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Mortgages

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?
Halifax
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.08%
then 3.59% (variable)
Monthly repayments
£476
Scheme fees
£1,195
Annual cost
£6,305
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 31/08/23
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 1.08% 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 £183,439 made up of the loan amount plus interest (£57,244) 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
?
Halifax
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.11%
then 3.59% (variable)
Monthly repayments
£477
Scheme fees
£1,199
Annual cost
£6,328
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 30/06/23
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 1.11% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £477 and 276 payments of £619. The total amount payable would be £183,491 made up of the loan amount plus interest (£57,292) 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
?
Skipton
Max LTV 60%:
Fixed to 31/07/23
Initial rate
1.13%
then 4.64% (variable)
Monthly repayments
£478
Scheme fees
£995
Annual cost
£6,239
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 31/07/23
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.13% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £478 and 276 payments of £685. The total amount payable would be £201,527 made up of the loan amount plus interest (£75,532) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Santander
Max LTV 60%:
Fixed to 02/08/23
Initial rate
1.13%
then 3.35% (variable)
Monthly repayments
£478
Scheme fees
£999
Annual cost
£6,241
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 02/08/23
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 1.13% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £478 and 276 payments of £604. The total amount payable would be £179,175 made up of the loan amount plus interest (£53,176) 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 31/08/23
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? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/08/23
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 1.14% 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 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.14%
then 3.59% (variable)
Monthly repayments
£479
Scheme fees
£745
Annual cost
£6,121
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 31/08/23
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 1.14% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £479 and 276 payments of £619. The total amount payable would be £183,085 made up of the loan amount plus interest (£57,340) and fees (£745). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
West Brom
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.19%
then 3.99% (variable)
Monthly repayments
£482
Scheme fees
£1,495
Annual cost
£6,531
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/06/23
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 1.19% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £481 and 276 payments of £644. The total amount payable would be £190,783 made up of the loan amount plus interest (£64,288) and fees (£1,495). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/24
Initial rate
1.20%
then 3.59% (variable)
Monthly repayments
£482
Scheme fees
£1,199
Annual cost
£6,190
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 30/06/24
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 1.20% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £482 and 264 payments of £613. The total amount payable would be £180,383 made up of the loan amount plus interest (£54,184) 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%:
Fixed to 31/08/23
Initial rate
1.22%
then 3.59% (variable)
Monthly repayments
£484
Scheme fees
£999
Annual cost
£6,303
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 31/08/23
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 1.22% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £483 and 276 payments of £619. The total amount payable would be £183,435 made up of the loan amount plus interest (£57,436) 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
?
TSB
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.24%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£995
Annual cost
£6,315
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 31/08/23
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 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,455 made up of the loan amount plus interest (£57,460) 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
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£490
Annual cost
£6,062
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 1.24% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,122 made up of the loan amount plus interest (£56,632) and fees (£490). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.24%
then 3.54% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,017
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 31/08/26
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 1.24% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £484 and 240 payments of £599. The total amount payable would be £173,799 made up of the loan amount plus interest (£47,800) 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
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.24%
then 3.59% (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:
1.5% 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 1.24% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £484 and 276 payments of £619. The total amount payable would be £183,459 made up of the loan amount plus interest (£57,460) 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 31/08/26
Initial rate
1.25%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£1,195
Annual cost
£6,063
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:
5% reducing to 1% until 31/08/26
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 1.25% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £485 and 240 payments of £602. The total amount payable would be £174,775 made up of the loan amount plus interest (£48,580) and fees (£1,195). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Natwest
Max LTV 70%:
Fixed to 31/08/23
Initial rate
1.25%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£1,495
Annual cost
£6,572
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% reducing to 0.75% until 31/08/23
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 1.25% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £485 and 276 payments of £620. The total amount payable would be £184,255 made up of the loan amount plus interest (£57,760) and fees (£1,495). 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 60%:
Fixed to 31/08/26
Initial rate
1.27%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£745
Annual cost
£5,987
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:
4.5% reducing to 1% until 31/08/26
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 1.27% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £486 and 240 payments of £602. The total amount payable would be £174,385 made up of the loan amount plus interest (£48,640) and fees (£745). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Santander
Max LTV 60%:
Fixed to 02/08/26
Initial rate
1.27%
then 3.35% (variable)
Monthly repayments
£487
Scheme fees
£749
Annual cost
£5,988
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 02/08/26
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 1.27% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £486 and 240 payments of £589. The total amount payable would be £171,269 made up of the loan amount plus interest (£45,520) and fees (£749). The overall cost for comparison is 2.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/26
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,199
Annual cost
£6,085
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:
5% reducing to 1% until 30/06/26
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 1.28% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £487 and 240 payments of £602. The total amount payable would be £174,899 made up of the loan amount plus interest (£48,700) and fees (£1,199). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.31%
then 3.59% (variable)
Monthly repayments
£489
Scheme fees
£1,199
Annual cost
£6,466
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 30/06/23
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 1.31% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £488 and 276 payments of £620. The total amount payable would be £184,031 made up of the loan amount plus interest (£57,832) 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
?
