,230
Annual cost
£7,306
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 1.77% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £515 and 276 payments of £729. The total amount payable would be £215,794 made up of the loan amount plus interest (£88,564) 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 80%:
3.17% discount for 2 years
Initial rate
1.82%
then 5.24% (variable)
Monthly repayments
£519
Scheme fees
£1,330
Annual cost
£6,892
Fees and charges
Booking fee £0
Arrangement fee £995
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 1.82% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £518 and 276 payments of £730. The total amount payable would be £215,242 made up of the loan amount plus interest (£88,912) and fees (£1,330). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 3 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£600
Annual cost
£6,442
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.84% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £520 and 264 payments of £649. The total amount payable would be £190,656 made up of the loan amount plus interest (£65,056) and fees (£600). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 5 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£600
Annual cost
£6,362
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 1.84% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £520 and 240 payments of £637. The total amount payable would be £184,680 made up of the loan amount plus interest (£59,080) and fees (£600). The overall cost for comparison is 2.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Beverley BS
Max LTV 65%:
3.00% discount for 3 years
Initial rate
1.99%
then 5.24% (variable)
Monthly repayments
£529
Scheme fees
£1,330
Annual cost
£6,794
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 1.99% and then on a variable rate of 5.24% for the remaining 22 years would require 36 payments of £529 and 264 payments of £722. The total amount payable would be £210,982 made up of the loan amount plus interest (£84,652) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
West Brom
Max LTV 75%:
2.60% discount to 31/08/24
Initial rate
1.99%
then 4.59% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £529 and 276 payments of £687. The total amount payable would be £203,307 made up of the loan amount plus interest (£77,308) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
West Brom
Max LTV 60%:
2.60% discount to 31/08/24
Initial rate
1.99%
then 4.59% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £529 and 276 payments of £687. The total amount payable would be £203,307 made up of the loan amount plus interest (£77,308) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 30/09/24
Initial rate
1.99%
then 4.99% (variable)
Monthly repayments
£529
Scheme fees
£995
Annual cost
£6,848
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:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £714. The total amount payable would be £210,755 made up of the loan amount plus interest (£84,760) and fees (£995). 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 +0.75% for 2 years
Initial rate
2.00%
then 4.74% (variable)
Monthly repayments
£530
Scheme fees
£999
Annual cost
£6,857
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 2.00% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £529 and 276 payments of £697. The total amount payable would be £206,067 made up of the loan amount plus interest (£80,068) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Suffolk BS
Max LTV 80%:
3.54% discount for 2 years
Initial rate
2.00%
then 5.54% (variable)
Monthly repayments
£530
Scheme fees
£879
Annual cost
£6,797
Fees and charges
Booking fee £199
Arrangement fee £500
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
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 2.00% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £529 and 276 payments of £751. The total amount payable would be £220,851 made up of the loan amount plus interest (£94,972) and fees (£879). The overall cost for comparison is 4.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
HSBC
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
2.04%
then 4.04% (variable)
Monthly repayments
£532
Scheme fees
£999
Annual cost
£6,887
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 2.04% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £532 and 276 payments of £652. The total amount payable would be £193,719 made up of the loan amount plus interest (£67,720) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Furness
Max LTV 90%:
3.85% discount for 2 years
Initial rate
2.04%
then 5.89% (variable)
Monthly repayments
£532
Scheme fees
-£250
Annual cost
£6,262
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:
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 variable rate for 2 years at 2.04% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £532 and 276 payments of £776. The total amount payable would be £226,694 made up of the loan amount plus interest (£101,944) and fees (-£250). The overall cost for comparison is 5.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Beverley BS
Max LTV 80%:
3.17% discount for 2 years
Initial rate
2.07%
then 5.24% (variable)
Monthly repayments
£534
