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?
Skipton
Max LTV 60%:
Fixed to 30/04/23
Initial rate
1.14%
then 4.64% (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:
2% reducing to 1% until 30/04/23
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 1.14% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £479 and 276 payments of £685. The total amount payable would be £201,551 made up of the loan amount plus interest (£75,556) 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
?
Clydesdale
Max LTV 75%:
Fixed to 31/03/23
Initial rate
1.19%
then 4.55% (variable)
Monthly repayments
£482
Scheme fees
£2,180
Annual cost
£6,873
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £181
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/03/23
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 4.55% for the remaining 23 years would require 24 payments of £481 and 276 payments of £680. The total amount payable would be £201,404 made up of the loan amount plus interest (£74,224) and fees (£2,180). The overall cost for comparison is 4.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/05/23
Initial rate
1.24%
then 3.54% (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:
2% reducing to 1% until 31/05/23
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 3.54% for the remaining 23 years would require 24 payments of £484 and 276 payments of £616. The total amount payable would be £182,631 made up of the loan amount plus interest (£56,632) 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
1.24%
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:
2% reducing to 1% 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
?
TSB
Max LTV 60%:
Fixed to 31/05/23
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 31/05/23
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
?
Santander
Max LTV 60%:
Fixed to 02/05/23
Initial rate
1.25%
then 3.35% (variable)
Monthly repayments
£485
Scheme fees
£999
Annual cost
£6,324
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 02/05/23
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 1.25% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £485 and 276 payments of £605. The total amount payable would be £179,619 made up of the loan amount plus interest (£53,620) 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
?
Natwest
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.25%
then 3.59% (variable)
Monthly repayments
£485
Scheme fees
£995
Annual cost
£6,322
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/23
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 1.25% 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 £183,755 made up of the loan amount plus interest (£57,760) 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 60%:
Fixed to 31/05/23
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£999
Annual cost
£6,345
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/05/23
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 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,199
Annual cost
£6,445
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 31/03/23
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 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £184,007 made up of the loan amount plus interest (£57,808) 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
?
West Brom
Max LTV 60%:
Fixed to 30/04/23
Initial rate
1.29%
then 3.99% (variable)
Monthly repayments
£488
Scheme fees
£499
Annual cost
£6,102
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 30/04/23
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 1.29% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £487 and 276 payments of £645. The total amount payable would be £190,207 made up of the loan amount plus interest (£64,708) and fees (£499). The overall cost for comparison is 3.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.6% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/26
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£995
Annual cost
£6,086
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/26
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 1.34% 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 £175,115 made up of the loan amount plus interest (£49,120) and fees (£995). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/05/26
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% until 31/05/26
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 1.34% 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
?
Virgin Money
Max LTV 65%:
Fixed to 01/05/26
Initial rate
1.35%
then 4.34% (variable)
Monthly repayments
£491
Scheme fees
£1,409
Annual cost
£6,176
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/05/26
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 £185,429 made up of the loan amount plus interest (£59,020) and fees (£1,409). The overall cost for comparison is 3.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Leeds
Max LTV 60%:
Fixed to 29/02/24
Initial rate
1.35%
then 5.29% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4% reducing to 2% until 29/02/24
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 3 years at 1.35% and then on a variable rate of 5.29% for the remaining 22 years would require 36 payments of £491 and 264 payments of £719. The total amount payable would be £208,491 made up of the loan amount plus interest (£82,492) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.36%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£1,199
Annual cost
£6,301
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/03/24
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 1.36% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £491 and 264 payments of £614. The total amount payable would be £180,971 made up of the loan amount plus interest (£54,772) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/04/26
Initial rate
1.38%
then 4.64% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,114
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 30/04/26
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 1.38% 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
?
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
?
