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Mortgages

L&C Mortgages is the UK's leading fee free mortgage broker and will help you find the right mortgage deal. Most importantly unlike many other brokers we won’t charge you a fee, whether you proceed with the application or not.

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Allied Irish Bank
Max LTV 60%:
Fixed to 28/02/29
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 28/02/29
Other info
Exit fee £55
Estimated legals £0
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
?
Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.22%
then 7.50% (variable)
Monthly repayments
£675
Scheme fees
£1,048
Annual cost
£8,310
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:
5% reducing to 1% until 02/07/29
Other info
Exit fee £225
Estimated legals £299
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 £252,748 made up of the loan amount plus interest (£126,700) and fees (£1,048). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£998
Annual cost
£8,359
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
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 6.99% for the remaining 20 years would require 60 payments of £679 and 240 payments of £847. The total amount payable would be £245,018 made up of the loan amount plus interest (£119,020) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Allied Irish Bank
Max LTV 75%:
Fixed to 28/02/29
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 28/02/29
Other info
Exit fee £55
Estimated legals £0
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 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
First Direct
Max LTV 60%:
Fixed to 5 years
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£490
Annual cost
£8,258
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
Estimated legals £0
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 6.99% for the remaining 20 years would require 60 payments of £679 and 240 payments of £847. The total amount payable would be £244,510 made up of the loan amount plus interest (£119,020) 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
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.30%
then 8.24% (variable)
Monthly repayments
£681
Scheme fees
£1,544
Annual cost
£8,477
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.30% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £680 and 240 payments of £931. The total amount payable would be £265,784 made up of the loan amount plus interest (£139,240) and fees (£1,544). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
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 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.35%
then 8.24% (variable)
Monthly repayments
£684
Scheme fees
£1,044
Annual cost
£8,419
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.35% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £684 and 240 payments of £932. The total amount payable would be £265,764 made up of the loan amount plus interest (£139,720) and fees (£1,044). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Co-Op
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.38%
then 8.12% (variable)
Monthly repayments
£686
Scheme fees
£749
Annual cost
£8,385
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 30/06/29
Other info
Exit fee £50
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.38% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £686 and 240 payments of £924. The total amount payable would be £263,669 made up of the loan amount plus interest (£137,920) 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
?
Allied Irish Bank
Max LTV 80%:
Fixed to 28/02/29
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 28/02/29
Other info
Exit fee £55
Estimated legals £0
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
?
Virgin Money
Max LTV 70%:
Fixed to 01/06/29
Initial rate
4.42%
then 9.49% (variable)
Monthly repayments
£689
Scheme fees
£895
Annual cost
£8,449
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.42% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £689 and 240 payments of £1,021. The total amount payable would be £287,275 made up of the loan amount plus interest (£161,380) and fees (£895). The overall cost for comparison is 7.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.42%
then 7.50% (variable)
Monthly repayments
£689
Scheme fees
£49
Annual cost
£8,279
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 02/07/29
Other info
Exit fee £225
Estimated legals £299
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 7.50% for the remaining 20 years would require 60 payments of £689 and 240 payments of £883. The total amount payable would be £253,309 made up of the loan amount plus interest (£128,260) and fees (£49). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/29
Initial rate
4.43%
then 8.24% (variable)
Monthly repayments
£690
Scheme fees
£999
Annual cost
£8,478
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/05/29
Other info
Exit fee £125
Estimated legals £0
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 8.24% for the remaining 20 years would require 60 payments of £689 and 240 payments of £933. The total amount payable would be £266,259 made up of the loan amount plus interest (£140,260) 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 60%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,486
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 30/06/29
Other info
Exit fee £0
Estimated legals £0
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 8.74% for the remaining 20 years would require 60 payments of £690 and 240 payments of £968. The total amount payable would be £274,719 made up of the loan amount plus interest (£148,720) 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
?
