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Mortgages

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  • wanting to fund a home improvement project, or
  • looking for a better mortgage deal to suit your changing circumstances

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?
Yorkshire BS
Max LTV 65%:
Base +0.68% to 29/02/24
Initial rate
0.78%
then 4.49% (variable)
Monthly repayments
£459
Scheme fees
£995
Annual cost
£6,003
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.78% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £458 and 276 payments of £673. The total amount payable would be £197,735 made up of the loan amount plus interest (£71,740) and fees (£995). The overall cost for comparison is 3.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
0.85%
then 3.59% (variable)
Monthly repayments
£463
Scheme fees
£999
Annual cost
£6,051
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.85% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £462 and 276 payments of £617. The total amount payable would be £182,379 made up of the loan amount plus interest (£56,380) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.79% to 29/02/24
Initial rate
0.89%
then 4.49% (variable)
Monthly repayments
£465
Scheme fees
£995
Annual cost
£6,076
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.89% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £464 and 276 payments of £674. The total amount payable would be £198,155 made up of the loan amount plus interest (£72,160) 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
?
HSBC
Max LTV 60%:
Fixed to 31/01/24
Initial rate
0.89%
then 3.54% (variable)
Monthly repayments
£465
Scheme fees
£999
Annual cost
£6,078
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.89% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £464 and 276 payments of £614. 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 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
TSB
Max LTV 60%:
Fixed to 29/02/24
Initial rate
0.89%
then 3.59% (variable)
Monthly repayments
£465
Scheme fees
£995
Annual cost
£6,076
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 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.89% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £464 and 276 payments of £617. The total amount payable would be £182,423 made up of the loan amount plus interest (£56,428) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Yorkshire BS
Max LTV 65%:
Fixed to 29/02/24
Initial rate
0.90%
then 4.49% (variable)
Monthly repayments
£465
Scheme fees
£1,495
Annual cost
£6,333
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.90% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £465 and 276 payments of £674. The total amount payable would be £198,679 made up of the loan amount plus interest (£72,184) and fees (£1,495). The overall cost for comparison is 3.6% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
0.90%
then 3.59% (variable)
Monthly repayments
£465
Scheme fees
£1,199
Annual cost
£6,185
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 31/12/23
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 2 years at 0.90% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £465 and 276 payments of £618. The total amount payable would be £182,927 made up of the loan amount plus interest (£56,728) 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%:
Fixed to 30/11/23
Initial rate
0.91%
then 3.59% (variable)
Monthly repayments
£466
Scheme fees
£999
Annual cost
£6,092
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 30/11/23
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 0.91% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £466 and 276 payments of £618. The total amount payable would be £182,751 made up of the loan amount plus interest (£56,752) 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
?
Santander
Max LTV 70%:
Fixed to 02/01/24
Initial rate
0.94%
then 3.35% (variable)
Monthly repayments
£468
Scheme fees
£749
Annual cost
£5,987
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 02/01/24
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 0.94% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £467 and 276 payments of £603. The total amount payable would be £178,385 made up of the loan amount plus interest (£52,636) and fees (£749). The overall cost for comparison is 3.0% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Barclays
Max LTV 75%:
Base +0.85% for 2 years
Initial rate
0.95%
then 3.59% (variable)
Monthly repayments
£468
Scheme fees
£999
Annual cost
£6,119
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.95% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £468 and 276 payments of £618. The total amount payable would be £182,799 made up of the loan amount plus interest (£56,800) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Leeds
Max LTV 65%:
Fixed to 31/01/24
Initial rate
0.96%
then 5.29% (variable)
Monthly repayments
£469
Scheme fees
£999
Annual cost
£6,125
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 31/01/24
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 0.96% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £468 and 276 payments of £727. The total amount payable would be £212,883 made up of the loan amount plus interest (£86,884) 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
?
