Call free on 0800 073 1940

Mortgages

We've teamed up with L&C, the UK's leading fee free mortgage broker, to offer you expert advice on the right mortgage deal. Whether you're buying a new home, remortgaging to a new deal or buying an investment property, L&C can help and you'll pay no fee for their advice.

   

Reasons to use L&C

 
     
  • Fee free advice on the right mortgage for you
  • We'll compare 1,000s of mortgage deals so you don't have to
  • Simple, hassle-free service
  • Fully-qualified advisers available 7 days a week
  • Opening hours: 9am-8pm Mon-Thur, 9am-5.30pm Fri, 9am-5pm Sat and 10am-4pm Sun  
  • Unique online tracking tool
  •  
Over 150 awards since 2002
Call L&C's expert
advisers now
Call free from mobile or landline
Arrange a callback
or
Start your
mortgage online
Find the deals you qualify for &
how much you could borrow

£
£
£
Filters
Types of mortgage
Product period
Other features
Update
Matching mortgages
Try sorting by Annual Cost
?
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
4.04%
then 6.99% (variable)
Monthly repayments
£663
Scheme fees
£490
Annual cost
£8,049
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.04% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £662 and 240 payments of £844. The total amount payable would be £242,770 made up of the loan amount plus interest (£117,280) and fees (£490). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Allied Irish Bank
Max LTV 60%:
Fixed to 28/02/29
Initial rate
4.09%
then 7.75% (variable)
Monthly repayments
£666
Scheme fees
£200
Annual cost
£8,032
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 28/02/29
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 4.09% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £666 and 240 payments of £895. The total amount payable would be £254,960 made up of the loan amount plus interest (£129,760) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.18%
then 8.24% (variable)
Monthly repayments
£672
Scheme fees
£999
Annual cost
£8,267
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.18% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £672 and 240 payments of £929. The total amount payable would be £264,279 made up of the loan amount plus interest (£138,280) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.19%
then 7.99% (variable)
Monthly repayments
£673
Scheme fees
£798
Annual cost
£8,235
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.19% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £672 and 240 payments of £913. The total amount payable would be £260,238 made up of the loan amount plus interest (£134,440) and fees (£798). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.22%
then 7.50% (variable)
Monthly repayments
£675
Scheme fees
£1,048
Annual cost
£8,310
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 02/07/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.22% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £675 and 240 payments of £880. The total amount payable would be £252,748 made up of the loan amount plus interest (£126,700) and fees (£1,048). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
First Direct
Max LTV 60%:
Fixed for 5 years
Initial rate
4.24%
then 6.99% (variable)
Monthly repayments
£676
Scheme fees
£0
Annual cost
£8,118
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 5 years
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 5 years at 4.24% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £676 and 240 payments of £847. The total amount payable would be £243,840 made up of the loan amount plus interest (£118,840) and fees (£0). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/29
Initial rate
4.28%
then 8.24% (variable)
Monthly repayments
£679
Scheme fees
£999
Annual cost
£8,351
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.28% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £679 and 240 payments of £931. The total amount payable would be £265,179 made up of the loan amount plus interest (£139,180) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Allied Irish Bank
Max LTV 75%:
Fixed to 28/02/29
Initial rate
4.29%
then 7.75% (variable)
Monthly repayments
£680
Scheme fees
£200
Annual cost
£8,200
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 28/02/29
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 4.29% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £679 and 240 payments of £898. The total amount payable would be £256,460 made up of the loan amount plus interest (£131,260) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£998
Annual cost
£8,359
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.29% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £679 and 240 payments of £847. The total amount payable would be £245,018 made up of the loan amount plus interest (£119,020) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.30%
then 8.24% (variable)
Monthly repayments
£681
Scheme fees
£1,544
Annual cost
£8,477
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.30% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £680 and 240 payments of £931. The total amount payable would be £265,784 made up of the loan amount plus interest (£139,240) and fees (£1,544). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
4.34%
then 7.99% (variable)
Monthly repayments
£683
Scheme fees
-£201
Annual cost
£8,162
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £915. The total amount payable would be £260,379 made up of the loan amount plus interest (£135,580) and fees (-£201). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
First Direct
Max LTV 75%:
Fixed to 5 years
Initial rate
4.34%
then 6.99% (variable)
Monthly repayments
£683
Scheme fees
£490
Annual cost
£8,300
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £683 and 240 payments of £848. The total amount payable would be £244,990 made up of the loan amount plus interest (£119,500) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.34%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£0