Halifax
Max LTV 75%:
Fixed to 30/06/23
Initial rate
1.31%
then 3.59% (variable)
Monthly repayments
£489
Scheme fees
£1,199
Annual cost
£6,466
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 30/06/23
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 1.31% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £488 and 276 payments of £620. The total amount payable would be £184,031 made up of the loan amount plus interest (£57,832) 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 60%:
Fixed to 02/08/23
Initial rate
1.34%
then 3.35% (variable)
Monthly repayments
£491
Scheme fees
£249
Annual cost
£6,011
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/08/23
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 1.34% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £490 and 276 payments of £605. The total amount payable would be £178,989 made up of the loan amount plus interest (£53,740) and fees (£249). 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 30/06/23
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? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/06/23
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 1.34% 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% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/08/23
Initial rate
1.34%
then 3.54% (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:
2% reducing to 1% until 31/08/23
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 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.34%
then 3.54% (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:
2% reducing to 1% until 31/08/23
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 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) 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
?
TSB
Max LTV 60%:
Fixed to 31/08/24
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£995
Annual cost
£6,219
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 31/08/23
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 1.34% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £490 and 264 payments of £614. The total amount payable would be £180,731 made up of the loan amount plus interest (£54,736) 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
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,087
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 0.75% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.34% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £490 and 240 payments of £603. The total amount payable would be £175,119 made up of the loan amount plus interest (£49,120) and fees (£999). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.34%
then 3.59% (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:
1.5% 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 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,879 made up of the loan amount plus interest (£57,880) 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
?
Leeds
Max LTV 65%:
Fixed to 31/07/23
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% until 31/07/23
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 01/08/26
Initial rate
1.35%
then 4.34% (variable)
Monthly repayments
£491
Scheme fees
£909
Annual cost
£6,076
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/26
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 1.35% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £491 and 240 payments of £644. The total amount payable would be £184,929 made up of the loan amount plus interest (£59,020) and fees (£909). The overall cost for comparison is 3.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Clydesdale
Max LTV 75%:
Fixed to 31/07/23
Initial rate
1.37%
then 4.55% (variable)
Monthly repayments
£492
Scheme fees
£1,180
Annual cost
£6,498
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 31/07/23
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 1.37% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £492 and 276 payments of £681. The total amount payable would be £200,944 made up of the loan amount plus interest (£74,764) 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
?
Skipton
Max LTV 60%:
Fixed to 31/07/26
Initial rate
1.37%
then 4.64% (variable)
Monthly repayments
£492
Scheme fees
£995
Annual cost
£6,107
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 2% until 31/07/26
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.37% and then on a variable rate of 4.64% for the remaining 20 years would require 60 payments of £492 and 240 payments of £661. The total amount payable would be £189,155 made up of the loan amount plus interest (£63,160) 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
?
Barclays
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.38%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,414
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 31/08/23
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 1.38% 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 £183,927 made up of the loan amount plus interest (£57,928) 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
?
Principality
Max LTV 65%:
Fixed to 30/09/23
Initial rate
1.38%
then 4.40% (variable)
Monthly repayments
£493
Scheme fees
£895
Annual cost
£6,362
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1.5% until 30/09/23
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 1.38% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £492 and 276 payments of £671. The total amount payable would be £197,899 made up of the loan amount plus interest (£72,004) and fees (£895). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
HSBC
Max LTV 60%:
Base +1.29% 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 3.3% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 75%:
Fixed to 31/08/23
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 31/08/23
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 1.39% 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 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
TSB
Max LTV 60%:
Fixed to 31/08/26
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,121
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 31/08/26
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 1.39% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £493 and 240 payments of £604. The total amount payable would be £175,535 made up of the loan amount plus interest (£49,540) 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
?