Scheme fees
£1,330
Annual cost
£7,074
Fees and charges
Booking fee £0
Arrangement fee £995
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 2.07% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £534 and 276 payments of £731. The total amount payable would be £215,902 made up of the loan amount plus interest (£89,572) and fees (£1,330). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Vernon
Max LTV 75%:
3.51% discount for 2 years
Initial rate
2.09%
then 5.60% (variable)
Monthly repayments
£535
Scheme fees
£0
Annual cost
£6,424
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £535 and 276 payments of £756. The total amount payable would be £221,496 made up of the loan amount plus interest (£96,496) and fees (£0). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Yorkshire BS
Max LTV 80%:
Base +0.84% to 30/09/24
Initial rate
2.09%
then 4.99% (variable)
Monthly repayments
£535
Scheme fees
£995
Annual cost
£6,921
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:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £535 and 276 payments of £714. The total amount payable would be £210,899 made up of the loan amount plus interest (£84,904) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Yorkshire BS
Max LTV 85%:
Base +0.89% to 30/09/24
Initial rate
2.14%
then 4.99% (variable)
Monthly repayments
£538
Scheme fees
£995
Annual cost
£6,958
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:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £538 and 276 payments of £715. The total amount payable would be £211,247 made up of the loan amount plus interest (£85,252) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
West Brom
Max LTV 80%:
2.45% discount to 31/08/24
Initial rate
2.14%
then 4.59% (variable)
Monthly repayments
£538
Scheme fees
£999
Annual cost
£6,960
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 £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £538 and 276 payments of £688. The total amount payable would be £203,799 made up of the loan amount plus interest (£77,800) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Newbury
Max LTV 85%:
1.96% discount for 5 years
Initial rate
2.14%
then 4.10% (variable)
Monthly repayments
£538
Scheme fees
£600
Annual cost
£6,581
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.14% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £538 and 240 payments of £642. The total amount payable would be £186,960 made up of the loan amount plus interest (£61,360) and fees (£600). The overall cost for comparison is 3.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.15%
then 5.24% (variable)
Monthly repayments
£539
Scheme fees
£1,330
Annual cost
£6,911
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 2.15% and then on a variable rate of 5.24% for the remaining 22 years would require 36 payments of £538 and 264 payments of £723. The total amount payable would be £211,570 made up of the loan amount plus interest (£85,240) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Nationwide
Max LTV 60%:
Base +0.94% for 2 years
Initial rate
2.19%
then 4.49% (variable)
Monthly repayments
£541
Scheme fees
£999
Annual cost
£6,997
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £541 and 276 payments of £682. The total amount payable would be £202,215 made up of the loan amount plus interest (£76,216) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 3 years
Initial rate
2.19%
then 5.60% (variable)
Monthly repayments
£541
Scheme fees
£0
Annual cost
£6,498
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 3 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.19% and then on a variable rate of 5.60% for the remaining 22 years would require 36 payments of £541 and 264 payments of £747. The total amount payable would be £216,684 made up of the loan amount plus interest (£91,684) and fees (£0). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 2 years
Initial rate
2.19%
then 5.60% (variable)
Monthly repayments
£541
Scheme fees
£0
Annual cost
£6,498
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £541 and 276 payments of £756. The total amount payable would be £221,640 made up of the loan amount plus interest (£96,640) and fees (£0). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Barclays
Max LTV 75%:
Base +0.95% for 2 years
Initial rate
2.20%
then 4.74% (variable)
Monthly repayments
£542
Scheme fees
£999
Annual cost
£7,004
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 2.20% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £542 and 276 payments of £698. The total amount payable would be £206,655 made up of the loan amount plus interest (£80,656) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Leek United
Max LTV 75%:
3.45% discount for 2 years
Initial rate
2.24%
then 5.69% (variable)
Monthly repayments
£545
Scheme fees
£495
Annual cost
£6,782
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £544 and 276 payments of £763. The total amount payable would be £224,139 made up of the loan amount plus interest (£98,644) and fees (£495). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £544 and 276 payments of £682. The total amount payable would be £202,287 made up of the loan amount plus interest (£76,288) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.0% APRC
?
