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Mortgages

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  • looking for a mortgage to buy a new home
  • looking to save money on your monthly payments by remortgaging
  • wanting to fund a home improvement project, or
  • looking for a better mortgage deal to suit your changing circumstances

...our mortgage service provided by the award winning L&C is here to help. And you'll pay no fee for their expert advice.


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?
HSBC
Max LTV 60%:
Base +0.74% for 2 years
Initial rate
0.99%
then 3.54% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £470 and 276 payments of £615. The total amount payable would be £182,019 made up of the loan amount plus interest (£56,020) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 30/04/24
Initial rate
0.99%
then 4.49% (variable)
Monthly repayments
£471
Scheme fees
£995
Annual cost
£6,144
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £470 and 276 payments of £675. The total amount payable would be £198,575 made up of the loan amount plus interest (£72,580) and fees (£995). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
1.00%
then 3.74% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,153
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.00% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £471 and 276 payments of £627. The total amount payable would be £185,355 made up of the loan amount plus interest (£59,356) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Skipton
Max LTV 60%:
Base +0.77% for 2 years
Initial rate
1.02%
then 4.64% (variable)
Monthly repayments
£472
Scheme fees
£995
Annual cost
£6,164
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.02% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £472 and 276 payments of £685. The total amount payable would be £201,383 made up of the loan amount plus interest (£75,388) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.9% APRC
?
Nationwide
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
1.04%
then 3.74% (variable)
Monthly repayments
£473
Scheme fees
£999
Annual cost
£6,180
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.04% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £473 and 276 payments of £628. The total amount payable would be £185,679 made up of the loan amount plus interest (£59,680) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Accord
Max LTV 65%:
3.45% discount to 31/03/24
Initial rate
1.04%
then 4.49% (variable)
Monthly repayments
£473
Scheme fees
£495
Annual cost
£5,928
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.04% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £473 and 276 payments of £675. The total amount payable would be £198,147 made up of the loan amount plus interest (£72,652) and fees (£495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Accord
Max LTV 75%:
3.40% discount to 31/03/24
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£495
Annual cost
£5,962
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,219 made up of the loan amount plus interest (£72,724) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Skipton
Max LTV 70%:
Base +0.84% for 2 years
Initial rate
1.09%
then 4.64% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,212
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £476 and 276 payments of £685. The total amount payable would be £201,479 made up of the loan amount plus interest (£75,484) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 4.0% APRC
?
Yorkshire BS
Max LTV 80%:
Base +0.84% to 30/04/24
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,212
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £476 and 276 payments of £675. The total amount payable would be £198,719 made up of the loan amount plus interest (£72,724) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Barclays
Max LTV 75%:
Base +0.85% for 2 years
Initial rate
1.10%
then 3.74% (variable)
Monthly repayments
£477
Scheme fees
£999
Annual cost
£6,221
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.10% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £476 and 276 payments of £628. The total amount payable would be £185,751 made up of the loan amount plus interest (£59,752) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Furness
Max LTV 60%:
4.15% discount for 2 years
Initial rate
1.14%
then 5.29% (variable)
Monthly repayments
£479
Scheme fees
£1,499
Annual cost
£6,498
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £479 and 276 payments of £729. The total amount payable would be £214,199 made up of the loan amount plus interest (£87,700) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Nationwide
Max LTV 60%:
Base +0.89% for 2 years
Initial rate
1.14%
then 3.74% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £479 and 276 payments of £628. The total amount payable would be £185,823 made up of the loan amount plus interest (£59,824) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 75%:
Base +0.89% for 2 years
Initial rate
1.14%
then 3.74% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £479 and 276 payments of £628. The total amount payable would be £185,823 made up of the loan amount plus interest (£59,824) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Yorkshire BS
Max LTV 85%:
Base +0.89% to 30/04/24
Initial rate
1.14%
then 4.49% (variable)
Monthly repayments
£479
Scheme fees
£995
Annual cost
£6,246
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £479 and 276 payments of £676. The total amount payable would be £199,067 made up of the loan amount plus interest (£73,072) and fees (£995). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
HSBC
Max LTV 70%:
Base +0.89% for 2 years
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £479 and 276 payments of £616. The total amount payable would be £182,511 made up of the loan amount plus interest (£56,512) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 75%:
Base +0.89% for 2 years
Initial rate
1.14%
then 3.54% (variable)
Monthly repayments
£479
Scheme fees
£999
Annual cost
£6,248
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.14% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £479 and 276 payments of £616. The total amount payable would be £182,511 made up of the loan amount plus interest (£56,512) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 80%:
Base +0.94% for 2 years
Initial rate
1.19%
then 3.54% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £481 and 276 payments of £616. The total amount payable would be £182,559 made up of the loan amount plus interest (£56,560) and fees (£999). The overall cost for comparison is 3.5% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.5% APRC
?