Annual cost
£8,202
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:
5% reducing to 1% until 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.34% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £683 and 240 payments of £932. The total amount payable would be £264,660 made up of the loan amount plus interest (£139,660) and fees (£0). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.34%
then 6.79% (variable)
Monthly repayments
£683
Scheme fees
£2,995
Annual cost
£8,801
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 31/05/29
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 4.34% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £683 and 240 payments of £835. The total amount payable would be £244,375 made up of the loan amount plus interest (£116,380) and fees (£2,995). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.35%
then 8.24% (variable)
Monthly repayments
£684
Scheme fees
£1,044
Annual cost
£8,419
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.35% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £684 and 240 payments of £932. The total amount payable would be £265,764 made up of the loan amount plus interest (£139,720) and fees (£1,044). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
MPowered Mortgages
Max LTV 60%:
Fixed for 3 years
Initial rate
4.36%
then 8.74% (variable)
Monthly repayments
£685
Scheme fees
£1,999
Annual cost
£8,885
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 1% for 3 years
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 3 years at 4.36% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £684 and 264 payments of £991. The total amount payable would be £288,247 made up of the loan amount plus interest (£161,248) and fees (£1,999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Virgin Money
Max LTV 70%:
Fixed to 01/06/29
Initial rate
4.37%
then 9.49% (variable)
Monthly repayments
£686
Scheme fees
£895
Annual cost
£8,406
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:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.37% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £685 and 240 payments of £1,020. The total amount payable would be £286,795 made up of the loan amount plus interest (£160,900) and fees (£895). The overall cost for comparison is 7.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Skipton
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.37%
then 6.79% (variable)
Monthly repayments
£686
Scheme fees
£2,995
Annual cost
£8,826
Fees and charges
Booking fee £0
Arrangement fee £2,995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 31/05/29
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 4.37% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £685 and 240 payments of £835. The total amount payable would be £244,495 made up of the loan amount plus interest (£116,500) and fees (£2,995). The overall cost for comparison is 6.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Virgin Money
Max LTV 60%:
Fixed to 01/06/29
Initial rate
4.39%
then 9.49% (variable)
Monthly repayments
£687
Scheme fees
£995
Annual cost
£8,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £687 and 240 payments of £1,021. The total amount payable would be £287,255 made up of the loan amount plus interest (£161,260) and fees (£995). The overall cost for comparison is 7.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Newbury
Max LTV 75%:
Fixed to 29/03/29
Initial rate
4.39%
then 7.00% (variable)
Monthly repayments
£687
Scheme fees
£850
Annual cost
£8,414
Fees and charges
Booking fee £850
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 29/03/29
Other info
Exit fee £115
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.39% and then on a variable rate of 7.00% for the remaining 20 years would require 60 payments of £687 and 240 payments of £849. The total amount payable would be £245,830 made up of the loan amount plus interest (£119,980) and fees (£850). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Allied Irish Bank
Max LTV 80%:
Fixed to 28/02/29
Initial rate
4.40%
then 7.75% (variable)
Monthly repayments
£688
Scheme fees
£200
Annual cost
£8,293
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 28/02/29
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 4.40% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £687 and 240 payments of £900. The total amount payable would be £257,420 made up of the loan amount plus interest (£132,220) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.42%
then 7.50% (variable)
Monthly repayments
£689
Scheme fees
£49
Annual cost
£8,279
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:
5% reducing to 1% until 02/07/29
Other info
Exit fee £225
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.42% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £689 and 240 payments of £883. The total amount payable would be £253,309 made up of the loan amount plus interest (£128,260) and fees (£49). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.43%
then 8.24% (variable)
Monthly repayments
£690
Scheme fees
£999
Annual cost
£8,478
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £689 and 240 payments of £933. The total amount payable would be £266,259 made up of the loan amount plus interest (£140,260) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/29
Initial rate
4.44%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£0
Annual cost
£8,286
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:
5% reducing to 1% until 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £690 and 240 payments of £934. The total amount payable would be £265,560 made up of the loan amount plus interest (£140,560) and fees (£0). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,618
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 30/06/27
