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?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 29/02/24
Initial rate
0.84%
then 4.49% (variable)
Monthly repayments
£462
Scheme fees
£995
Annual cost
£6,043
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 29/02/24
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 0.84% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £462 and 276 payments of £674. The total amount payable would be £198,107 made up of the loan amount plus interest (£72,112) and fees (£995). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Nationwide
Max LTV 60%:
Base +0.74% for 2 years
Initial rate
0.84%
then 3.59% (variable)
Monthly repayments
£462
Scheme fees
£999
Annual cost
£6,045
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 0.84% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £462 and 276 payments of £617. The total amount payable would be £182,379 made up of the loan amount plus interest (£56,380) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
0.85%
then 4.64% (variable)
Monthly repayments
£463
Scheme fees
£995
Annual cost
£6,049
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 0.85% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £462 and 276 payments of £684. The total amount payable would be £200,867 made up of the loan amount plus interest (£74,872) and fees (£995). 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 60%:
Base +0.75% for 2 years
Initial rate
0.85%
then 3.59% (variable)
Monthly repayments
£463
Scheme fees
£999
Annual cost
£6,051
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 0.85% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £462 and 276 payments of £617. The total amount payable would be £182,379 made up of the loan amount plus interest (£56,380) 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
?
Nationwide
Max LTV 75%:
Base +0.79% for 2 years
Initial rate
0.89%
then 3.59% (variable)
Monthly repayments
£465
Scheme fees
£999
Annual cost
£6,078
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 0.89% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £464 and 276 payments of £617. The total amount payable would be £182,427 made up of the loan amount plus interest (£56,428) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 80%:
Base +0.84% for 2 years
Initial rate
0.94%
then 3.59% (variable)
Monthly repayments
£468
Scheme fees
£999
Annual cost
£6,112
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 0.94% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £467 and 276 payments of £618. The total amount payable would be £182,775 made up of the loan amount plus interest (£56,776) 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
?
Barclays
Max LTV 75%:
Base +0.85% for 2 years
Initial rate
0.95%
then 3.59% (variable)
Monthly repayments
£468
Scheme fees
£999
Annual cost
£6,119
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 0.95% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £468 and 276 payments of £618. The total amount payable would be £182,799 made up of the loan amount plus interest (£56,800) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Skipton
Max LTV 70%:
Base +0.85% for 2 years
Initial rate
0.95%
then 4.64% (variable)
Monthly repayments
£468
Scheme fees
£995
Annual cost
£6,117
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 0.95% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £468 and 276 payments of £684. The total amount payable would be £201,011 made up of the loan amount plus interest (£75,016) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Furness
Max LTV 60%:
4.15% discount for 2 years
Initial rate
0.99%
then 5.14% (variable)
Monthly repayments
£471
Scheme fees
£1,499
Annual cost
£6,396
Fees and charges
Booking fee £0
Arrangement fee £1,499
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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £470 and 276 payments of £717. The total amount payable would be £210,671 made up of the loan amount plus interest (£84,172) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Nationwide
Max LTV 85%:
Base +0.89% for 2 years
Initial rate
0.99%
then 3.59% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
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 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,847 made up of the loan amount plus interest (£56,848) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 60%:
Base +0.89% for 2 years
Initial rate
0.99%
then 3.59% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
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 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,847 made up of the loan amount plus interest (£56,848) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Accord
Max LTV 65%:
3.45% discount to 31/03/24
Initial rate
1.04%
then 4.49% (variable)
Monthly repayments
£473
Scheme fees
£495
Annual cost
£5,928
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% until 31/03/24
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 1.04% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £473 and 276 payments of £675. The total amount payable would be £198,147 made up of the loan amount plus interest (£72,652) and fees (£495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 60%:
Base +0.96% for 2 years
Initial rate
1.06%
then 3.59% (variable)
Monthly repayments
£474
Scheme fees
£0
Annual cost
£5,694
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% pa
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.06% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £474 and 276 payments of £618. The total amount payable would be £181,944 made up of the loan amount plus interest (£56,944) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Accord
Max LTV 75%:
3.40% discount to 31/03/24
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£495
Annual cost
£5,962
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% until 31/03/24
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 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,219 made up of the loan amount plus interest (£72,724) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.09%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
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 1.09% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,267 made up of the loan amount plus interest (£57,268) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Furness
Max LTV 60%:
4.05% discount for 2 years
Initial rate
1.09%