Yorkshire BS
Max LTV 75%:
Fixed to 29/02/24
Initial rate
0.97%
then 4.49% (variable)
Monthly repayments
£469
Scheme fees
£1,495
Annual cost
£6,380
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.97% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £469 and 276 payments of £675. The total amount payable would be £199,051 made up of the loan amount plus interest (£72,556) and fees (£1,495). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Natwest
Max LTV 60%:
Fixed to 29/02/24
Initial rate
0.98%
then 3.59% (variable)
Monthly repayments
£470
Scheme fees
£845
Annual cost
£6,062
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £150
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.98% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £469 and 276 payments of £618. The total amount payable would be £182,669 made up of the loan amount plus interest (£56,824) and fees (£845). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Monmouthshire BS
Max LTV 75%:
Fixed for 2 years
Initial rate
0.99%
then 4.74% (variable)
Monthly repayments
£471
Scheme fees
£1,905
Annual cost
£6,599
Fees and charges
Booking fee £150
Arrangement fee £1,495
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 0.99% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £470 and 276 payments of £691. The total amount payable would be £203,901 made up of the loan amount plus interest (£76,996) and fees (£1,905). The overall cost for comparison is 4.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/01/27
Initial rate
0.99%
then 3.35% (variable)
Monthly repayments
£471
Scheme fees
£749
Annual cost
£5,796
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% until 02/01/27
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 0.99% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £470 and 240 payments of £586. The total amount payable would be £169,589 made up of the loan amount plus interest (£43,840) and fees (£749). The overall cost for comparison is 2.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.3% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/01/24
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? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 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 70% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Leeds
Max LTV 75%:
Fixed to 31/01/24
Initial rate
0.99%
then 5.29% (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? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/01/24
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 0.99% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £470 and 276 payments of £728. The total amount payable would be £213,207 made up of the loan amount plus interest (£87,208) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Skipton
Max LTV 60%:
Base +0.89% for 2 years
Initial rate
0.99%
then 4.64% (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?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £470 and 276 payments of £685. The total amount payable would be £201,335 made up of the loan amount plus interest (£75,340) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
TSB
Max LTV 75%:
Fixed to 29/02/24
Initial rate
0.99%
then 3.59% (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:
2% reducing to 1% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,843 made up of the loan amount plus interest (£56,848) 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
?
HSBC
Max LTV 75%:
Fixed to 31/01/24
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? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 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 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Nationwide
Max LTV 60%:
Base +0.89% for 2 years
Initial rate
0.99%
then 3.59% (variable)
Monthly repayments
£471
Scheme fees
£999
Annual cost
£6,146
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 0.99% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £470 and 276 payments of £618. The total amount payable would be £182,847 made up of the loan amount plus interest (£56,848) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
Barclays
Max LTV 75%:
Fixed to 30/11/23
Initial rate
1.02%
then 3.59% (variable)
Monthly repayments
£472
Scheme fees
£999
Annual cost
£6,166
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 30/11/23
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 1.02% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £472 and 276 payments of £618. The total amount payable would be £182,895 made up of the loan amount plus interest (£56,896) 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
?
Natwest
Max LTV 60%:
Fixed to 28/02/27
Initial rate
1.03%
then 3.59% (variable)
Monthly repayments
£473
Scheme fees
£995
Annual cost
£5,872
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% reducing to 1% until 28/02/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.03% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £472 and 240 payments of £599. The total amount payable would be £173,075 made up of the loan amount plus interest (£47,080) and fees (£995). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/12/23
Initial rate
1.04%
then 3.59% (variable)
Monthly repayments
£473
Scheme fees
£1,199
Annual cost
£6,280
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 31/12/23
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 2 years at 1.04% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £473 and 276 payments of £618. The total amount payable would be £183,119 made up of the loan amount plus interest (£56,920) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 70%:
Fixed to 02/01/27
Initial rate
1.04%
then 3.35% (variable)
Monthly repayments
£473
Scheme fees
£749
Annual cost
£5,830
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% until 02/01/27
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.04% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £473 and 240 payments of £586. The total amount payable would be £169,769 made up of the loan amount plus interest (£44,020) and fees (£749). The overall cost for comparison is 2.5% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 2.5% APRC
?