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 3 years at 4.44% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £690 and 264 payments of £992. The total amount payable would be £287,723 made up of the loan amount plus interest (£161,728) and fees (£995). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.44%
then 6.79% (variable)
Monthly repayments
£691
Scheme fees
£1,295
Annual cost
£8,545
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 31/05/29
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 4.44% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £690 and 240 payments of £836. The total amount payable would be £243,335 made up of the loan amount plus interest (£117,040) and fees (£1,295). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,486
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 30/06/29
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 5 years at 4.44% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £690 and 240 payments of £968. The total amount payable would be £274,719 made up of the loan amount plus interest (£148,720) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Nationwide
Max LTV 75%:
Fixed for 5 years
Initial rate
4.44%
then 7.99% (variable)
Monthly repayments
£691
Scheme fees
£798
Annual cost
£8,446
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% for 5 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £690 and 240 payments of £916. The total amount payable would be £262,038 made up of the loan amount plus interest (£136,240) and fees (£798). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Virgin Money
Max LTV 70%:
Fixed to 01/06/29
Initial rate
4.44%
then 9.49% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,485
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/06/29
Other info
Exit fee £99
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £690 and 240 payments of £1,021. The total amount payable would be £287,435 made up of the loan amount plus interest (£161,440) and fees (£995). The overall cost for comparison is 7.8% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Halifax
Max LTV 60%:
Fixed to 30/06/27
Initial rate
4.44%
then 8.74% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,619
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 30/06/27
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 3 years at 4.44% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £690 and 264 payments of £992. The total amount payable would be £287,727 made up of the loan amount plus interest (£161,728) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
Initial rate
4.44%
then 6.99% (variable)
Monthly repayments
£691
Scheme fees
-£1
Annual cost
£8,286
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £690 and 240 payments of £849. The total amount payable would be £245,159 made up of the loan amount plus interest (£120,160) and fees (-£1). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
MPowered Mortgages
Max LTV 60%:
Fixed for 3 years
Initial rate
4.46%
then 8.74% (variable)
Monthly repayments
£692
Scheme fees
£999
Annual cost
£8,637
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
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 3 years at 4.46% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £691 and 264 payments of £992. The total amount payable would be £287,763 made up of the loan amount plus interest (£161,764) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£948
Annual cost
£8,502
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/03/29
Other info
Exit fee £80
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £275,028 made up of the loan amount plus interest (£149,080) and fees (£948). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Coventry
Max LTV 65%:
Fixed to 31/08/29
Initial rate
4.48%
then 7.49% (variable)
Monthly repayments
£693
Scheme fees
£948
Annual cost
£8,510
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £350
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £125
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £693 and 240 payments of £883. The total amount payable would be £254,448 made up of the loan amount plus interest (£128,500) and fees (£948). The overall cost for comparison is 6.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
MPowered Mortgages
Max LTV 75%:
Fixed for 3 years
Initial rate
4.48%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£1,999
Annual cost
£8,987
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 1% for 3 years
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 3 years at 4.48% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £693 and 264 payments of £993. The total amount payable would be £289,099 made up of the loan amount plus interest (£162,100) and fees (£1,999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/26
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,820
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 01/05/26
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.48% and then on a variable rate of 8.24% for the remaining 23 years would require 24 payments of £693 and 276 payments of £965. The total amount payable would be £283,971 made up of the loan amount plus interest (£157,972) and fees (£999). The overall cost for comparison is 7.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
Cumberland
Max LTV 85%:
Fixed to 01/05/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,520
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:
5% reducing to 1% until 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £693 and 240 payments of £934. The total amount payable would be £266,739 made up of the loan amount plus interest (£140,740) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Bank of Ireland
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.04% (variable)
Monthly repayments
£694
Scheme fees
£1,294
Annual cost
£8,588
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/29
