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Barclays
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.39%
then 8.74% (variable)
Monthly repayments
£687
Scheme fees
£899
Annual cost
£8,424
Fees and charges
Booking fee £0
Arrangement fee £899
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 31/03/34
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 4.39% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £687 and 240 payments of £968. The total amount payable would be £274,439 made up of the loan amount plus interest (£148,540) and fees (£899). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.41%
then 8.74% (variable)
Monthly repayments
£688
Scheme fees
£1,099
Annual cost
£8,481
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.41% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £688 and 240 payments of £968. The total amount payable would be £274,699 made up of the loan amount plus interest (£148,600) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/02/29
Initial rate
4.42%
then 9.49% (variable)
Monthly repayments
£689
Scheme fees
£1,009
Annual cost
£8,471
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.42% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £689 and 240 payments of £1,021. The total amount payable would be £287,389 made up of the loan amount plus interest (£161,380) and fees (£1,009). The overall cost for comparison is 7.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.43%
then 7.99% (variable)
Monthly repayments
£690
Scheme fees
£999
Annual cost
£8,478
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% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £689 and 240 payments of £916. The total amount payable would be £262,179 made up of the loan amount plus interest (£136,180) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.47%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,611
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
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 4.47% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £692 and 240 payments of £934. The total amount payable would be £267,175 made up of the loan amount plus interest (£140,680) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.49%
then 7.99% (variable)
Monthly repayments
£694
Scheme fees
£499
Annual cost
£8,429
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
Basic legals Payable
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 £262,219 made up of the loan amount plus interest (£136,720) and fees (£499). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.51%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£1,099
Annual cost
£8,566
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
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 8.74% for the remaining 20 years would require 60 payments of £695 and 240 payments of £969. The total amount payable would be £275,359 made up of the loan amount plus interest (£149,260) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.52%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£100
Annual cost
£8,375
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £696 and 240 payments of £970. The total amount payable would be £274,660 made up of the loan amount plus interest (£149,560) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.52%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£995
Annual cost
£8,554
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
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 4.52% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,155 made up of the loan amount plus interest (£141,160) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Virgin Money
Max LTV 75%:
Fixed to 01/02/29
Initial rate
4.52%
then 9.49% (variable)
Monthly repayments
£696
Scheme fees
£1,009
Annual cost
£8,556
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £696 and 240 payments of £1,023. The total amount payable would be £288,289 made up of the loan amount plus interest (£162,280) and fees (£1,009). The overall cost for comparison is 7.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.53%
then 7.99% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
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% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £696 and 240 payments of £918. The total amount payable would be £263,079 made up of the loan amount plus interest (£137,080) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.53%
then 8.74% (variable)
Monthly repayments
£697
Scheme fees
£1,099
Annual cost
£8,583
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £696 and 240 payments of £970. The total amount payable would be £275,659 made up of the loan amount plus interest (£149,560) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.53%
then 8.74% (variable)
Monthly repayments
£697
Scheme fees
£899
Annual cost
£8,543
Fees and charges
Booking fee £0
Arrangement fee £899
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 31/03/34
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 4.53% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £696 and 240 payments of £970. The total amount payable would be £275,459 made up of the loan amount plus interest (£149,560) and fees (£899). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/02/29
Initial rate
4.54%
then 9.49% (variable)
Monthly repayments
£698
Scheme fees
-£86
Annual cost
£8,354
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Basic legals Payable
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 £287,254 made up of the loan amount plus interest (£162,340) and fees (-£86). The overall cost for comparison is 7.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.54%
then 7.99% (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% for 5 years
Other info
Exit fee £65
Basic legals Payable
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 7.99% for the remaining 20 years would require 60 payments of £697 and 240 payments of £918. The total amount payable would be £262,140 made up of the loan amount plus interest (£137,140) and fees (£0). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Lloyds
Max LTV 60%:
Fixed to 28/02/29
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 28/02/29
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 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 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.57%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£1,495
Annual cost
£8,696
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
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 4.57% 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 £268,075 made up of the loan amount plus interest (£141,580) 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
?