then 5.14% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 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 1.09% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £476 and 276 payments of £718. The total amount payable would be £210,591 made up of the loan amount plus interest (£84,592) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Furness
Max LTV 80%:
4.05% discount for 2 years
Initial rate
1.09%
then 5.14% (variable)
Monthly repayments
£476
Scheme fees
£1,499
Annual cost
£6,464
Fees and charges
Booking fee £0
Arrangement fee £1,499
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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £476 and 276 payments of £718. The total amount payable would be £211,091 made up of the loan amount plus interest (£84,592) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.10%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£1,095
Annual cost
£6,269
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.10% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,363 made up of the loan amount plus interest (£57,268) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 29/02/24
Initial rate
1.12%
then 4.49% (variable)
Monthly repayments
£478
Scheme fees
£1,495
Annual cost
£6,482
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:
2.5% reducing to 1.5% until 29/02/24
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 2 years at 1.12% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £477 and 276 payments of £676. The total amount payable would be £199,519 made up of the loan amount plus interest (£73,024) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/24
Initial rate
1.13%
then 3.35% (variable)
Monthly repayments
£478
Scheme fees
£999
Annual cost
£6,241
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.13% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £478 and 276 payments of £604. The total amount payable would be £179,175 made up of the loan amount plus interest (£53,176) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/01/24
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.14% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £479 and 276 payments of £616. The total amount payable would be £182,511 made up of the loan amount plus interest (£56,512) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Barclays
Max LTV 75%:
Base +1.08% for 2 years
Initial rate
1.18%
then 3.59% (variable)
Monthly repayments
£481
Scheme fees
£0
Annual cost
£5,776
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% pa
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.18% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £481 and 276 payments of £619. The total amount payable would be £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Furness
Max LTV 80%:
3.95% discount for 2 years
Initial rate
1.19%
then 5.14% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 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 1.19% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £481 and 276 payments of £719. The total amount payable would be £210,987 made up of the loan amount plus interest (£84,988) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Santander
Max LTV 75%:
Fixed to 02/02/24
Initial rate
1.19%
then 3.35% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £481 and 276 payments of £604. The total amount payable would be £179,247 made up of the loan amount plus interest (£53,248) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Furness
Max LTV 60%:
Fixed for 2 years
Initial rate
1.19%
then 5.14% (variable)
Monthly repayments
£482
Scheme fees
£1,499
Annual cost
£6,533
Fees and charges
Booking fee £0
Arrangement fee £1,499
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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £481 and 276 payments of £719. The total amount payable would be £211,487 made up of the loan amount plus interest (£84,988) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Yorkshire BS
Max LTV 80%:
Base +1.09% to 29/02/24
Initial rate
1.19%
then 4.49% (variable)
Monthly repayments
£482
Scheme fees
£995
Annual cost
£6,281
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 29/02/24
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 1.19% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £481 and 276 payments of £676. The total amount payable would be £199,115 made up of the loan amount plus interest (£73,120) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Nationwide
Max LTV 75%:
Base +1.09% for 2 years
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£0
Annual cost
£5,783
Fees and charges
Booking fee £0
Arrangement fee £0
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 1.19% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £481 and 276 payments of £619. The total amount payable would be £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Base +1.09% for 2 years
Initial rate
1.19%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£0
Annual cost
£5,783
Fees and charges
Booking fee £0
Arrangement fee £0
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 1.19% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £481 and 276 payments of £619. The total amount payable would be £182,388 made up of the loan amount plus interest (£57,388) and fees (£0). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.1% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£490
Annual cost
£6,062
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,122 made up of the loan amount plus interest (£56,632) and fees (£490). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% for 2 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 2 years at 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,459 made up of the loan amount plus interest (£57,460) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Fixed for 3 years
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,150
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 0.75% for 3 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 3 years at 1.24% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £484 and 264 payments of £614. The total amount payable would be £180,519 made up of the loan amount plus interest (£54,520) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Nationwide
Max LTV 80%:
Base +1.14% for 2 years
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£0
Annual cost
£5,817
Fees and charges
Booking fee £0
Arrangement fee £0
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 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £182,460 made up of the loan amount plus interest (£57,460) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/01/24
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,631 made up of the loan amount plus interest (£56,632) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/01/24
