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?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.24%
then 3.99% (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? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.24% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £484 and 276 payments of £644. The total amount payable would be £190,359 made up of the loan amount plus interest (£64,360) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/01/23
Initial rate
1.24%
then 4.34% (variable)
Monthly repayments
£485
Scheme fees
£1,495
Annual cost
£6,565
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:
1.5% until 01/01/23
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 2 years at 1.24% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £484 and 276 payments of £667. The total amount payable would be £197,203 made up of the loan amount plus interest (£70,708) and fees (£1,495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/10/22
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£999
Annual cost
£6,345
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 31/10/22
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 1.28% 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 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,195
Annual cost
£6,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
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 1.28% 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 £184,003 made up of the loan amount plus interest (£57,808) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/10/22
Initial rate
1.29%
then 3.59% (variable)
Monthly repayments
£488
Scheme fees
£749
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/10/22
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 1.29% 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 £183,557 made up of the loan amount plus interest (£57,808) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.36%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£1,199
Annual cost
£6,301
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
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 1.36% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £491 and 264 payments of £614. The total amount payable would be £180,971 made up of the loan amount plus interest (£54,772) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.38%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£1,199
Annual cost
£6,514
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
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 1.38% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £492 and 276 payments of £620. The total amount payable would be £184,127 made up of the loan amount plus interest (£57,928) and fees (£1,199). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,419
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:
2% reducing to 1% until 30/11/22
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 1.39% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £493 and 276 payments of £620. The total amount payable would be £183,947 made up of the loan amount plus interest (£57,952) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.39%
then 3.99% (variable)
Monthly repayments
£493
Scheme fees
£499
Annual cost
£6,171
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £493 and 276 payments of £645. The total amount payable would be £190,351 made up of the loan amount plus interest (£64,852) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/10/25
Initial rate
1.42%
then 3.59% (variable)
Monthly repayments
£495
Scheme fees
£999
Annual cost
£6,143
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 31/10/25
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 1.42% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £495 and 240 payments of £604. The total amount payable would be £175,659 made up of the loan amount plus interest (£49,660) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
TSB
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,454
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:
2% reducing to 1% until 30/11/22
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 1.44% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £621. The total amount payable would be £184,295 made up of the loan amount plus interest (£58,300) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Leeds
Max LTV 65%:
Fixed to 31/12/22
Initial rate
1.44%
then 5.29% (variable)
Monthly repayments
£496
Scheme fees
£1,999
Annual cost
£6,956
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:
3% reducing to 2% until 31/12/22
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 1.44% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £496 and 276 payments of £730. The total amount payable would be £215,383 made up of the loan amount plus interest (£88,384) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.45%
then 4.34% (variable)
Monthly repayments
£497
Scheme fees
£1,249
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/12/25
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 1.45% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £496 and 240 payments of £645. The total amount payable would be £185,809 made up of the loan amount plus interest (£59,560) and fees (£1,249). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.46%
then 3.59% (variable)
Monthly repayments
£498
Scheme fees
£1,199
Annual cost
£6,371
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
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 1.46% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £497 and 264 payments of £615. The total amount payable would be £181,451 made up of the loan amount plus interest (£55,252) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£1,195
Annual cost
£6,583
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
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 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,543 made up of the loan amount plus interest (£58,348) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Clydesdale
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.49%
then 4.55% (variable)
Monthly repayments
£499
Scheme fees
£1,399
Annual cost
£6,691
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £400
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 30/11/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £499 and 276 payments of £682. The total amount payable would be £201,607 made up of the loan amount plus interest (£75,208) and fees (£1,399). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Santander
Max LTV 60%:
Fixed to 02/01/23
Initial rate
1.49%
then 3.35% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,491
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 02/01/23
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 1.49% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £499 and 276 payments of £606. The total amount payable would be £180,231 made up of the loan amount plus interest (£54,232) 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
?