Nationwide
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.58%
then 7.99% (variable)
Monthly repayments
£700
Scheme fees
£499
Annual cost
£8,506
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
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £919. The total amount payable would be £263,059 made up of the loan amount plus interest (£137,560) and fees (£499). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
HSBC
Max LTV 60%:
Fixed to 28/02/29
First time buyer only
Initial rate
4.59%
then 6.99% (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 28/02/29
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 4.59% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £701 and 240 payments of £852. The total amount payable would be £247,539 made up of the loan amount plus interest (£121,540) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£1,495
Annual cost
£8,713
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 28/02/29
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £268,195 made up of the loan amount plus interest (£141,700) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.61%
then 8.74% (variable)
Monthly repayments
£703
Scheme fees
£1,099
Annual cost
£8,651
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
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 8.74% for the remaining 20 years would require 60 payments of £702 and 240 payments of £971. The total amount payable would be £276,259 made up of the loan amount plus interest (£150,160) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.62%
then 8.74% (variable)
Monthly repayments
£703
Scheme fees
£100
Annual cost
£8,460
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £703 and 240 payments of £971. The total amount payable would be £275,320 made up of the loan amount plus interest (£150,220) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.62%
then 8.24% (variable)
Monthly repayments
£703
Scheme fees
£995
Annual cost
£8,639
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
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 4.62% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £703 and 240 payments of £936. The total amount payable would be £267,815 made up of the loan amount plus interest (£141,820) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.63%
then 8.74% (variable)
Monthly repayments
£704
Scheme fees
£1,099
Annual cost
£8,668
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
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 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £971. The total amount payable would be £276,379 made up of the loan amount plus interest (£150,280) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Santander
Max LTV 60%:
Fixed to 02/04/29
Initial rate
4.64%
then 7.50% (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 1% until 02/04/29
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 4.64% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £704 and 240 payments of £886. The total amount payable would be £255,879 made up of the loan amount plus interest (£129,880) 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
?
TSB
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.64%
then 8.74% (variable)
Monthly repayments
£705
Scheme fees
£995
Annual cost
£8,656
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 31/03/29
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 4.64% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £276,515 made up of the loan amount plus interest (£150,520) and fees (£995). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.64%
then 7.99% (variable)
Monthly repayments
£705
Scheme fees
£0
Annual cost
£8,457
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 £65
Basic legals Payable
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 7.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £920. The total amount payable would be £263,040 made up of the loan amount plus interest (£138,040) and fees (£0). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.64%
then 8.24% (variable)
Monthly repayments
£705
Scheme fees
£0
Annual cost
£8,457
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
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 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 £267,120 made up of the loan amount plus interest (£142,120) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Virgin Money
Max LTV 75%:
Fixed to 01/02/29
Initial rate
4.64%
then 9.49% (variable)
Monthly repayments
£705
Scheme fees
-£86
Annual cost
£8,440
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Basic legals Payable
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 9.49% for the remaining 20 years would require 60 payments of £704 and 240 payments of £1,025. The total amount payable would be £288,154 made up of the loan amount plus interest (£163,240) and fees (-£86). The overall cost for comparison is 7.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.64%
then 8.74% (variable)
Monthly repayments
£705
Scheme fees
£100
Annual cost
£8,477
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
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 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £275,620 made up of the loan amount plus interest (£150,520) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Lloyds
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.66%
then 8.74% (variable)
Monthly repayments
£706
Scheme fees
£999
Annual cost
£8,674
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 28/02/29
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 4.66% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £706 and 240 payments of £972. The total amount payable would be £276,639 made up of the loan amount plus interest (£150,640) 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
?
Natwest
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.67%
then 8.24% (variable)
Monthly repayments
£707
Scheme fees
£745
Annual cost
£8,632
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/03/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £706 and 240 payments of £937. The total amount payable would be £267,985 made up of the loan amount plus interest (£142,240) and fees (£745). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Lloyds
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£0
Annual cost
£8,483
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £706 and 240 payments of £972. The total amount payable would be £275,640 made up of the loan amount plus interest (£150,640) 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
?
Coventry
Max LTV 65%:
Fixed to 30/06/29
Initial rate
4.67%
then 7.49% (variable)
Monthly repayments
£707
Scheme fees
£0
Annual cost
£8,483
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 30/06/29
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 4.67% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £706 and 240 payments of £886. The total amount payable would be £255,000 made up of the loan amount plus interest (£130,000) and fees (£0). The overall cost for comparison is 6.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Halifax
Max LTV 80%:
Fixed to 31/03/29
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£1,099
Annual cost
£8,703
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £706 and 240 payments of £972. The total amount payable would be £276,739 made up of the loan amount plus interest (£150,640) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Nationwide
Max LTV 60%:
Fixed for 10 years
Initial rate
4.69%
then 7.99% (variable)
Monthly repayments
£708
Scheme fees
£999
Annual cost
£8,600
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:
7% reducing to 1.5% for 10 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.69% and then on a variable rate of 7.99% for the remaining 15 years would require 120 payments of £708 and 180 payments of £873. The total amount payable would be £243,099 made up of the loan amount plus interest (£117,100) and fees (£999). The overall cost for comparison is 5.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.9% APRC
?
