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?
Allied Irish Bank
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.09%
then 7.75% (variable)
Monthly repayments
£666
Scheme fees
£200
Annual cost
£8,032
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.09% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £666 and 240 payments of £895. The total amount payable would be £254,960 made up of the loan amount plus interest (£129,760) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.19%
then 8.24% (variable)
Monthly repayments
£673
Scheme fees
£1,495
Annual cost
£8,375
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 31/08/29
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 4.19% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £672 and 240 payments of £930. The total amount payable would be £265,015 made up of the loan amount plus interest (£138,520) 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
?
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.22%
then 7.50% (variable)
Monthly repayments
£675
Scheme fees
£999
Annual cost
£8,301
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 02/09/29
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 4.22% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £675 and 240 payments of £880. The total amount payable would be £252,699 made up of the loan amount plus interest (£126,700) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.24%
then 7.99% (variable)
Monthly repayments
£676
Scheme fees
£999
Annual cost
£8,317
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:
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 4.24% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £676 and 240 payments of £913. The total amount payable would be £260,679 made up of the loan amount plus interest (£134,680) 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 31/08/29
Initial rate
4.24%
then 8.24% (variable)
Monthly repayments
£676
Scheme fees
£995
Annual cost
£8,317
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 31/08/29
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 4.24% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £676 and 240 payments of £930. The total amount payable would be £264,755 made up of the loan amount plus interest (£138,760) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.29%
then 7.74% (variable)
Monthly repayments
£680
Scheme fees
£995
Annual cost
£8,359
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 30/06/29
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 4.29% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £679 and 240 payments of £897. The total amount payable would be £257,015 made up of the loan amount plus interest (£131,020) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Allied Irish Bank
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.29%
then 7.75% (variable)
Monthly repayments
£680
Scheme fees
£200
Annual cost
£8,200
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.29% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £679 and 240 payments of £898. The total amount payable would be £256,460 made up of the loan amount plus interest (£131,260) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.31%
then 8.74% (variable)
Monthly repayments
£681
Scheme fees
£1,099
Annual cost
£8,396
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 30/06/29
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 4.31% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £681 and 240 payments of £966. The total amount payable would be £273,799 made up of the loan amount plus interest (£147,700) 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
?
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.31%
then 6.99% (variable)
Monthly repayments
£681
Scheme fees
£490
Annual cost
£8,275
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 5 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 5 years at 4.31% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £681 and 240 payments of £848. The total amount payable would be £244,870 made up of the loan amount plus interest (£119,380) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.33%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
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 01/07/29
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 4.33% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £682 and 240 payments of £932. The total amount payable would be £265,599 made up of the loan amount plus interest (£139,600) and fees (£999). 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
4.34%
then 7.99% (variable)
Monthly repayments
£683
Scheme fees
£499
Annual cost
£8,302
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 4.34% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £915. The total amount payable would be £261,079 made up of the loan amount plus interest (£135,580) 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 30/06/29
Initial rate
4.36%
then 8.74% (variable)
Monthly repayments
£685
Scheme fees
£1,099
Annual cost
£8,438
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 30/06/29
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 4.36% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £684 and 240 payments of £967. The total amount payable would be £274,219 made up of the loan amount plus interest (£148,120) 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
?
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.37%
then 8.24% (variable)
Monthly repayments
£686
Scheme fees
£1,495
Annual cost
£8,526
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 31/08/29
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 4.37% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £685 and 240 payments of £933. The total amount payable would be £266,515 made up of the loan amount plus interest (£140,020) 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
?
Allied Irish Bank
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.40%
then 7.75% (variable)
Monthly repayments
£688
Scheme fees
£200
Annual cost
£8,293
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.40% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £687 and 240 payments of £900. The total amount payable would be £257,420 made up of the loan amount plus interest (£132,220) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.40%
then 7.99% (variable)
Monthly repayments
£688
Scheme fees
£999
Annual cost
£8,452
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 4.40% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £687 and 240 payments of £916. The total amount payable would be £262,059 made up of the loan amount plus interest (£136,060) 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
?
Santander
Max LTV 75%:
Fixed to 02/09/29
Initial rate
4.41%
then 7.50% (variable)
Monthly repayments
£688
Scheme fees
£999
Annual cost
£8,461
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 02/09/29
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 4.41% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £688 and 240 payments of £883. The total amount payable would be £254,199 made up of the loan amount plus interest (£128,200) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.42%
then 8.74% (variable)
Monthly repayments
£689
Scheme fees
£100
Annual cost
£8,290
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 30/06/29
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 4.42% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £689 and 240 payments of £968. The total amount payable would be £273,760 made up of the loan amount plus interest (£148,660) 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 75%:
Fixed to 31/08/29
Initial rate
4.42%
then 8.24% (variable)
Monthly repayments
£689
Scheme fees
£995
Annual cost
£8,469
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 31/08/29
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 4.42% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £689 and 240 payments of £933. The total amount payable would be £266,255 made up of the loan amount plus interest (£140,260) 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
?
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.43%
then 8.12% (variable)
Monthly repayments
£690
Scheme fees
£749
Annual cost
£8,428
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
TSB
Max LTV 75%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.44%
then 7.74% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,485
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 30/06/29
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 4.44% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £690 and 240 payments of £899. The total amount payable would be £258,155 made up of the loan amount plus interest (£132,160) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.44%
then 6.99% (variable)
Monthly repayments
£691
Scheme fees
£0
Annual cost
£8,286
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 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 5 years at 4.44% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £690 and 240 payments of £849. The total amount payable would be £245,160 made up of the loan amount plus interest (£120,160) and fees (£0). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.44%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£1,495
Annual cost
£8,585
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 31/07/29
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 4.44% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £690 and 240 payments of £934. The total amount payable would be £267,055 made up of the loan amount plus interest (£140,560) 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
?