Virgin Money
Max LTV 65%:
Fixed to 01/05/26
Initial rate
1.39%
then 4.34% (variable)
Monthly repayments
£493
Scheme fees
£909
Annual cost
£6,104
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 01/05/26
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 1.39% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £493 and 240 payments of £644. The total amount payable would be £185,049 made up of the loan amount plus interest (£59,140) and fees (£909). The overall cost for comparison is 3.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Platform
Max LTV 60%:
Fixed to 30/04/26
Initial rate
1.39%
then 4.34% (variable)
Monthly repayments
£493
Scheme fees
£749
Annual cost
£6,072
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/26
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 1.39% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £493 and 240 payments of £644. The total amount payable would be £184,889 made up of the loan amount plus interest (£59,140) and fees (£749). 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 31/05/26
Initial rate
1.39%
then 3.54% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,122
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/05/26
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 3.54% for the remaining 20 years would require 60 payments of £493 and 240 payments of £601. The total amount payable would be £174,819 made up of the loan amount plus interest (£48,820) 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 5 years
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£999
Annual cost
£6,122
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% 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 1.39% 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 £175,539 made up of the loan amount plus interest (£49,540) 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
?
TSB
Max LTV 60%:
Fixed to 31/05/26
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 31/05/26
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
?
Santander
Max LTV 60%:
Fixed to 02/05/26
Initial rate
1.41%
then 3.35% (variable)
Monthly repayments
£495
Scheme fees
£999
Annual cost
£6,136
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 02/05/26
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 1.41% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £494 and 240 payments of £591. The total amount payable would be £172,479 made up of the loan amount plus interest (£46,480) and fees (£999). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/23
Initial rate
1.43%
then 3.59% (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 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 1.43% 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 £184,271 made up of the loan amount plus interest (£58,276) 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 31/05/23
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
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 31/05/23
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 1.44% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £621. The total amount payable would be £184,299 made up of the loan amount plus interest (£58,300) 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
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
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% 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 1.44% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £621. The total amount payable would be £184,299 made up of the loan amount plus interest (£58,300) 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 28/02/23
Initial rate
1.45%
then 5.29% (variable)
Monthly repayments
£497
Scheme fees
£1,999
Annual cost
£6,963
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 28/02/23
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 1.45% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £496 and 276 payments of £731. The total amount payable would be £215,659 made up of the loan amount plus interest (£88,660) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/04/23
Initial rate
1.45%
then 4.64% (variable)
Monthly repayments
£497
Scheme fees
£995
Annual cost
£6,461
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/04/23
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 1.45% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £496 and 276 payments of £687. The total amount payable would be £202,511 made up of the loan amount plus interest (£76,516) 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
?
Leeds
Max LTV 65%:
Fixed to 28/02/23
Initial rate
1.48%
then 5.29% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,485
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 28/02/23
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 1.48% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £498 and 276 payments of £731. The total amount payable would be £214,707 made up of the loan amount plus interest (£88,708) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£1,199
Annual cost
£6,585
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 31/03/23
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 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,547 made up of the loan amount plus interest (£58,348) 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
?
Leeds
Max LTV 75%:
Fixed to 28/02/23
Initial rate
1.49%
then 5.29% (variable)
Monthly repayments
£499
Scheme fees
£1,999
Annual cost
£6,991
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 28/02/23
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 1.49% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £499 and 276 payments of £731. The total amount payable would be £215,731 made up of the loan amount plus interest (£88,732) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/05/24
Initial rate
1.49%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
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 31/05/24
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 3 years at 1.49% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £499 and 264 payments of £616. The total amount payable would be £181,587 made up of the loan amount plus interest (£55,588) 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
?
Clydesdale
Max LTV 75%:
Fixed to 31/03/23
Initial rate
1.49%
then 4.55% (variable)
Monthly repayments
£499
Scheme fees
£1,180
Annual cost
£6,582
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 31/03/23
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 1.49% and then on a variable rate of 4.55% for the remaining 23 years would require 24 payments of £499 and 276 payments of £682. The total amount payable would be £201,388 made up of the loan amount plus interest (£75,208) 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
?