Nationwide
Max LTV 75%:
Fixed for 10 years
Initial rate
4.69%
then 7.99% (variable)
Monthly repayments
£708
Scheme fees
£999
Annual cost
£8,600
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:
7% reducing to 1.5% for 10 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.69% and then on a variable rate of 7.99% for the remaining 15 years would require 120 payments of £708 and 180 payments of £873. The total amount payable would be £243,099 made up of the loan amount plus interest (£117,100) and fees (£999). The overall cost for comparison is 5.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.9% APRC
?
Bank of Ireland
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.69%
then 8.04% (variable)
Monthly repayments
£708
Scheme fees
£1,495
Annual cost
£8,799
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £708 and 240 payments of £924. The total amount payable would be £265,735 made up of the loan amount plus interest (£139,240) and fees (£1,495). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Bank of Ireland
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.69%
then 8.04% (variable)
Monthly repayments
£708
Scheme fees
£995
Annual cost
£8,699
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 28/02/29
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £708 and 240 payments of £924. The total amount payable would be £265,235 made up of the loan amount plus interest (£139,240) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Virgin Money
Max LTV 85%:
Fixed to 01/02/29
Initial rate
4.69%
then 9.49% (variable)
Monthly repayments
£708
Scheme fees
£1,009
Annual cost
£8,702
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £214
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/02/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £708 and 240 payments of £1,026. The total amount payable would be £289,729 made up of the loan amount plus interest (£163,720) and fees (£1,009). The overall cost for comparison is 7.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.69%
then 8.24% (variable)
Monthly repayments
£708
Scheme fees
£245
Annual cost
£8,549
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 28/02/29
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £708 and 240 payments of £938. The total amount payable would be £267,845 made up of the loan amount plus interest (£142,600) and fees (£245). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
HSBC
Max LTV 70%:
Fixed to 28/02/29
First time buyer only
Initial rate
4.69%
then 6.99% (variable)
Monthly repayments
£708
Scheme fees
£999
Annual cost
£8,700
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 28/02/29
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 4.69% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £708 and 240 payments of £853. The total amount payable would be £248,199 made up of the loan amount plus interest (£122,200) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
HSBC
Max LTV 75%:
Fixed to 28/02/29
First time buyer only
Initial rate
4.69%
then 6.99% (variable)
Monthly repayments
£708
Scheme fees
£999
Annual cost
£8,700
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 28/02/29
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 4.69% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £708 and 240 payments of £853. The total amount payable would be £248,199 made up of the loan amount plus interest (£122,200) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.70%
then 7.99% (variable)
Monthly repayments
£709
Scheme fees
-£500
Annual cost
£8,409
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
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.70% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £709 and 240 payments of £920. The total amount payable would be £262,840 made up of the loan amount plus interest (£138,340) and fees (-£500). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.70%
then 8.74% (variable)
Monthly repayments
£709
Scheme fees
£0
Annual cost
£8,509
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% until 31/03/34
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 4.70% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £709 and 240 payments of £973. The total amount payable would be £276,060 made up of the loan amount plus interest (£151,060) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.71%
then 8.74% (variable)
Monthly repayments
£710
Scheme fees
£1,099
Annual cost
£8,737
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.71% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £709 and 240 payments of £973. The total amount payable would be £277,159 made up of the loan amount plus interest (£151,060) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Nationwide
Max LTV 80%:
Fixed for 5 years
Initial rate
4.71%
then 7.99% (variable)
Monthly repayments
£710
Scheme fees
£999
Annual cost
£8,717
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% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.71% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £709 and 240 payments of £921. The total amount payable would be £264,579 made up of the loan amount plus interest (£138,580) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Nationwide
Max LTV 85%:
Fixed for 5 years
Initial rate
4.71%
then 7.99% (variable)
Monthly repayments
£710
Scheme fees
£999
Annual cost
£8,717
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% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.71% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £709 and 240 payments of £921. The total amount payable would be £264,579 made up of the loan amount plus interest (£138,580) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Nationwide
Max LTV 60%:
Fixed for 10 years
First time buyer only
Initial rate
4.72%
then 7.99% (variable)
Monthly repayments
£710
Scheme fees
£499
Annual cost
£8,576
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:
7% reducing to 1.5% for 10 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.72% and then on a variable rate of 7.99% for the remaining 15 years would require 120 payments of £710 and 180 payments of £874. The total amount payable would be £243,019 made up of the loan amount plus interest (£117,520) and fees (£499). The overall cost for comparison is 5.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.72%
then 8.74% (variable)
Monthly repayments
£710
Scheme fees
£100
Annual cost
£8,546
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/29
Other info
Exit fee £295
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.72% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £710 and 240 payments of £973. The total amount payable would be £276,220 made up of the loan amount plus interest (£151,120) and fees (£100). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
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