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Mortgages

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?
Newcastle
Max LTV 80%:
2.46% discount to 31/08/24
Initial rate
1.50%
then 3.96% (variable)
Monthly repayments
£500
Scheme fees
£1,289
Annual cost
£6,644
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.50% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £499 and 276 payments of £644. The total amount payable would be £191,009 made up of the loan amount plus interest (£64,720) and fees (£1,289). The overall cost for comparison is 3.6% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.6% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£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
?
Newcastle
Max LTV 85%:
2.36% discount to 31/08/24
Initial rate
1.60%
then 3.96% (variable)
Monthly repayments
£506
Scheme fees
£1,289
Annual cost
£6,714
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.60% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £505 and 276 payments of £645. The total amount payable would be £191,429 made up of the loan amount plus interest (£65,140) and fees (£1,289). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Monmouthshire BS
Max LTV 80%:
3.35% discount for 2 years
Initial rate
1.64%
then 4.99% (variable)
Monthly repayments
£508
Scheme fees
£1,409
Annual cost
£6,803
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 1.64% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £508 and 276 payments of £712. The total amount payable would be £210,113 made up of the loan amount plus interest (£83,704) and fees (£1,409). The overall cost for comparison is 4.5% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 31/07/24
Initial rate
1.74%
then 4.74% (variable)
Monthly repayments
£514
Scheme fees
£995
Annual cost
£6,667
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 31/07/24
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 1.74% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £514 and 276 payments of £696. The total amount payable would be £205,427 made up of the loan amount plus interest (£79,432) 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
1.75%
then 4.49% (variable)
Monthly repayments
£515
Scheme fees
£999
Annual cost
£6,676
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 1.75% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £514 and 276 payments of £679. The total amount payable would be £200,739 made up of the loan amount plus interest (£74,740) 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
?
Skipton
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.79%
then 4.89% (variable)
Monthly repayments
£517
Scheme fees
£995
Annual cost
£6,703
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.79% and then on a variable rate of 4.89% for the remaining 23 years would require 24 payments of £517 and 276 payments of £706. The total amount payable would be £208,259 made up of the loan amount plus interest (£82,264) and fees (£995). The overall cost for comparison is 4.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.1% APRC
?
HSBC
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.79%
then 4.04% (variable)
Monthly repayments
£517
Scheme fees
£999
Annual cost
£6,705
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 1.79% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £517 and 276 payments of £651. The total amount payable would be £193,083 made up of the loan amount plus interest (£67,084) 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
?
Newcastle
Max LTV 90%:
2.16% discount to 31/08/24
Initial rate
1.80%
then 3.96% (variable)
Monthly repayments
£518
Scheme fees
£1,289
Annual cost
£6,857
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £290
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.80% and then on a variable rate of 3.96% for the remaining 23 years would require 24 payments of £517 and 276 payments of £646. The total amount payable would be £191,993 made up of the loan amount plus interest (£65,704) and fees (£1,289). The overall cost for comparison is 3.7% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Beverley BS
Max LTV 80%:
3.17% discount for 2 years
Initial rate
1.82%
then 4.99% (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 4.99% for the remaining 23 years would require 24 payments of £518 and 276 payments of £713. The total amount payable would be £210,550 made up of the loan amount plus interest (£84,220) 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
?
Beverley BS
Max LTV 80%:
3.17% discount for 2 years
Initial rate
1.82%
then 4.99% (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 4.99% for the remaining 23 years would require 24 payments of £518 and 276 payments of £713. The total amount payable would be £210,550 made up of the loan amount plus interest (£84,220) 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
?
Vernon
Max LTV 75%:
3.51% discount for 2 years
Initial rate
1.84%
then 5.35% (variable)
Monthly repayments
£520
Scheme fees
£0
Annual cost
£6,242
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 1.84% and then on a variable rate of 5.35% for the remaining 23 years would require 24 payments of £520 and 276 payments of £737. The total amount payable would be £215,892 made up of the loan amount plus interest (£90,892) 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 31/07/24
Initial rate
1.84%
then 4.74% (variable)
Monthly repayments
£520
Scheme fees
£995
Annual cost
£6,739
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 31/07/24
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 1.84% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £520 and 276 payments of £696. The total amount payable would be £205,571 made up of the loan amount plus interest (£79,576) 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
?