Natwest
Max LTV 75%:
Fixed to 31/08/23
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£795
Annual cost
£6,319
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 31/08/23
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 1.39% 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 £183,747 made up of the loan amount plus interest (£57,952) and fees (£795). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
West Brom
Max LTV 75%:
2.60% discount to 30/06/23
Initial rate
1.39%
then 3.99% (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 £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.39% 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 £190,851 made up of the loan amount plus interest (£64,852) and fees (£999). The overall cost for comparison is 3.6% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.6% APRC
?
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£490
Annual cost
£6,020
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.39% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £493 and 240 payments of £601. The total amount payable would be £174,310 made up of the loan amount plus interest (£48,820) and fees (£490). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/24
Initial rate
1.39%
then 3.35% (variable)
Monthly repayments
£493
Scheme fees
£249
Annual cost
£6,046
Fees and charges
Booking fee £0
Arrangement fee £499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/24
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 3.35% for the remaining 23 years would require 24 payments of £493 and 276 payments of £606. The total amount payable would be £179,337 made up of the loan amount plus interest (£54,088) and fees (£249). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Santander
Max LTV 75%:
Fixed to 02/08/23
Initial rate
1.39%
then 3.35% (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 02/08/23
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 1.39% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £493 and 276 payments of £606. The total amount payable would be £179,837 made up of the loan amount plus interest (£54,088) and fees (£749). The overall cost for comparison is 3.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/07/23
Initial rate
1.39%
then 4.64% (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 31/07/23
Other info
Exit fee £95
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 4.64% for the remaining 23 years would require 24 payments of £493 and 276 payments of £687. The total amount payable would be £202,439 made up of the loan amount plus interest (£76,444) and fees (£995). The overall cost for comparison is 3.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£200
Annual cost
£6,022
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 31/08/23
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 1.39% 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 £183,152 made up of the loan amount plus interest (£57,952) 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
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/23
Initial rate
1.40%
then 4.49% (variable)
Monthly repayments
£494
Scheme fees
£1,675
Annual cost
£6,766
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £180
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2.5% reducing to 1.5% until 31/07/23
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 £200,383 made up of the loan amount plus interest (£73,708) and fees (£1,675). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/24
Initial rate
1.40%
then 3.59% (variable)
Monthly repayments
£494
Scheme fees
£1,199
Annual cost
£6,329
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 30/06/24
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 1.40% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £494 and 264 payments of £615. The total amount payable would be £181,343 made up of the loan amount plus interest (£55,144) 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 31/08/26
Initial rate
1.40%
then 3.59% (variable)
Monthly repayments
£494
Scheme fees
£999
Annual cost
£6,129
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 31/08/26
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 1.40% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £494 and 240 payments of £604. The total amount payable would be £175,599 made up of the loan amount plus interest (£49,600) 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
?
Halifax
Max LTV 75%:
Fixed to 30/06/23
Initial rate
1.41%
then 3.59% (variable)
Monthly repayments
£495
Scheme fees
£1,199
Annual cost
£6,535
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 30/06/23
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 1.41% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £494 and 276 payments of £620. The total amount payable would be £184,175 made up of the loan amount plus interest (£57,976) 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
?
Principality
Max LTV 75%:
Fixed to 30/09/23
Initial rate
1.43%
then 4.40% (variable)
Monthly repayments
£496
Scheme fees
£895
Annual cost
£6,397
Fees and charges
Booking fee £0
Arrangement fee £895
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1.5% until 30/09/23
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 1.43% and then on a variable rate of 4.40% for the remaining 23 years would require 24 payments of £495 and 276 payments of £672. The total amount payable would be £198,247 made up of the loan amount plus interest (£72,352) and fees (£895). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/07/23
Initial rate
1.43%
then 4.64% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,447
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 31/07/23
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.43% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £495 and 276 payments of £687. The total amount payable would be £202,487 made up of the loan amount plus interest (£76,492) and fees (£995). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/08/23
Initial rate
1.43%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£795
Annual cost
£6,347
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1.5% reducing to 0.75% until 31/08/23
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 1.43% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £495 and 276 payments of £621. The total amount payable would be £184,071 made up of the loan amount plus interest (£58,276) and fees (£795). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
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