Beverley BS
Max LTV 65%:
3.00% discount for 3 years
Initial rate
2.24%
then 5.24% (variable)
Monthly repayments
£545
Scheme fees
£1,330
Annual cost
£6,978
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 2.24% and then on a variable rate of 5.24% for the remaining 22 years would require 36 payments of £544 and 264 payments of £724. The total amount payable would be £212,050 made up of the loan amount plus interest (£85,720) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
HSBC
Max LTV 70%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.04% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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 2.24% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £544 and 276 payments of £653. The total amount payable would be £194,283 made up of the loan amount plus interest (£68,284) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
HSBC
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.04% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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 2.24% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £544 and 276 payments of £653. The total amount payable would be £194,283 made up of the loan amount plus interest (£68,284) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Vernon
Max LTV 80%:
3.31% discount for 5 years
Initial rate
2.29%
then 5.60% (variable)
Monthly repayments
£548
Scheme fees
£0
Annual cost
£6,572
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% for 5 years
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.29% and then on a variable rate of 5.60% for the remaining 20 years would require 60 payments of £547 and 240 payments of £730. The total amount payable would be £208,020 made up of the loan amount plus interest (£83,020) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Tipton & Coseley
Max LTV 75%:
3.35% discount for 2 years
Initial rate
2.29%
then 5.64% (variable)
Monthly repayments
£548
Scheme fees
£1,274
Annual cost
£7,209
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £275
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £547 and 276 payments of £760. The total amount payable would be £224,162 made up of the loan amount plus interest (£97,888) and fees (£1,274). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Nationwide
Max LTV 60%:
Base +1.04% for 2 years
Initial rate
2.29%
then 4.49% (variable)
Monthly repayments
£548
Scheme fees
£999
Annual cost
£7,071
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £547 and 276 payments of £682. The total amount payable would be £202,359 made up of the loan amount plus interest (£76,360) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Leek United
Max LTV 85%:
3.39% discount for 2 years
Initial rate
2.30%
then 5.69% (variable)
Monthly repayments
£548
Scheme fees
-£400
Annual cost
£6,379
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.30% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £548 and 276 payments of £763. The total amount payable would be £223,340 made up of the loan amount plus interest (£98,740) and fees (-£400). The overall cost for comparison is 4.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Nationwide
Max LTV 75%:
Base +1.09% for 2 years
Initial rate
2.34%
then 4.49% (variable)
Monthly repayments
£551
Scheme fees
£999
Annual cost
£7,109
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £550 and 276 payments of £683. The total amount payable would be £202,707 made up of the loan amount plus interest (£76,708) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
West Brom
Max LTV 85%:
2.25% discount to 31/08/24
Initial rate
2.34%
then 4.59% (variable)
Monthly repayments
£551
Scheme fees
£999
Annual cost
£7,109
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £550 and 276 payments of £689. The total amount payable would be £204,363 made up of the loan amount plus interest (£78,364) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Monmouthshire BS
Max LTV 95%:
2.64% discount for 2 years
Initial rate
2.35%
then 4.99% (variable)
Monthly repayments
£551
Scheme fees
£1,409
Annual cost
£7,321
Fees and charges
Booking fee £150
Arrangement fee £999
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 2.35% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £551 and 276 payments of £716. The total amount payable would be £212,249 made up of the loan amount plus interest (£85,840) and fees (£1,409). The overall cost for comparison is 4.7% APRC representative.