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.50%
then 4.74% (variable)
Monthly repayments
£500
Scheme fees
£909
Annual cost
£6,454
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £204,429 made up of the loan amount plus interest (£78,520) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Cumberland
Max LTV 60%:
2.58% discount for 2 years
Initial rate
1.51%
then 4.09% (variable)
Monthly repayments
£501
Scheme fees
£999
Annual cost
£6,506
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% reducing to 0.5% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.51% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £500 and 276 payments of £652. The total amount payable would be £192,951 made up of the loan amount plus interest (£66,952) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.53%
then 4.34% (variable)
Monthly repayments
£502
Scheme fees
£749
Annual cost
£6,170
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 31/12/25
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 1.53% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £501 and 240 payments of £646. The total amount payable would be £185,849 made up of the loan amount plus interest (£60,100) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
5% reducing to 1% until 30/11/25
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.54% and then on a variable rate of 3.99% for the remaining 20 years would require 60 payments of £502 and 240 payments of £627. The total amount payable would be £181,599 made up of the loan amount plus interest (£55,600) and fees (£999). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£499
Annual cost
£6,277
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/11/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.54% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £646. The total amount payable would be £190,843 made up of the loan amount plus interest (£65,344) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 75%:
Base +1.44% for 2 years
Initial rate
1.54%
then 3.59% (variable)
Monthly repayments
£502
Scheme fees
£1,749
Annual cost
£6,902
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.54% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £502 and 276 payments of £621. The total amount payable would be £185,193 made up of the loan amount plus interest (£58,444) and fees (£1,749). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
West Brom
Max LTV 75%:
Fixed to 30/11/22
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£499
Annual cost
£6,277
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.54% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £646. The total amount payable would be £190,843 made up of the loan amount plus interest (£65,344) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/01/26
Initial rate
1.55%
then 4.34% (variable)
Monthly repayments
£503
Scheme fees
£995
Annual cost
£6,233
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:
4.5% until 01/01/26
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 1.55% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £502 and 240 payments of £647. The total amount payable would be £186,395 made up of the loan amount plus interest (£60,400) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/11/22
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£200
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/11/22
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 1.56% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £621. The total amount payable would be £183,668 made up of the loan amount plus interest (£58,468) and fees (£200). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£1,199
Annual cost
£6,441
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/12/23
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 1.56% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £503 and 264 payments of £616. The total amount payable would be £181,931 made up of the loan amount plus interest (£55,732) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Barclays
Max LTV 60%:
Base +1.48% for 2 years
Initial rate
1.58%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£0
Annual cost
£6,056
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 1.58% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £504 and 276 payments of £621. The total amount payable would be £183,492 made up of the loan amount plus interest (£58,492) and fees (£0). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,262
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 30/11/25
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 1.59% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £505 and 240 payments of £606. The total amount payable would be £176,735 made up of the loan amount plus interest (£50,740) and fees (£995). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Newbury
Max LTV 75%:
2.36% discount for 3 years
Initial rate
1.59%
then 3.95% (variable)
Monthly repayments
£505
Scheme fees
£600
Annual cost
£6,263
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.59% and then on a variable rate of 3.95% for the remaining 22 years would require 36 payments of £505 and 264 payments of £638. The total amount payable would be £187,212 made up of the loan amount plus interest (£61,612) and fees (£600). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Newbury
Max LTV 75%:
2.36% discount for 5 years
Initial rate
1.59%
then 3.95% (variable)
Monthly repayments
£505
Scheme fees
£600
Annual cost
£6,183
Fees and charges
Booking fee £0
Arrangement fee £600
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 1.59% and then on a variable rate of 3.95% for the remaining 20 years would require 60 payments of £505 and 240 payments of £626. The total amount payable would be £181,140 made up of the loan amount plus interest (£55,540) and fees (£600). The overall cost for comparison is 2.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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
?
