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Mortgages

L&C Mortgages are the uk's leading fee free mortgage broker and will help you find the right mortgage deal. Most importantly unlike many other brokers we won’t charge you a fee, whether you proceed with the application or not.

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?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 5.24% (variable)
Monthly repayments
£501
Scheme fees
£1,945
Annual cost
£6,986
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
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 5.24% for the remaining 23 years would require 24 payments of £501 and 276 payments of £728. The total amount payable would be £214,897 made up of the loan amount plus interest (£87,952) and fees (£1,945). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Furness
Max LTV 80%:
4.20% discount for 2 years
Initial rate
1.69%
then 5.89% (variable)
Monthly repayments
£511
Scheme fees
£1,048
Annual cost
£6,658
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.69% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £511 and 276 payments of £773. The total amount payable would be £226,660 made up of the loan amount plus interest (£100,612) and fees (£1,048). The overall cost for comparison is 5.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.77%
then 5.24% (variable)
Monthly repayments
£516
Scheme fees
£1,945
Annual cost
£7,164
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.77% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £515 and 276 payments of £729. The total amount payable would be £215,509 made up of the loan amount plus interest (£88,564) and fees (£1,945). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 3 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£1,149
Annual cost
£6,625
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 1.84% and then on a variable rate of 4.10% for the remaining 22 years would require 36 payments of £520 and 264 payments of £649. The total amount payable would be £191,205 made up of the loan amount plus interest (£65,056) and fees (£1,149). The overall cost for comparison is 3.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Newbury
Max LTV 75%:
2.26% discount for 5 years
Initial rate
1.84%
then 4.10% (variable)
Monthly repayments
£520
Scheme fees
£1,149
Annual cost
£6,471
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 1.84% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £520 and 240 payments of £637. The total amount payable would be £185,229 made up of the loan amount plus interest (£59,080) and fees (£1,149). The overall cost for comparison is 2.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
West Brom
Max LTV 60%:
2.60% discount to 31/08/24
Initial rate
1.99%
then 4.59% (variable)
Monthly repayments
£529
Scheme fees
£999
Annual cost
£6,850
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £529 and 276 payments of £687. The total amount payable would be £203,307 made up of the loan amount plus interest (£77,308) and fees (£999). The overall cost for comparison is 4.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 4.2% APRC
?
Yorkshire BS
Max LTV 75%:
Base +0.74% to 30/09/24
Initial rate
1.99%
then 4.99% (variable)
Monthly repayments
£529
Scheme fees
£1,294
Annual cost
£6,998
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.99% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £529 and 276 payments of £714. The total amount payable would be £211,054 made up of the loan amount plus interest (£84,760) and fees (£1,294). The overall cost for comparison is 3.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Suffolk BS
Max LTV 80%:
3.54% discount for 2 years
Initial rate
2.00%
then 5.54% (variable)
Monthly repayments
£530
Scheme fees
£699
Annual cost
£6,707
Fees and charges
Booking fee £199
Arrangement fee £500
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.00% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £529 and 276 payments of £751. The total amount payable would be £220,671 made up of the loan amount plus interest (£94,972) and fees (£699). The overall cost for comparison is 4.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.7% APRC
?
Barclays
Max LTV 60%:
Base +0.75% for 2 years
Initial rate
2.00%
then 4.74% (variable)
Monthly repayments
£530
Scheme fees
£1,048
Annual cost
£6,882
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.00% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £529 and 276 payments of £697. The total amount payable would be £206,116 made up of the loan amount plus interest (£80,068) and fees (£1,048). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.2% APRC
?