Nationwide
Max LTV 80%:
Base +0.94% for 2 years
Initial rate
1.19%
then 3.74% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £628. The total amount payable would be £185,871 made up of the loan amount plus interest (£59,872) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 85%:
Base +0.94% for 2 years
Initial rate
1.19%
then 3.74% (variable)
Monthly repayments
£482
Scheme fees
£999
Annual cost
£6,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.19% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £628. The total amount payable would be £185,871 made up of the loan amount plus interest (£59,872) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 55%:
Fixed to 31/05/24
Initial rate
1.19%
then 3.74% (variable)
Monthly repayments
£482
Scheme fees
£749
Annual cost
£6,158
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 31/05/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.19% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £481 and 276 payments of £628. The total amount payable would be £185,621 made up of the loan amount plus interest (£59,872) and fees (£749). The overall cost for comparison is 3.4% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Barclays
Max LTV 60%:
Base +0.96% for 2 years
Initial rate
1.21%
then 3.74% (variable)
Monthly repayments
£483
Scheme fees
£0
Annual cost
£5,797
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 1.21% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £483 and 276 payments of £629. The total amount payable would be £185,196 made up of the loan amount plus interest (£60,196) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.24%
then 3.74% (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?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £484 and 276 payments of £629. The total amount payable would be £186,219 made up of the loan amount plus interest (£60,220) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Accord
Max LTV 80%:
3.25% discount to 31/03/24
Initial rate
1.24%
then 4.49% (variable)
Monthly repayments
£485
Scheme fees
£495
Annual cost
£6,065
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 31/03/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £484 and 276 payments of £676. The total amount payable would be £198,687 made up of the loan amount plus interest (£73,192) and fees (£495). The overall cost for comparison is 3.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Furness
Max LTV 60%:
4.05% discount for 2 years
Initial rate
1.24%
then 5.29% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,317
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £484 and 276 payments of £729. The total amount payable would be £213,819 made up of the loan amount plus interest (£87,820) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Barclays
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
1.24%
then 3.74% (variable)
Monthly repayments
£485
Scheme fees
£0
Annual cost
£5,817
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 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 1.24% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £484 and 276 payments of £629. The total amount payable would be £185,220 made up of the loan amount plus interest (£60,220) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Furness
Max LTV 80%:
4.05% discount for 2 years
Initial rate
1.24%
then 5.29% (variable)
Monthly repayments
£485
Scheme fees
£1,499
Annual cost
£6,567
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.24% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £484 and 276 payments of £729. The total amount payable would be £214,319 made up of the loan amount plus interest (£87,820) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/05/24
Initial rate
1.26%
then 3.74% (variable)
Monthly repayments
£486
Scheme fees
£999
Annual cost
£6,331
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/05/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.26% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £485 and 276 payments of £629. The total amount payable would be £186,243 made up of the loan amount plus interest (£60,244) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.29%
then 3.54% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £487 and 276 payments of £617. The total amount payable would be £182,979 made up of the loan amount plus interest (£56,980) 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
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.29%
then 3.74% (variable)
Monthly repayments
£488
Scheme fees
£999
Annual cost
£6,352
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.25% reducing to 0.75% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.29% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £487 and 276 payments of £629. The total amount payable would be £186,291 made up of the loan amount plus interest (£60,292) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nottingham
Max LTV 80%:
Fixed to 29/02/24
Initial rate
1.30%
then 4.24% (variable)
Monthly repayments
£488
Scheme fees
£1,499
Annual cost
£6,609
Fees and charges
Booking fee £199
Arrangement fee £1,300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 29/02/24
Other info
Exit fee £140
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.30% and then on a variable rate of 4.24% for the remaining 23 years would require 24 payments of £488 and 276 payments of £661. The total amount payable would be £195,647 made up of the loan amount plus interest (£69,148) and fees (£1,499). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.34%
then 3.74% (variable)
Monthly repayments
£491
Scheme fees
£745
Annual cost
£6,259
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £490 and 276 payments of £629. The total amount payable would be £186,109 made up of the loan amount plus interest (£60,364) and fees (£745). 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%:
2.65% discount to 29/02/24
Initial rate
1.34%
then 3.99% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £490 and 276 payments of £645. The total amount payable would be £190,779 made up of the loan amount plus interest (£64,780) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.6% APRC
?
Santander
Max LTV 75%:
Fixed to 02/05/24
Initial rate
1.34%
then 3.50% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
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 02/05/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.50% for the remaining 23 years would require 24 payments of £490 and 276 payments of £614. The total amount payable would be £182,223 made up of the loan amount plus interest (£56,224) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Base +1.09% for 2 years
Initial rate
1.34%
then 3.74% (variable)
Monthly repayments
£491
Scheme fees
£0
Annual cost
£5,887
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £490 and 276 payments of £629. The total amount payable would be £185,364 made up of the loan amount plus interest (£60,364) and fees (£0). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.1% APRC
?