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,631 made up of the loan amount plus interest (£56,632) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 75%:
Fixed to 29/02/24
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£1,095
Annual cost
£6,365
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,555 made up of the loan amount plus interest (£57,460) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Accord
Max LTV 80%:
3.25% discount to 31/03/24
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£495
Annual cost
£6,065
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% until 31/03/24
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 1.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £198,687 made up of the loan amount plus interest (£73,192) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.26%
then 3.59% (variable)
Monthly repayments
£486
Scheme fees
£999
Annual cost
£6,331
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 29/02/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.26% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £485 and 276 payments of £620. The total amount payable would be £183,759 made up of the loan amount plus interest (£57,760) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/24
Initial rate
1.29%
then 3.35% (variable)
Monthly repayments
£488
Scheme fees
£0
Annual cost
£5,852
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% until 02/02/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £487 and 276 payments of £605. The total amount payable would be £178,668 made up of the loan amount plus interest (£53,668) and fees (£0). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Nationwide
Max LTV 85%:
Base +1.19% for 2 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£0
Annual cost
£5,852
Fees and charges
Booking fee £0
Arrangement fee £0
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 1.29% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £182,808 made up of the loan amount plus interest (£57,808) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Furness
Max LTV 60%:
Fixed for 2 years
Initial rate
1.29%
then 5.14% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £487 and 276 payments of £719. The total amount payable would be £211,131 made up of the loan amount plus interest (£85,132) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Furness
Max LTV 70%:
Fixed for 2 years
Initial rate
1.29%
then 5.14% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £487 and 276 payments of £719. The total amount payable would be £211,131 made up of the loan amount plus interest (£85,132) and fees (£999). The overall cost for comparison is 4.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Nationwide
Max LTV 75%:
Fixed for 2 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% for 2 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 2 years at 1.29% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 75%:
Fixed for 3 years
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,185
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 0.75% for 3 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 3 years at 1.29% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £487 and 264 payments of £614. The total amount payable would be £180,627 made up of the loan amount plus interest (£54,628) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Leeds
Max LTV 65%:
Fixed to 29/02/24
Initial rate
1.30%
then 5.29% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,359
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 29/02/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.30% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £488 and 276 payments of £730. The total amount payable would be £214,191 made up of the loan amount plus interest (£88,192) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.30%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£1,095
Annual cost
£6,407
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.30% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £488 and 276 payments of £620. The total amount payable would be £183,927 made up of the loan amount plus interest (£57,832) and fees (£1,095). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Halifax
Max LTV 60%:
Fixed to 28/02/27
Initial rate
1.31%
then 3.59% (variable)
Monthly repayments
£489
Scheme fees
£1,095
Annual cost
£6,085
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 28/02/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.31% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £488 and 240 payments of £603. The total amount payable would be £175,095 made up of the loan amount plus interest (£49,000) and fees (£1,095). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Furness
Max LTV 80%:
Fixed for 2 years
Initial rate
1.33%
then 5.14% (variable)
Monthly repayments
£490
Scheme fees
£749
Annual cost
£6,255
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 fixed rate for 2 years at 1.33% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £490 and 276 payments of £720. The total amount payable would be £211,229 made up of the loan amount plus interest (£85,480) and fees (£749). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Yorkshire BS
Max LTV 80%:
Fixed to 29/02/24
Initial rate
1.33%
then 4.49% (variable)
Monthly repayments
£490
Scheme fees
£1,495
Annual cost
£6,628
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:
2.5% reducing to 1.5% until 29/02/24
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 2 years at 1.33% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £490 and 276 payments of £677. The total amount payable would be £200,107 made up of the loan amount plus interest (£73,612) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
First Direct
Max LTV 75%:
Fixed for 2 years
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£490
Annual cost
£6,132
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £182,542 made up of the loan amount plus interest (£57,052) and fees (£490). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/27
Initial rate
1.34%
then 3.35% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,087
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 02/02/27
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.34% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £490 and 240 payments of £590. The total amount payable would be £171,999 made up of the loan amount plus interest (£46,000) and fees (£999). The overall cost for comparison is 2.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.5% APRC
?
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