Santander
Max LTV 75%:
Fixed to 02/01/24
Initial rate
1.04%
then 3.35% (variable)
Monthly repayments
£473
Scheme fees
£749
Annual cost
£6,055
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 02/01/24
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 1.04% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £473 and 276 payments of £604. The total amount payable would be £178,805 made up of the loan amount plus interest (£53,056) and fees (£749). The overall cost for comparison is 3.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Virgin Money
Max LTV 75%:
Fixed to 01/02/24
Initial rate
1.04%
then 4.34% (variable)
Monthly repayments
£473
Scheme fees
£709
Annual cost
£6,035
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £214
Other fees £0
Cashback £1,000
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% until 01/02/24
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 1.04% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £473 and 276 payments of £665. The total amount payable would be £195,601 made up of the loan amount plus interest (£69,892) and fees (£709). 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 01/02/24
Initial rate
1.04%
then 4.34% (variable)
Monthly repayments
£473
Scheme fees
£909
Annual cost
£6,135
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 01/02/24
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 1.04% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £473 and 276 payments of £665. The total amount payable would be £195,801 made up of the loan amount plus interest (£69,892) and fees (£909). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/24
Initial rate
1.05%
then 3.59% (variable)
Monthly repayments
£474
Scheme fees
£1,199
Annual cost
£6,087
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 31/12/24
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 3 years at 1.05% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £473 and 264 payments of £612. The total amount payable would be £179,795 made up of the loan amount plus interest (£53,596) and fees (£1,199). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Barclays
Max LTV 60%:
Base +0.96% for 2 years
Initial rate
1.06%
then 3.59% (variable)
Monthly repayments
£474
Scheme fees
£0
Annual cost
£5,694
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 25% pa
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.06% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £474 and 276 payments of £618. The total amount payable would be £181,944 made up of the loan amount plus interest (£56,944) and fees (£0). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Yorkshire BS
Max LTV 65%:
Fixed to 29/02/24
Initial rate
1.06%
then 4.49% (variable)
Monthly repayments
£474
Scheme fees
£245
Annual cost
£5,816
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 29/02/24
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.06% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £474 and 276 payments of £675. The total amount payable would be £197,921 made up of the loan amount plus interest (£72,676) and fees (£245). The overall cost for comparison is 3.7% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Natwest
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.08%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£595
Annual cost
£6,005
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.08% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £475 and 276 payments of £619. The total amount payable would be £182,839 made up of the loan amount plus interest (£57,244) and fees (£595). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.08%
then 4.34% (variable)
Monthly repayments
£476
Scheme fees
£1,249
Annual cost
£6,332
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 31/12/23
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 1.08% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £475 and 276 payments of £666. The total amount payable would be £196,465 made up of the loan amount plus interest (£70,216) and fees (£1,249). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Natwest
Max LTV 70%:
Fixed to 29/02/24
Initial rate
1.08%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,205
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:
1.5% reducing to 0.75% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.08% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £475 and 276 payments of £619. The total amount payable would be £183,239 made up of the loan amount plus interest (£57,244) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Natwest
Max LTV 75%:
Fixed to 29/02/24
Initial rate
1.08%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,205
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:
1.5% reducing to 0.75% until 29/02/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.08% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £475 and 276 payments of £619. The total amount payable would be £183,239 made up of the loan amount plus interest (£57,244) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Clydesdale
Max LTV 75%:
Fixed to 31/12/23
Initial rate
1.09%
then 4.55% (variable)
Monthly repayments
£476
Scheme fees
£1,180
Annual cost
£6,304
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £181
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/12/23
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 2 years at 1.09% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £476 and 276 payments of £679. The total amount payable would be £200,008 made up of the loan amount plus interest (£73,828) and fees (£1,180). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Platform
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.09%
then 4.34% (variable)
Monthly repayments
£476
Scheme fees
£749
Annual cost
£6,089
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:
2% reducing to 1% until 31/12/23
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 1.09% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £476 and 276 payments of £666. The total amount payable would be £195,989 made up of the loan amount plus interest (£70,240) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/01/24
Initial rate
1.09%
then 3.54% (variable)
Monthly repayments
£476
Scheme fees
£0
Annual cost
£5,714
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:
2% reducing to 1% until 31/01/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.09% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £476 and 276 payments of £616. The total amount payable would be £181,440 made up of the loan amount plus interest (£56,440) 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
?