Principality
Max LTV 65%:
2.80% discount to 30/09/24
Initial rate
1.85%
then 4.65% (variable)
Monthly repayments
£521
Scheme fees
£0
Annual cost
£6,249
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
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 1.85% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £520 and 276 payments of £690. The total amount payable would be £202,920 made up of the loan amount plus interest (£77,920) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Yorkshire BS
Max LTV 85%:
Base +0.89% to 31/07/24
Initial rate
1.89%
then 4.74% (variable)
Monthly repayments
£523
Scheme fees
£995
Annual cost
£6,775
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 31/07/24
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 1.89% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £523 and 276 payments of £697. The total amount payable would be £205,919 made up of the loan amount plus interest (£79,924) 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
?
Vernon
Max LTV 80%:
3.41% discount for 3 years
Initial rate
1.94%
then 5.35% (variable)
Monthly repayments
£526
Scheme fees
£0
Annual cost
£6,314
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 1.94% and then on a variable rate of 5.35% for the remaining 22 years would require 36 payments of £526 and 264 payments of £729. The total amount payable would be £211,392 made up of the loan amount plus interest (£86,392) 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
1.94%
then 5.35% (variable)
Monthly repayments
£526
Scheme fees
£0
Annual cost
£6,314
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 1.94% and then on a variable rate of 5.35% for the remaining 23 years would require 24 payments of £526 and 276 payments of £738. The total amount payable would be £216,312 made up of the loan amount plus interest (£91,312) 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
?
Nationwide
Max LTV 60%:
Base +0.94% for 2 years
Initial rate
1.94%
then 3.99% (variable)
Monthly repayments
£526
Scheme fees
£999
Annual cost
£6,814
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 1.94% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £526 and 276 payments of £648. The total amount payable would be £192,471 made up of the loan amount plus interest (£66,472) 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
?
Barclays
Max LTV 75%:
Base +0.95% for 2 years
Initial rate
1.95%
then 4.49% (variable)
Monthly repayments
£527
Scheme fees
£999
Annual cost
£6,821
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 1.95% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £526 and 276 payments of £681. The total amount payable would be £201,579 made up of the loan amount plus interest (£75,580) 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
?
Principality
Max LTV 75%:
2.70% discount to 30/09/24
Initial rate
1.95%
then 4.65% (variable)
Monthly repayments
£527
Scheme fees
£0
Annual cost
£6,321
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
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 1.95% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £526 and 276 payments of £691. The total amount payable would be £203,340 made up of the loan amount plus interest (£78,340) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.99%
then 3.99% (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 £65
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 3.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £649. The total amount payable would be £192,819 made up of the loan amount plus interest (£66,820) 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
?
Tipton & Coseley
Max LTV 75%:
3.35% discount for 2 years
Initial rate
1.99%
then 5.34% (variable)
Monthly repayments
£529
Scheme fees
£1,274
Annual cost
£6,988
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 1.99% and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £529 and 276 payments of £737. The total amount payable would be £217,382 made up of the loan amount plus interest (£91,108) 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
?
Beverley BS
Max LTV 65%:
3.00% discount for 3 years
Initial rate
1.99%
then 4.99% (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 4.99% for the remaining 22 years would require 36 payments of £529 and 264 payments of £706. The total amount payable would be £206,758 made up of the loan amount plus interest (£80,428) 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
?
Beverley BS
Max LTV 65%:
3.00% discount for 3 years
Initial rate
1.99%
then 4.99% (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 4.99% for the remaining 22 years would require 36 payments of £529 and 264 payments of £706. The total amount payable would be £206,758 made up of the loan amount plus interest (£80,428) 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
1.99%
then 4.04% (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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £529 and 276 payments of £652. The total amount payable would be £193,647 made up of the loan amount plus interest (£67,648) 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
1.99%
then 4.04% (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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £529 and 276 payments of £652. The total amount payable would be £193,647 made up of the loan amount plus interest (£67,648) 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
?
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
?
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
?
Vernon
Max LTV 80%:
3.31% discount for 5 years
Initial rate
2.04%
then 5.35% (variable)
Monthly repayments
£532
Scheme fees
£0
Annual cost
£6,387
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 2.04% and then on a variable rate of 5.35% for the remaining 20 years would require 60 payments of £532 and 240 payments of £712. The total amount payable would be £202,800 made up of the loan amount plus interest (£77,800) 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
?
Nationwide
Max LTV 60%:
Base +1.04% for 2 years
Initial rate
2.04%
then 3.99% (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 £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.04% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £532 and 276 payments of £649. The total amount payable would be £192,891 made up of the loan amount plus interest (£66,892) 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
?