Furness
Max LTV 80%:
3.95% discount for 2 years
Initial rate
1.34%
then 5.29% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.34% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £490 and 276 payments of £730. The total amount payable would be £214,239 made up of the loan amount plus interest (£88,240) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 30/04/24
Initial rate
1.34%
then 4.49% (variable)
Monthly repayments
£491
Scheme fees
£1,495
Annual cost
£6,634
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £490 and 276 payments of £677. The total amount payable would be £200,107 made up of the loan amount plus interest (£73,612) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Furness
Max LTV 70%:
Fixed for 2 years
Initial rate
1.35%
then 5.29% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,393
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:
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 1.35% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £491 and 276 payments of £730. The total amount payable would be £214,263 made up of the loan amount plus interest (£88,264) and fees (£999). The overall cost for comparison is 4.6% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Leeds
Max LTV 65%:
Fixed to 31/03/24
Initial rate
1.35%
then 5.29% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,393
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:
2.5% reducing to 1.5% until 31/03/24
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.35% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £491 and 276 payments of £730. The total amount payable would be £214,263 made up of the loan amount plus interest (£88,264) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/06/24
Initial rate
1.36%
then 4.49% (variable)
Monthly repayments
£492
Scheme fees
£909
Annual cost
£6,355
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:
1.5% until 01/06/24
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 1.36% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £491 and 276 payments of £677. The total amount payable would be £199,545 made up of the loan amount plus interest (£73,636) and fees (£909). The overall cost for comparison is 3.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Furness
Max LTV 80%:
Fixed for 2 years
Initial rate
1.39%
then 5.29% (variable)
Monthly repayments
£493
Scheme fees
£749
Annual cost
£6,296
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £493 and 276 payments of £730. The total amount payable would be £214,061 made up of the loan amount plus interest (£88,312) and fees (£749). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Nationwide
Max LTV 75%:
Fixed for 2 years
Initial rate
1.39%
then 3.74% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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:
1.25% reducing to 0.75% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £493 and 276 payments of £630. The total amount payable would be £186,711 made up of the loan amount plus interest (£60,712) 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
?
Santander
Max LTV 80%:
Fixed to 02/05/24
Initial rate
1.39%
then 3.50% (variable)
Monthly repayments
£493
Scheme fees
£749
Annual cost
£6,296
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/05/24
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.50% for the remaining 23 years would require 24 payments of £493 and 276 payments of £615. The total amount payable would be £182,321 made up of the loan amount plus interest (£56,572) and fees (£749). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£490
Annual cost
£6,167
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 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £182,614 made up of the loan amount plus interest (£57,124) 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
?
HSBC
Max LTV 70%:
Fixed to 30/04/24
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £183,123 made up of the loan amount plus interest (£57,124) 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 30/04/24
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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 30/04/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £183,123 made up of the loan amount plus interest (£57,124) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.39%
then 3.74% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
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:
1.25% reducing to 0.75% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £493 and 276 payments of £630. The total amount payable would be £186,711 made up of the loan amount plus interest (£60,712) 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 85%:
Base +1.14% for 2 years
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,421
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £493 and 276 payments of £617. The total amount payable would be £183,123 made up of the loan amount plus interest (£57,124) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.6% APRC
?
Yorkshire BS
Max LTV 80%:
Fixed to 30/04/24
Initial rate
1.40%
then 4.49% (variable)
Monthly repayments
£494
Scheme fees
£1,495
Annual cost
£6,676
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 30/04/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.40% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £494 and 276 payments of £677. The total amount payable would be £200,203 made up of the loan amount plus interest (£73,708) and fees (£1,495). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Platform
Max LTV 60%:
Fixed to 30/04/24
Initial rate
1.40%
then 4.49% (variable)
Monthly repayments
£494
Scheme fees
£1,249
Annual cost
£6,553
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:
2% reducing to 1% until 30/04/24
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 1.40% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £494 and 276 payments of £677. The total amount payable would be £199,957 made up of the loan amount plus interest (£73,708) and fees (£1,249). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Leek United
Max LTV 80%:
3.79% discount for 2 years
Initial rate
1.40%
then 5.19% (variable)
Monthly repayments
£494
Scheme fees
-£400
Annual cost
£5,729
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.40% and then on a variable rate of 5.19% for the remaining 23 years would require 24 payments of £494 and 276 payments of £723. The total amount payable would be £211,004 made up of the loan amount plus interest (£86,404) and fees (-£400). The overall cost for comparison is 4.5% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
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