HSBC
Max LTV 60%:
Base +0.79% for 2 years
Initial rate
2.04%
then 4.04% (variable)
Monthly repayments
£532
Scheme fees
£999
Annual cost
£6,887
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.04% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £532 and 276 payments of £652. The total amount payable would be £193,719 made up of the loan amount plus interest (£67,720) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Furness
Max LTV 90%:
3.85% discount for 2 years
Initial rate
2.04%
then 5.89% (variable)
Monthly repayments
£532
Scheme fees
£49
Annual cost
£6,412
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.04% and then on a variable rate of 5.89% for the remaining 23 years would require 24 payments of £532 and 276 payments of £776. The total amount payable would be £226,993 made up of the loan amount plus interest (£101,944) and fees (£49). The overall cost for comparison is 5.1% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
Yorkshire BS
Max LTV 80%:
Base +0.84% to 30/09/24
Initial rate
2.09%
then 4.99% (variable)
Monthly repayments
£535
Scheme fees
£1,294
Annual cost
£7,071
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £535 and 276 payments of £714. The total amount payable would be £211,198 made up of the loan amount plus interest (£84,904) and fees (£1,294). The overall cost for comparison is 3.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
Vernon
Max LTV 75%:
3.51% discount for 2 years
Initial rate
2.09%
then 5.60% (variable)
Monthly repayments
£535
Scheme fees
£99
Annual cost
£6,473
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.09% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £535 and 276 payments of £756. The total amount payable would be £221,595 made up of the loan amount plus interest (£96,496) and fees (£99). The overall cost for comparison is 4.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Newbury
Max LTV 85%:
1.96% discount for 5 years
Initial rate
2.14%
then 4.10% (variable)
Monthly repayments
£538
Scheme fees
£850
Annual cost
£6,631
Fees and charges
Booking fee £0
Arrangement fee £850
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.14% and then on a variable rate of 4.10% for the remaining 20 years would require 60 payments of £538 and 240 payments of £642. The total amount payable would be £187,210 made up of the loan amount plus interest (£61,360) and fees (£850). The overall cost for comparison is 3.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Yorkshire BS
Max LTV 85%:
Base +0.89% to 30/09/24
Initial rate
2.14%
then 4.99% (variable)
Monthly repayments
£538
Scheme fees
£1,294
Annual cost
£7,108
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £538 and 276 payments of £715. The total amount payable would be £211,546 made up of the loan amount plus interest (£85,252) and fees (£1,294). The overall cost for comparison is 3.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 3.9% APRC
?
West Brom
Max LTV 80%:
2.45% discount to 31/08/24
Initial rate
2.14%
then 4.59% (variable)
Monthly repayments
£538
Scheme fees
£999
Annual cost
£6,960
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.14% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £538 and 276 payments of £688. The total amount payable would be £203,799 made up of the loan amount plus interest (£77,800) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Beverley BS
Max LTV 80%:
2.80% discount for 2 years
Initial rate
2.19%
then 5.24% (variable)
Monthly repayments
£541
Scheme fees
£50
Annual cost
£6,523
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £541 and 276 payments of £732. The total amount payable would be £215,066 made up of the loan amount plus interest (£90,016) and fees (£50). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 3 years
Initial rate
2.19%
then 5.60% (variable)
Monthly repayments
£541
Scheme fees
£99
Annual cost
£6,531
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% for 3 years
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 3 years at 2.19% and then on a variable rate of 5.60% for the remaining 22 years would require 36 payments of £541 and 264 payments of £747. The total amount payable would be £216,783 made up of the loan amount plus interest (£91,684) and fees (£99). The overall cost for comparison is 4.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.6% APRC
?