Virgin Money
Max LTV 60%:
Fixed to 01/06/29
Initial rate
4.44%
then 9.49% (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:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
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 9.49% for the remaining 20 years would require 60 payments of £690 and 240 payments of £1,021. The total amount payable would be £287,435 made up of the loan amount plus interest (£161,440) and fees (£995). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
First Direct
Max LTV 60%:
Fixed to 5 years
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
Estimated legals £0
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
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.44%
then 6.99% (variable)
Monthly repayments
£691
Scheme fees
-£1
Annual cost
£8,286
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
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 £245,159 made up of the loan amount plus interest (£120,160) and fees (-£1). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,619
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 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.44% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £690 and 264 payments of £992. The total amount payable would be £287,727 made up of the loan amount plus interest (£161,728) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
First Direct
Max LTV 75%:
Fixed to 5 years
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
Estimated legals £0
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 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£948
Annual cost
£8,502
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/03/29
Other info
Exit fee £80
Estimated legals £299
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 £275,028 made up of the loan amount plus interest (£149,080) and fees (£948). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.48%
then 6.79% (variable)
Monthly repayments
£693
Scheme fees
£2,995
Annual cost
£8,919
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 30/06/29
Other info
Exit fee £55
Estimated legals £0
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 6.79% for the remaining 20 years would require 60 payments of £693 and 240 payments of £837. The total amount payable would be £245,455 made up of the loan amount plus interest (£117,460) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Newbury
Max LTV 75%:
Fixed to 29/04/27
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,612
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:
3% reducing to 2% until 29/04/27
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.49% and then on a variable rate of 7.00% for the remaining 22 years would require 36 payments of £694 and 264 payments of £864. The total amount payable would be £253,930 made up of the loan amount plus interest (£128,080) and fees (£850). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Virgin Money
Max LTV 70%:
Fixed to 01/06/29
Initial rate
4.49%
then 9.49% (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:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
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 £287,915 made up of the loan amount plus interest (£161,920) and fees (£995). The overall cost for comparison is 7.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
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 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
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£994
Annual cost
£8,528
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
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 £275,194 made up of the loan amount plus interest (£149,200) and fees (£994). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
HSBC
Max LTV 70%:
Fixed to 30/04/29
Initial rate
4.49%
then 6.99% (variable)
Monthly repayments
£694
Scheme fees
£998
Annual cost
£8,529
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
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 6.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £850. The total amount payable would be £246,638 made up of the loan amount plus interest (£120,640) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
HSBC
Max LTV 75%:
Fixed to 30/04/29
Initial rate
4.49%
then 6.99% (variable)
Monthly repayments
£694
Scheme fees
£998
Annual cost
£8,529
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
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 6.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £850. The total amount payable would be £246,638 made up of the loan amount plus interest (£120,640) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.54%
then 8.74% (variable)
Monthly repayments
£698
Scheme fees
£999
Annual cost
£8,571
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 31/05/29
Other info
Exit fee £0
Estimated legals £0
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 8.74% for the remaining 20 years would require 60 payments of £697 and 240 payments of £970. The total amount payable would be £275,619 made up of the loan amount plus interest (£149,620) 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
?
Barclays
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.54%
then 8.74% (variable)
Monthly repayments
£698
Scheme fees
£948
Annual cost
£8,561
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/03/29
Other info
Exit fee £80
Estimated legals £299
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 8.74% for the remaining 20 years would require 60 payments of £697 and 240 payments of £970. The total amount payable would be £275,568 made up of the loan amount plus interest (£149,620) and fees (£948). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.54%
then 8.24% (variable)
Monthly repayments
£698
Scheme fees
£1,495
Annual cost
£8,671
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 31/05/29
Other info
Exit fee £90
Estimated legals £0
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 8.24% for the remaining 20 years would require 60 payments of £697 and 240 payments of £935. The total amount payable would be £267,715 made up of the loan amount plus interest (£141,220) 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
?