HSBC
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/12/22
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) 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
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£490
Annual cost
£6,308
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 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,178 made up of the loan amount plus interest (£57,688) and fees (£490). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/01/26
Initial rate
1.59%
then 3.35% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,262
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 02/01/26
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 1.59% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £505 and 240 payments of £594. The total amount payable would be £173,859 made up of the loan amount plus interest (£47,860) and fees (£999). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/10/22
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
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 31/10/22
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 1.59% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £505 and 276 payments of £621. The total amount payable would be £184,515 made up of the loan amount plus interest (£58,516) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Monmouthshire BS
Max LTV 75%:
Fixed for 2 years
Initial rate
1.60%
then 4.74% (variable)
Monthly repayments
£506
Scheme fees
£909
Annual cost
£6,524
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.60% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £505 and 276 payments of £695. The total amount payable would be £204,849 made up of the loan amount plus interest (£78,940) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Cumberland
Max LTV 60%:
2.48% discount for 2 years
Initial rate
1.61%
then 4.09% (variable)
Monthly repayments
£506
Scheme fees
£999
Annual cost
£6,576
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% for 1 year
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.61% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £506 and 276 payments of £653. The total amount payable would be £193,371 made up of the loan amount plus interest (£67,372) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Platform
Max LTV 70%:
Fixed to 31/12/25
Initial rate
1.63%
then 4.34% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
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 31/12/25
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 1.63% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £507 and 240 payments of £648. The total amount payable would be £186,689 made up of the loan amount plus interest (£60,940) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Platform
Max LTV 75%:
Fixed to 31/12/25
Initial rate
1.63%
then 4.34% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
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 31/12/25
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 1.63% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £507 and 240 payments of £648. The total amount payable would be £186,689 made up of the loan amount plus interest (£60,940) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/10/25
Initial rate
1.63%
then 3.59% (variable)
Monthly repayments
£508
Scheme fees
£749
Annual cost
£6,241
Fees and charges
Booking fee £0
Arrangement fee £749
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/10/25
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 1.63% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £507 and 240 payments of £607. The total amount payable would be £176,849 made up of the loan amount plus interest (£51,100) and fees (£749). The overall cost for comparison is 3.0% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/25
Initial rate
1.64%
then 3.99% (variable)
Monthly repayments
£508
Scheme fees
£499
Annual cost
£6,198
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
5% reducing to 1% until 30/11/25
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.64% and then on a variable rate of 3.99% for the remaining 20 years would require 60 payments of £508 and 240 payments of £629. The total amount payable would be £181,939 made up of the loan amount plus interest (£56,440) and fees (£499). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.64%
then 3.54% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,298
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 31/12/25
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 1.64% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £508 and 240 payments of £604. The total amount payable would be £176,439 made up of the loan amount plus interest (£50,440) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/11/23
Initial rate
1.64%
then 3.99% (variable)
Monthly repayments
£508
Scheme fees
£499
Annual cost
£6,264
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
3% reducing to 1% until 30/11/23
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.64% and then on a variable rate of 3.99% for the remaining 22 years would require 36 payments of £508 and 264 payments of £641. The total amount payable would be £188,011 made up of the loan amount plus interest (£62,512) and fees (£499). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Leeds
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.64%
then 5.29% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,598
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 31/12/22
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 1.64% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £508 and 276 payments of £732. The total amount payable would be £215,223 made up of the loan amount plus interest (£89,224) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Monmouthshire BS
Max LTV 80%:
3.09% discount for 2 years
Initial rate
1.65%
then 4.74% (variable)
Monthly repayments
£509
Scheme fees
£909
Annual cost
£6,560
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.65% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £508 and 276 payments of £695. The total amount payable would be £204,921 made up of the loan amount plus interest (£79,012) and fees (£909). The overall cost for comparison is 4.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/10/22
Initial rate
1.66%
then 4.09% (variable)
Monthly repayments
£509
Scheme fees
£1,249
Annual cost
£6,737
Fees and charges
Booking fee £0
Arrangement fee £1,249
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 01/10/22
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 2 years at 1.66% and then on a variable rate of 4.09% for the remaining 23 years would require 24 payments of £509 and 276 payments of £653. The total amount payable would be £193,693 made up of the loan amount plus interest (£67,444) and fees (£1,249). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
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