Vernon
Max LTV 80%:
3.41% discount for 2 years
Initial rate
2.19%
then 5.60% (variable)
Monthly repayments
£541
Scheme fees
£99
Annual cost
£6,547
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.19% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £541 and 276 payments of £756. The total amount payable would be £221,739 made up of the loan amount plus interest (£96,640) and fees (£99). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Barclays
Max LTV 75%:
Base +0.95% for 2 years
Initial rate
2.20%
then 4.74% (variable)
Monthly repayments
£542
Scheme fees
£1,048
Annual cost
£7,029
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.20% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £542 and 276 payments of £698. The total amount payable would be £206,704 made up of the loan amount plus interest (£80,656) and fees (£1,048). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Nationwide
Max LTV 60%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.49% (variable)
Monthly repayments
£545
Scheme fees
£798
Annual cost
£6,933
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £544 and 276 payments of £682. The total amount payable would be £202,086 made up of the loan amount plus interest (£76,288) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Leek United
Max LTV 75%:
3.45% discount for 2 years
Initial rate
2.24%
then 5.69% (variable)
Monthly repayments
£545
Scheme fees
£794
Annual cost
£6,931
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £544 and 276 payments of £763. The total amount payable would be £224,438 made up of the loan amount plus interest (£98,644) and fees (£794). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
HSBC
Max LTV 70%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.04% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £544 and 276 payments of £653. The total amount payable would be £194,283 made up of the loan amount plus interest (£68,284) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 70% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
HSBC
Max LTV 75%:
Base +0.99% for 2 years
Initial rate
2.24%
then 4.04% (variable)
Monthly repayments
£545
Scheme fees
£999
Annual cost
£7,034
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.24% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £544 and 276 payments of £653. The total amount payable would be £194,283 made up of the loan amount plus interest (£68,284) and fees (£999). The overall cost for comparison is 3.8% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Vernon
Max LTV 80%:
3.31% discount for 5 years
Initial rate
2.29%
then 5.60% (variable)
Monthly repayments
£548
Scheme fees
£99
Annual cost
£6,591
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £200
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.29% and then on a variable rate of 5.60% for the remaining 20 years would require 60 payments of £547 and 240 payments of £730. The total amount payable would be £208,119 made up of the loan amount plus interest (£83,020) and fees (£99). The overall cost for comparison is 4.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.1% APRC
?
Nationwide
Max LTV 75%:
Base +1.04% for 2 years
Initial rate
2.29%
then 4.49% (variable)
Monthly repayments
£548
Scheme fees
£798
Annual cost
£6,971
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £547 and 276 payments of £682. The total amount payable would be £202,158 made up of the loan amount plus interest (£76,360) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 75% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Tipton & Coseley
Max LTV 75%:
3.35% discount for 2 years
Initial rate
2.29%
then 5.64% (variable)
Monthly repayments
£548
Scheme fees
£999
Annual cost
£7,071
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 £90
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.29% and then on a variable rate of 5.64% for the remaining 23 years would require 24 payments of £547 and 276 payments of £760. The total amount payable would be £223,887 made up of the loan amount plus interest (£97,888) and fees (£999). The overall cost for comparison is 5.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.0% APRC
?
Leek United
Max LTV 85%:
3.39% discount for 2 years
Initial rate
2.30%
then 5.69% (variable)
Monthly repayments
£548
Scheme fees
-£101
Annual cost
£6,529
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.30% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £548 and 276 payments of £763. The total amount payable would be £223,639 made up of the loan amount plus interest (£98,740) and fees (-£101). The overall cost for comparison is 4.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
West Brom
Max LTV 85%:
2.25% discount to 31/08/24
Initial rate
2.34%
then 4.59% (variable)
Monthly repayments
£551
Scheme fees
£999
Annual cost
£7,109
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.34% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £550 and 276 payments of £689. The total amount payable would be £204,363 made up of the loan amount plus interest (£78,364) and fees (£999). The overall cost for comparison is 4.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 4.3% APRC
?
Suffolk BS
Max LTV 90%:
3.19% discount for 2 years
Initial rate
2.35%
then 5.54% (variable)
Monthly repayments
£551
Scheme fees
£1,198
Annual cost
£7,216
Fees and charges
Booking fee £199
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.35% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £551 and 276 payments of £753. The total amount payable would be £222,250 made up of the loan amount plus interest (£96,052) and fees (£1,198). The overall cost for comparison is 4.8% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Stafford Railway
Max LTV 75%:
0.96% discount for 2 years
Initial rate
2.39%
then 3.35% (variable)
Monthly repayments
£554
Scheme fees
£1,179
Annual cost
£7,236
Fees and charges
Booking fee £0
Arrangement fee £625
Valuation fee £255
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.39% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £553 and 276 payments of £611. The total amount payable would be £183,087 made up of the loan amount plus interest (£56,908) and fees (£1,179). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Beverley BS
Max LTV 80%:
2.80% discount for 2 years
Initial rate
2.44%
then 5.24% (variable)
Monthly repayments
£557
Scheme fees
£50
Annual cost
£6,709
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £50
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.44% and then on a variable rate of 5.24% for the remaining 23 years would require 24 payments of £557 and 276 payments of £733. The total amount payable would be £215,726 made up of the loan amount plus interest (£90,676) and fees (£50). The overall cost for comparison is 4.4% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Leek United
Max LTV 90%:
3.14% discount for 2 years
Initial rate
2.45%
then 5.69% (variable)
Monthly repayments
£558
Scheme fees
-£101
Annual cost
£6,641
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £400
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.45% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £557 and 276 payments of £764. The total amount payable would be £224,131 made up of the loan amount plus interest (£99,232) and fees (-£101). The overall cost for comparison is 4.9% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Suffolk BS
Max LTV 80%:
3.09% discount for 2 years
Initial rate
2.45%
then 5.54% (variable)
Monthly repayments
£558
Scheme fees
£1,198
Annual cost
£7,291
Fees and charges
Booking fee £199
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 50%
Early Repayment Charge:
1% for 1 year
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.45% and then on a variable rate of 5.54% for the remaining 23 years would require 24 payments of £557 and 276 payments of £754. The total amount payable would be £222,670 made up of the loan amount plus interest (£96,472) and fees (£1,198). The overall cost for comparison is 4.8% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.8% APRC
?