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.45%
then 7.50% (variable)
Monthly repayments
£691
Scheme fees
£0
Annual cost
£8,295
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 02/09/29
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 4.45% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £691 and 240 payments of £883. The total amount payable would be £253,380 made up of the loan amount plus interest (£128,380) and fees (£0). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
First Direct
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.46%
then 6.99% (variable)
Monthly repayments
£692
Scheme fees
£490
Annual cost
£8,402
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 5 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 5 years at 4.46% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £691 and 240 payments of £850. The total amount payable would be £245,950 made up of the loan amount plus interest (£120,460) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.46%
then 8.24% (variable)
Monthly repayments
£692
Scheme fees
£0
Annual cost
£8,304
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 31/08/29
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 4.46% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £691 and 240 payments of £934. The total amount payable would be £265,620 made up of the loan amount plus interest (£140,620) 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
?
Natwest
Max LTV 80%:
Fixed to 31/08/29
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 31/08/29
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 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Barclays
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£899
Annual cost
£8,492
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:
4% until 30/06/29
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 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,979 made up of the loan amount plus interest (£149,080) 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
?
Nationwide
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.47%
then 7.99% (variable)
Monthly repayments
£693
Scheme fees
£499
Annual cost
£8,412
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 4.47% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £692 and 240 payments of £917. The total amount payable would be £262,099 made up of the loan amount plus interest (£136,600) 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
?
Cumberland
Max LTV 75%:
Fixed to 01/07/29
Initial rate
4.47%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,512
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 01/07/29
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 4.47% 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 £266,679 made up of the loan amount plus interest (£140,680) and fees (£999). 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 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£100
Annual cost
£8,332
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 30/06/29
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 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,180 made up of the loan amount plus interest (£149,080) 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
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.48%
then 7.99% (variable)
Monthly repayments
£693
Scheme fees
£0
Annual cost
£8,320
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 4.48% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £917. The total amount payable would be £261,660 made up of the loan amount plus interest (£136,660) 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
?
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,520
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
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 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,579 made up of the loan amount plus interest (£120,580) 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
?
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,619
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 31/08/29
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 4.48% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £693 and 240 payments of £934. The total amount payable would be £267,235 made up of the loan amount plus interest (£140,740) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
TSB
Max LTV 80%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.49%
then 7.74% (variable)
Monthly repayments
£694
Scheme fees
£995
Annual cost
£8,528
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 30/06/29
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 4.49% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £900. The total amount payable would be £258,635 made up of the loan amount plus interest (£132,640) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Newbury
Max LTV 75%:
Fixed to 29/05/29
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,499
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 29/5/29
Other info
Exit fee £115
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 7.00% for the remaining 20 years would require 60 payments of £694 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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 01/07/29
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 4.49% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £265,800 made up of the loan amount plus interest (£140,800) 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
?
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£1,999
Annual cost
£8,729
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4.5% reducing to 1% for 5 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 5 years at 4.49% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £969. The total amount payable would be £276,199 made up of the loan amount plus interest (£149,200) and fees (£1,999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£909
Annual cost
£8,511
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
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 4.49% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,829 made up of the loan amount plus interest (£161,920) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.49%
then 7.74% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £900. The total amount payable would be £257,640 made up of the loan amount plus interest (£132,640) and fees (£0). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Halifax
Max LTV 80%:
Fixed to 30/06/29
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 30/06/29
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 4.51% 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 7.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Halifax
Max LTV 85%:
Fixed to 30/06/29
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 30/06/29
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 4.51% 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 7.4% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/08/29
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 31/08/29
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 4.51% 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 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
Natwest
Max LTV 80%:
Fixed to 31/08/29
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 31/08/29
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 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£995
Annual cost
£8,562
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 31/08/29
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 4.53% 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 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Cumberland
Max LTV 85%:
Fixed to 01/07/29
Initial rate
4.53%
then 8.24% (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 1% until 01/07/29
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 4.53% 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 £267,159 made up of the loan amount plus interest (£141,160) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Nationwide
Max LTV 80%:
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 6.9% 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
4.53%
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 6.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Nationwide
Max LTV 80%:
Fixed for 5 years
First time buyer only
Initial rate
4.54%
then 7.99% (variable)
Monthly repayments
£698
Scheme fees
£499
Annual cost
£8,471
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 4.54% 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 £262,639 made up of the loan amount plus interest (£137,140) and fees (£499). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/27
First time buyer only
Initial rate
4.54%
then 7.74% (variable)
Monthly repayments
£698
Scheme fees
£995
Annual cost
£8,703
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:
3% reducing to 1% until 30/06/27
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 3 years at 4.54% and then on a variable rate of 7.74% for the remaining 22 years would require 36 payments of £697 and 264 payments of £918. The total amount payable would be £268,439 made up of the loan amount plus interest (£142,444) and fees (£995). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
Nationwide
Max LTV 60%:
Fixed for 3 years
Initial rate
4.54%
then 7.99% (variable)
Monthly repayments
£698
Scheme fees
£999
Annual cost
£8,705
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:
3.5% reducing to 1.5% 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 4.54% and then on a variable rate of 7.99% for the remaining 22 years would require 36 payments of £697 and 264 payments of £937. The total amount payable would be £273,459 made up of the loan amount plus interest (£147,460) 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
?
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