Co-Op
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.54%
then 8.12% (variable)
Monthly repayments
£698
Scheme fees
£749
Annual cost
£8,521
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 30/06/29
Other info
Exit fee £50
Estimated legals £0
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 8.12% for the remaining 20 years would require 60 payments of £697 and 240 payments of £927. The total amount payable would be £265,049 made up of the loan amount plus interest (£139,300) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.54%
then 6.79% (variable)
Monthly repayments
£698
Scheme fees
£1,295
Annual cost
£8,631
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 30/06/29
Other info
Exit fee £55
Estimated legals £0
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 6.79% for the remaining 20 years would require 60 payments of £697 and 240 payments of £838. The total amount payable would be £244,235 made up of the loan amount plus interest (£117,940) and fees (£1,295). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Bank of Ireland
Max LTV 85%:
Fixed to 31/05/29
Initial rate
4.55%
then 8.04% (variable)
Monthly repayments
£698
Scheme fees
£1,294
Annual cost
£8,639
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/29
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £698 and 240 payments of £922. The total amount payable would be £264,454 made up of the loan amount plus interest (£138,160) and fees (£1,294). The overall cost for comparison is 6.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Allied Irish Bank
Max LTV 85%:
Fixed to 28/02/29
Initial rate
4.56%
then 7.75% (variable)
Monthly repayments
£699
Scheme fees
£200
Annual cost
£8,429
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 28/02/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £699 and 240 payments of £902. The total amount payable would be £258,620 made up of the loan amount plus interest (£133,420) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.57%
then 8.74% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,397
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £274,740 made up of the loan amount plus interest (£149,740) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.57%
then 8.74% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,397
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 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.57% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £699 and 264 payments of £994. The total amount payable would be £287,580 made up of the loan amount plus interest (£162,580) and fees (£0). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Santander
Max LTV 75%:
Fixed to 02/07/29
Initial rate
4.57%
then 7.50% (variable)
Monthly repayments
£700
Scheme fees
£1,048
Annual cost
£8,607
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:
5% reducing to 1% until 02/07/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £699 and 240 payments of £885. The total amount payable would be £255,388 made up of the loan amount plus interest (£129,340) and fees (£1,048). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £267,639 made up of the loan amount plus interest (£141,640) 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
?
First Direct
Max LTV 60%:
Fixed for 3 years
Initial rate
4.59%
then 6.99% (variable)
Monthly repayments
£701
Scheme fees
£490
Annual cost
£8,578
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 3 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 6.99% for the remaining 22 years would require 36 payments of £701 and 264 payments of £864. The total amount payable would be £253,822 made up of the loan amount plus interest (£128,332) and fees (£490). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Bank of Ireland
Max LTV 85%:
Fixed to 31/05/29
Initial rate
4.59%
then 8.04% (variable)
Monthly repayments
£701
Scheme fees
£1,495
Annual cost
£8,713
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £701 and 240 payments of £922. The total amount payable would be £264,835 made up of the loan amount plus interest (£138,340) and fees (£1,495). The overall cost for comparison is 6.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Bank of Ireland
Max LTV 85%:
Fixed to 31/05/31
Initial rate
4.59%
then 8.04% (variable)
Monthly repayments
£701
Scheme fees
£1,495
Annual cost
£8,628
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.59% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £701 and 216 payments of £903. The total amount payable would be £255,427 made up of the loan amount plus interest (£128,932) and fees (£1,495). The overall cost for comparison is 6.5% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Skipton
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.59%
then 6.79% (variable)
Monthly repayments
£701
Scheme fees
£2,995
Annual cost
£9,013
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 30/06/29
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £701 and 240 payments of £838. The total amount payable would be £246,175 made up of the loan amount plus interest (£118,180) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Virgin Money
Max LTV 60%:
Fixed to 01/06/29
Initial rate
4.59%
then 9.49% (variable)
Monthly repayments
£701
Scheme fees
£0
Annual cost
£8,414
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:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £701 and 240 payments of £1,024. The total amount payable would be £287,820 made up of the loan amount plus interest (£162,820) and fees (£0). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Leeds
Max LTV 85%:
Fixed to 31/05/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £199
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £267,699 made up of the loan amount plus interest (£141,700) 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
?
Halifax
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £971. The total amount payable would be £276,099 made up of the loan amount plus interest (£150,100) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£0
Annual cost
£8,414
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £266,700 made up of the loan amount plus interest (£141,700) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
First Direct
Max LTV 80%:
Fixed to 5 years
Initial rate
4.59%
then 6.99% (variable)
Monthly repayments
£701
Scheme fees
£490
Annual cost
£8,512
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £701 and 240 payments of £852. The total amount payable would be £247,030 made up of the loan amount plus interest (£121,540) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
First Direct
Max LTV 85%:
Fixed to 5 years
Initial rate
4.59%
then 6.99% (variable)
Monthly repayments
£701
Scheme fees
£490
Annual cost
£8,512
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £701 and 240 payments of £852. The total amount payable would be £247,030 made up of the loan amount plus interest (£121,540) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/27
Initial rate
4.59%
then 6.99% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,747
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 1% until 30/04/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 6.99% for the remaining 22 years would require 36 payments of £701 and 264 payments of £864. The total amount payable would be £254,331 made up of the loan amount plus interest (£128,332) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Halifax
Max LTV 75%:
Fixed to 30/06/27
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,747
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 1% until 30/06/27
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.59% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £701 and 264 payments of £994. The total amount payable would be £288,651 made up of the loan amount plus interest (£162,652) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
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