Barclays
Max LTV 75%:
Base +1.22% for 2 years
Initial rate
2.47%
then 4.74% (variable)
Monthly repayments
£559
Scheme fees
£1,798
Annual cost
£7,606
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.47% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £558 and 276 payments of £700. The total amount payable would be £208,390 made up of the loan amount plus interest (£81,592) and fees (£1,798). The overall cost for comparison is 4.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Yorkshire BS
Max LTV 90%:
Base +1.24% to 30/09/24
Initial rate
2.49%
then 4.99% (variable)
Monthly repayments
£560
Scheme fees
£1,294
Annual cost
£7,369
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% until 30/09/24
Other info
Exit fee £90
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.49% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £560 and 276 payments of £717. The total amount payable would be £212,626 made up of the loan amount plus interest (£86,332) and fees (£1,294). The overall cost for comparison is 4.0% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Barclays
Max LTV 75%:
Base +1.25% for 5 years
Initial rate
2.50%
then 4.74% (variable)
Monthly repayments
£561
Scheme fees
£1,798
Annual cost
£7,089
Fees and charges
Booking fee £0
Arrangement fee £1,749
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
1% for 5 years
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 5 years at 2.50% and then on a variable rate of 4.74% for the remaining 20 years would require 60 payments of £560 and 240 payments of £683. The total amount payable would be £199,318 made up of the loan amount plus interest (£72,520) and fees (£1,798). The overall cost for comparison is 3.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Mansfield
Max LTV 80%:
3.46% discount for 2 years
Initial rate
2.53%
then 5.99% (variable)
Monthly repayments
£563
Scheme fees
£499
Annual cost
£7,001
Fees and charges
Booking fee £199
Arrangement fee £300
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.53% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £562 and 276 payments of £786. The total amount payable would be £230,923 made up of the loan amount plus interest (£105,424) and fees (£499). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Barclays
Max LTV 80%:
Base +1.29% for 2 years
Initial rate
2.54%
then 4.74% (variable)
Monthly repayments
£563
Scheme fees
£1,048
Annual cost
£7,283
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.54% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £563 and 276 payments of £700. The total amount payable would be £207,760 made up of the loan amount plus interest (£81,712) and fees (£1,048). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Leek United
Max LTV 75%:
3.15% discount for 2 years
Initial rate
2.54%
then 5.69% (variable)
Monthly repayments
£563
Scheme fees
£299
Annual cost
£6,909
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:
1% reducing to 0.5% for 2 years
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.54% and then on a variable rate of 5.69% for the remaining 23 years would require 24 payments of £563 and 276 payments of £765. The total amount payable would be £224,951 made up of the loan amount plus interest (£99,652) and fees (£299). The overall cost for comparison is 5.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.1% APRC
?
West Brom
Max LTV 90%:
2.05% discount to 31/08/24
Initial rate
2.54%
then 4.59% (variable)
Monthly repayments
£563
Scheme fees
£999
Annual cost
£7,259
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.54% and then on a variable rate of 4.59% for the remaining 23 years would require 24 payments of £563 and 276 payments of £690. The total amount payable would be £204,951 made up of the loan amount plus interest (£78,952) and fees (£999). The overall cost for comparison is 4.4% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 4.4% APRC
?