HSBC
Max LTV 60%:
Fixed to 31/01/25
Initial rate
1.09%
then 3.54% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,047
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 31/01/25
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 3 years at 1.09% and then on a variable rate of 3.54% for the remaining 22 years would require 36 payments of £476 and 264 payments of £609. The total amount payable would be £178,911 made up of the loan amount plus interest (£52,912) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/01/27
Initial rate
1.09%
then 3.54% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£5,914
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 31/01/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.09% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £476 and 240 payments of £597. The total amount payable would be £172,839 made up of the loan amount plus interest (£46,840) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Leeds
Max LTV 60%:
Fixed to 31/01/24
Initial rate
1.09%
then 5.29% (variable)
Monthly repayments
£476
Scheme fees
£1,999
Annual cost
£6,714
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 31/01/24
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 1.09% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £476 and 276 payments of £728. The total amount payable would be £214,351 made up of the loan amount plus interest (£87,352) and fees (£1,999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Coventry
Max LTV 50%:
Fixed to 31/12/23
Initial rate
1.09%
then 4.49% (variable)
Monthly repayments
£476
Scheme fees
£999
Annual cost
£6,214
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/23
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 1.09% 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 £198,723 made up of the loan amount plus interest (£72,724) and fees (£999). The overall cost for comparison is 3.9% APRC representative.
Max LTV 50% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Furness
Max LTV 80%:
4.05% discount for 2 years
Initial rate
1.09%
then 5.14% (variable)
Monthly repayments
£476
Scheme fees
£1,499
Annual cost
£6,464
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 5.14% for the remaining 23 years would require 24 payments of £476 and 276 payments of £718. The total amount payable would be £211,091 made up of the loan amount plus interest (£84,592) and fees (£1,499). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
TSB
Max LTV 60%:
Base +0.99% to 29/02/24
Initial rate
1.09%
then 3.59% (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 £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.09% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,263 made up of the loan amount plus interest (£57,268) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 28/02/25
Initial rate
1.09%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£995
Annual cost
£6,046
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 28/02/25
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 3 years at 1.09% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £476 and 264 payments of £612. The total amount payable would be £179,699 made up of the loan amount plus interest (£53,704) and fees (£995). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Platform
Max LTV 70%:
Fixed to 31/12/23
Initial rate
1.10%
then 4.34% (variable)
Monthly repayments
£477
Scheme fees
£749
Annual cost
£6,096
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:
2% reducing to 1% until 31/12/23
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 1.10% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £476 and 276 payments of £666. The total amount payable would be £195,989 made up of the loan amount plus interest (£70,240) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Platform
Max LTV 75%:
Fixed to 31/12/23
Initial rate
1.10%
then 4.34% (variable)
Monthly repayments
£477
Scheme fees
£749
Annual cost
£6,096
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:
2% reducing to 1% until 31/12/23
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 1.10% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £476 and 276 payments of £666. The total amount payable would be £195,989 made up of the loan amount plus interest (£70,240) and fees (£749). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/12/23
Initial rate
1.10%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£1,199
Annual cost
£6,321
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 31/12/23
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 2 years at 1.10% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,467 made up of the loan amount plus interest (£57,268) and fees (£1,199). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Barclays
Max LTV 60%:
Fixed to 30/11/24
Initial rate
1.10%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£999
Annual cost
£6,054
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 30/11/24
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 3 years at 1.10% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £476 and 264 payments of £612. The total amount payable would be £179,703 made up of the loan amount plus interest (£53,704) 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
?
Barclays
Max LTV 55%:
Fixed to 30/11/23
Initial rate
1.10%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£749
Annual cost
£6,096
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 30/11/23
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 1.10% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £476 and 276 payments of £619. The total amount payable would be £183,017 made up of the loan amount plus interest (£57,268) and fees (£749). The overall cost for comparison is 3.2% APRC representative.
Max LTV 55% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
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