Hinckley & Rugby
Max LTV 60%:
4.40% discount for 2 years
Initial rate
1.49%
then 5.89% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
Fees and charges
Booking fee £199
Arrangement fee £800
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £150
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.49% and then on a variable rate of 5.89% for the remaining 22 years would require 36 payments of £499 and 264 payments of £760. The total amount payable would be £219,603 made up of the loan amount plus interest (£93,604) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.4% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/05/23
Initial rate
1.50%
then 4.49% (variable)
Monthly repayments
£500
Scheme fees
£1,675
Annual cost
£6,837
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 31/05/23
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 1.50% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £499 and 276 payments of £678. The total amount payable would be £200,779 made up of the loan amount plus interest (£74,104) 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
?
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.50%
then 4.74% (variable)
Monthly repayments
£500
Scheme fees
£909
Annual cost
£6,454
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £204,429 made up of the loan amount plus interest (£78,520) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Leeds
Max LTV 75%:
Fixed to 28/02/23
Initial rate
1.53%
then 5.29% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,520
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 28/02/23
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 1.53% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £501 and 276 payments of £731. The total amount payable would be £214,779 made up of the loan amount plus interest (£88,780) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
West Brom
Max LTV 75%:
Fixed to 30/04/23
Initial rate
1.54%
then 3.99% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 30/04/23
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 1.54% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £502 and 276 payments of £646. The total amount payable would be £191,343 made up of the loan amount plus interest (£65,344) and fees (£999). 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 70%:
Fixed to 31/05/23
Initial rate
1.54%
then 3.54% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 31/05/23
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 1.54% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £502 and 276 payments of £618. The total amount payable would be £183,615 made up of the loan amount plus interest (£57,616) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/05/23
Initial rate
1.54%
then 3.54% (variable)
Monthly repayments
£502
Scheme fees
£999
Annual cost
£6,527
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 31/05/23
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 1.54% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £502 and 276 payments of £618. The total amount payable would be £183,615 made up of the loan amount plus interest (£57,616) 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
?
Halifax
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£200
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
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 1.56% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £621. The total amount payable would be £183,668 made up of the loan amount plus interest (£58,468) and fees (£200). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£1,199
Annual cost
£6,441
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/03/24
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 1.56% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £503 and 264 payments of £616. The total amount payable would be £181,931 made up of the loan amount plus interest (£55,732) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Base +1.47% for 2 years
Initial rate
1.57%
then 4.64% (variable)
Monthly repayments
£504
Scheme fees
£1,246
Annual cost
£6,671
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £251
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 1.57% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £504 and 276 payments of £688. The total amount payable would be £203,230 made up of the loan amount plus interest (£76,984) and fees (£1,246). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Natwest
Max LTV 70%:
Fixed to 30/06/23
Initial rate
1.57%
then 3.59% (variable)
Monthly repayments
£504
Scheme fees
£995
Annual cost
£6,546
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/23
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 1.57% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £504 and 276 payments of £621. The total amount payable would be £184,487 made up of the loan amount plus interest (£58,492) 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 30/06/23
Initial rate
1.57%
then 3.59% (variable)
Monthly repayments
£504
Scheme fees
£995
Annual cost
£6,546
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 30/06/23
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 1.57% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £504 and 276 payments of £621. The total amount payable would be £184,487 made up of the loan amount plus interest (£58,492) 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
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£0
Annual cost
£6,063
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £182,688 made up of the loan amount plus interest (£57,688) 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
?
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£490
Annual cost
£6,161
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 1.59% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £505 and 240 payments of £604. The total amount payable would be £175,750 made up of the loan amount plus interest (£50,260) and fees (£490). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Nationwide
Max LTV 75%:
Fixed for 2 years
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% 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 1.59% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £505 and 276 payments of £621. The total amount payable would be £184,515 made up of the loan amount plus interest (£58,516) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
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