Nationwide
Max LTV 80%:
Base +1.34% for 2 years
Initial rate
2.59%
then 4.49% (variable)
Monthly repayments
£566
Scheme fees
£798
Annual cost
£7,196
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.59% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £566 and 276 payments of £684. The total amount payable would be £203,166 made up of the loan amount plus interest (£77,368) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
Nationwide
Max LTV 85%:
Base +1.34% for 2 years
Initial rate
2.59%
then 4.49% (variable)
Monthly repayments
£566
Scheme fees
£798
Annual cost
£7,196
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.59% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £566 and 276 payments of £684. The total amount payable would be £203,166 made up of the loan amount plus interest (£77,368) and fees (£798). The overall cost for comparison is 3.7% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.7% APRC
?
HSBC
Max LTV 80%:
Base +1.34% for 2 years
Initial rate
2.59%
then 4.04% (variable)
Monthly repayments
£566
Scheme fees
£999
Annual cost
£7,297
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.59% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £566 and 276 payments of £655. The total amount payable would be £195,363 made up of the loan amount plus interest (£69,364) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 80% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 85%:
Base +1.34% for 2 years
Initial rate
2.59%
then 4.04% (variable)
Monthly repayments
£566
Scheme fees
£999
Annual cost
£7,297
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.59% and then on a variable rate of 4.04% for the remaining 23 years would require 24 payments of £566 and 276 payments of £655. The total amount payable would be £195,363 made up of the loan amount plus interest (£69,364) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 85% No Early Repayment Charges
Overall cost for comparison 3.3% APRC
?
Allied Irish Bank
Max LTV 90%:
Fixed to 31/08/24
Initial rate
2.60%
then 4.45% (variable)
Monthly repayments
£567
Scheme fees
£200
Annual cost
£6,905
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/08/24
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.60% and then on a variable rate of 4.45% for the remaining 23 years would require 24 payments of £567 and 276 payments of £682. The total amount payable would be £202,040 made up of the loan amount plus interest (£76,840) and fees (£200). The overall cost for comparison is 4.4% APRC representative.
Max LTV 90% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Allied Irish Bank
Max LTV 85%:
Fixed to 31/08/27
Initial rate
2.60%
then 4.45% (variable)
Monthly repayments
£567
Scheme fees
£200
Annual cost
£6,845
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/08/27
Other info
Exit fee £55
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 2.60% and then on a variable rate of 4.45% for the remaining 20 years would require 60 payments of £567 and 240 payments of £668. The total amount payable would be £194,540 made up of the loan amount plus interest (£69,340) and fees (£200). The overall cost for comparison is 4.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/08/24
Initial rate
2.69%
then 4.49% (variable)
Monthly repayments
£573
Scheme fees
£999
Annual cost
£7,373
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 31/08/24
Other info
Exit fee £0
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 2.69% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £572 and 276 payments of £685. The total amount payable would be £203,787 made up of the loan amount plus interest (£77,788) and fees (£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
?
Cambridge BS
Max LTV 90%:
2.60% discount for 2 years
Initial rate
2.69%
then 5.29% (variable)
Monthly repayments
£573
Scheme fees
£0
Annual cost
£6,874
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £60
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.69% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £572 and 276 payments of £738. The total amount payable would be £217,416 made up of the loan amount plus interest (£92,416) and fees (£0). The overall cost for comparison is 4.9% APRC representative.
Max LTV 90% No Early Repayment Charges
Overall cost for comparison 4.9% APRC
?
Vernon
Max LTV 85%:
2.91% discount for 2 years
Initial rate
2.69%
then 5.60% (variable)
Monthly repayments
£573
Scheme fees
£569
Annual cost
£7,158
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £270
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £130
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 2.69% and then on a variable rate of 5.60% for the remaining 23 years would require 24 payments of £572 and 276 payments of £759. The total amount payable would be £223,781 made up of the loan amount plus interest (£98,212) and fees (£569). The overall cost for comparison is 4.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
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