Max LTV 95% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Suffolk BS
Max LTV 90%:
3.19% discount for 2 years
Initial rate
2.35%
then 5.54% (variable)
Monthly repayments
£551
Scheme fees
£1,378
Annual cost
£7,306
Fees and charges
Booking fee £199
Arrangement fee £999
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% 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 variable rate for 2 years at 2.35% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £551 and 276 payments of £753. The total amount payable would be £222,430 made up of the loan amount plus interest (£96,052) and fees (£1,378). The overall cost for comparison is 4.8% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Stafford Railway
Max LTV 80%:
0.96% discount for 2 years
Initial rate
2.39%
then 3.35% (variable)
Monthly repayments
£554
Scheme fees
£880
Annual cost
£7,086
Fees and charges
Booking fee £0
Arrangement fee £625
Valuation fee £255
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% 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 variable rate for 2 years at 2.39% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £553 and 276 payments of £611. The total amount payable would be £182,788 made up of the loan amount plus interest (£56,908) and fees (£880). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.40%
then 5.24% (variable)
Monthly repayments
£555
Scheme fees
£1,330
Annual cost
£7,097
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 3 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 3 years at 2.40% and then on a variable rate of 5.24% for the remaining 22 years would require 36 payments of £554 and 264 payments of £726. The total amount payable would be £212,938 made up of the loan amount plus interest (£86,608) and fees (£1,330). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Leek United
Max LTV 90%:
3.14% discount for 2 years
Initial rate
2.45%
then 5.69% (variable)
Monthly repayments
£558
Scheme fees
-£400
Annual cost
£6,492
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.45% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £557 and 276 payments of £764. The total amount payable would be £223,832 made up of the loan amount plus interest (£99,232) and fees (-£400). The overall cost for comparison is 4.9% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Suffolk BS
Max LTV 80%:
3.09% discount for 2 years
Initial rate
2.45%
then 5.54% (variable)
Monthly repayments
£558
Scheme fees
£1,378
Annual cost
£7,381
Fees and charges
Booking fee £199
Arrangement fee £999
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
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 2.45% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £557 and 276 payments of £754. The total amount payable would be £222,850 made up of the loan amount plus interest (£96,472) and fees (£1,378). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Barclays
Max LTV 75%:
Base +1.22% for 2 years
Initial rate
2.47%
then 4.74% (variable)
Monthly repayments
£559
Scheme fees
£1,749
Annual cost
£7,581
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 2.47% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £558 and 276 payments of £700. The total amount payable would be £208,341 made up of the loan amount plus interest (£81,592) and fees (£1,749). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Nationwide
Max LTV 80%:
Base +1.24% for 2 years
Initial rate
2.49%
then 4.49% (variable)
Monthly repayments
£560
Scheme fees
£999
Annual cost
£7,221
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.49% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £560 and 276 payments of £684. The total amount payable would be £203,223 made up of the loan amount plus interest (£77,224) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Yorkshire BS
Max LTV 90%:
Base +1.24% to 30/09/24
Initial rate
2.49%
then 4.99% (variable)
Monthly repayments
£560
Scheme fees
£995
Annual cost
£7,219
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:
1% until 30/09/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.49% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £560 and 276 payments of £717. The total amount payable would be £212,327 made up of the loan amount plus interest (£86,332) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Barclays
Max LTV 75%:
Base +1.25% for 5 years
Initial rate
2.50%
then 4.74% (variable)
Monthly repayments
£561
Scheme fees
£1,749
Annual cost
£7,079
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 5 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 5 years at 2.50% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £560 and 240 payments of £683. The total amount payable would be £199,269 made up of the loan amount plus interest (£72,520) and fees (£1,749). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Mansfield
Max LTV 80%:
3.46% discount for 2 years
Initial rate
2.53%
then 5.99% (variable)
Monthly repayments
£563
Scheme fees
£499
Annual cost
£7,001
Fees and charges
Booking fee £199
Arrangement fee £300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.53% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £562 and 276 payments of £786. The total amount payable would be £230,923 made up of the loan amount plus interest (£105,424) and fees (£499). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Barclays
Max LTV 80%:
Base +1.29% for 2 years
Initial rate
2.54%
then 4.74% (variable)
Monthly repayments
£563
Scheme fees
£999
Annual cost
£7,259
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 2.54% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £563 and 276 payments of £700. The total amount payable would be £207,711 made up of the loan amount plus interest (£81,712) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 85%:
Base +1.29% for 2 years
Initial rate
2.54%
then 4.49% (variable)
Monthly repayments
£563
Scheme fees
£999
Annual cost
£7,259
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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.54% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £563 and 276 payments of £684. The total amount payable would be £203,295 made up of the loan amount plus interest (£77,296) and fees (£999). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Cambridge BS
Max LTV 75%:
Fixed for 2 years
Initial rate
2.54%
then 5.29% (variable)
Monthly repayments
£563
Scheme fees
£199
Annual cost
£6,859
Fees and charges
Booking fee £199
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £60
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.54% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £563 and 276 payments of £737. The total amount payable would be £217,123 made up of the loan amount plus interest (£91,924) and fees (£199). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
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