Principality
Max LTV 80%:
2.60% discount to 30/09/24
Initial rate
2.05%
then 4.65% (variable)
Monthly repayments
£533
Scheme fees
£0
Annual cost
£6,394
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
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 2.05% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £532 and 276 payments of £692. The total amount payable would be £203,760 made up of the loan amount plus interest (£78,760) 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
?
Nationwide
Max LTV 75%:
Base +1.09% for 2 years
Initial rate
2.09%
then 3.99% (variable)
Monthly repayments
£535
Scheme fees
£999
Annual cost
£6,923
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 2.09% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £535 and 276 payments of £649. The total amount payable would be £192,963 made up of the loan amount plus interest (£66,964) 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
?
Mansfield
Max LTV 80%:
3.46% discount for 2 years
Initial rate
2.14%
then 5.60% (variable)
Monthly repayments
£538
Scheme fees
£499
Annual cost
£6,710
Fees and charges
Booking fee £199
Arrangement fee £300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
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 5.60% for the remaining 23 years would require 24 payments of £538 and 276 payments of £756. The total amount payable would be £222,067 made up of the loan amount plus interest (£96,568) and fees (£499). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
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
?
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
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.15%
then 4.99% (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 4.99% for the remaining 22 years would require 36 payments of £538 and 264 payments of £707. The total amount payable would be £207,346 made up of the loan amount plus interest (£81,016) 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
?
Beverley BS
Max LTV 80%:
2.84% discount for 3 years
Initial rate
2.15%
then 4.99% (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 4.99% for the remaining 22 years would require 36 payments of £538 and 264 payments of £707. The total amount payable would be £207,346 made up of the loan amount plus interest (£81,016) 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
?
Principality
Max LTV 85%:
2.48% discount to 30/09/24
Initial rate
2.17%
then 4.65% (variable)
Monthly repayments
£540
Scheme fees
£0
Annual cost
£6,483
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:
1% until 30/09/24
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 2.17% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £540 and 276 payments of £692. The total amount payable would be £203,952 made up of the loan amount plus interest (£78,952) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Loughborough
Max LTV 80%:
3.15% discount for 2 years
Initial rate
2.19%
then 5.34% (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 £120
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 5.34% for the remaining 23 years would require 24 payments of £541 and 276 payments of £739. The total amount payable would be £216,948 made up of the loan amount plus interest (£91,948) 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
?
Coventry
Max LTV 75%:
Base +1.20% to 31/10/24
Initial rate
2.20%
then 4.64% (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 £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.20% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £542 and 276 payments of £692. The total amount payable would be £204,999 made up of the loan amount plus interest (£79,000) 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
?
Barclays
Max LTV 75%:
Base +1.22% for 2 years
Initial rate
2.22%
then 4.49% (variable)
Monthly repayments
£543
Scheme fees
£1,749
Annual cost
£7,394
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 2.22% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £543 and 276 payments of £682. The total amount payable would be £203,013 made up of the loan amount plus interest (£76,264) 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
2.24%
then 3.99% (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 3.99% for the remaining 23 years would require 24 payments of £544 and 276 payments of £650. The total amount payable would be £193,455 made up of the loan amount plus interest (£67,456) 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
?
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
?
Yorkshire BS
Max LTV 90%:
Base +1.24% to 31/07/24
Initial rate
2.24%
then 4.74% (variable)
Monthly repayments
£545
Scheme fees
£995
Annual cost
£7,032
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 31/07/24
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 2.24% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £544 and 276 payments of £699. The total amount payable would be £206,975 made up of the loan amount plus interest (£80,980) 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
2.25%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£1,749
Annual cost
£6,892
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 2.25% and then on a variable rate of 4.49% for the remaining 20 years would require 60 payments of £545 and 240 payments of £665. The total amount payable would be £194,049 made up of the loan amount plus interest (£67,300) 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
?
Principality
Max LTV 90%:
2.40% discount to 30/09/24
Initial rate
2.25%
then 4.65% (variable)
Monthly repayments
£545
Scheme fees
£0
Annual cost
£6,542
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
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 2.25% and then on a variable rate of 4.65% for the remaining 23 years would require 24 payments of £545 and 276 payments of £693. The total amount payable would be £204,348 made up of the loan amount plus interest (£79,348) and fees (£0). The overall cost for comparison is 4.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
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