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £694 and 240 payments of £921. The total amount payable would be £263,974 made up of the loan amount plus interest (£137,680) and fees (£1,294). The overall cost for comparison is 6.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Skipton
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.49%
then 6.79% (variable)
Monthly repayments
£694
Scheme fees
£1,295
Annual cost
£8,588
Fees and charges
Booking fee £0
Arrangement fee £1,295
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
6% reducing to 1.75% until 31/05/29
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 4.49% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £694 and 240 payments of £837. The total amount payable would be £243,815 made up of the loan amount plus interest (£117,520) and fees (£1,295). The overall cost for comparison is 6.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£994
Annual cost
£8,528
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £969. The total amount payable would be £275,194 made up of the loan amount plus interest (£149,200) and fees (£994). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Nationwide
Max LTV 60%:
Fixed for 3 years
Initial rate
4.49%
then 7.99% (variable)
Monthly repayments
£694
Scheme fees
£798
Annual cost
£8,595
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% reducing to 1.5% for 3 years
Other info
Exit fee £65
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.49% and then on a variable rate of 7.99% for the remaining 22 years would require 36 payments of £694 and 264 payments of £936. The total amount payable would be £272,886 made up of the loan amount plus interest (£147,088) and fees (£798). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
First Direct
Max LTV 80%:
Fixed to 5 years
Initial rate
4.49%
then 6.99% (variable)
Monthly repayments
£694
Scheme fees
£490
Annual cost
£8,427
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
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £850. The total amount payable would be £246,130 made up of the loan amount plus interest (£120,640) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
HSBC
Max LTV 70%:
Fixed to 30/04/29
Initial rate
4.49%
then 6.99% (variable)
Monthly repayments
£694
Scheme fees
£998
Annual cost
£8,529
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £850. The total amount payable would be £246,638 made up of the loan amount plus interest (£120,640) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
HSBC
Max LTV 75%:
Fixed to 30/04/29
Initial rate
4.49%
then 6.99% (variable)
Monthly repayments
£694
Scheme fees
£998
Annual cost
£8,529
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/04/29
Other info
Exit fee £0
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £694 and 240 payments of £850. The total amount payable would be £246,638 made up of the loan amount plus interest (£120,640) and fees (£998). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/26
Initial rate
4.52%
then 8.74% (variable)
Monthly repayments
£696
Scheme fees
£999
Annual cost
£8,854
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 31/05/26
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 4.52% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £696 and 276 payments of £1,004. The total amount payable would be £294,807 made up of the loan amount plus interest (£168,808) and fees (£999). The overall cost for comparison is 8.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 8.2% APRC
?
Bank of Ireland
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.52%
then 8.04% (variable)
Monthly repayments
£696
Scheme fees
£995
Annual cost
£8,554
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/29
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £696 and 240 payments of £921. The total amount payable would be £263,795 made up of the loan amount plus interest (£137,800) and fees (£995). The overall cost for comparison is 6.8% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Bank of Ireland
Max LTV 75%:
Fixed to 31/05/31
Initial rate
4.52%
then 8.04% (variable)
Monthly repayments
£696
Scheme fees
£995
Annual cost
£8,497
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/31
Other info
Exit fee £195
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 7 years at 4.52% and then on a variable rate of 8.04% for the remaining 18 years would require 84 payments of £696 and 216 payments of £901. The total amount payable would be £254,075 made up of the loan amount plus interest (£128,080) and fees (£995). The overall cost for comparison is 6.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
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 01/05/29
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,159 made up of the loan amount plus interest (£141,160) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Cumberland
Max LTV 75%:
Fixed to 01/05/26
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,863
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 01/05/26
Other info
Exit fee £125
Estimated legals £0
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.53% and then on a variable rate of 8.24% for the remaining 23 years would require 24 payments of £696 and 276 payments of £965. The total amount payable would be £284,043 made up of the loan amount plus interest (£158,044) and fees (£999). The overall cost for comparison is 7.7% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.7% APRC
?
Bank of Ireland
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.54%
then 8.04% (variable)
Monthly repayments
£698
Scheme fees
£294
Annual cost
£8,430
Fees and charges
Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
4% reducing to 2% until 31/05/29
Other info
Exit fee £195
Estimated legals £299
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.54% and then on a variable rate of 8.04% for the remaining 20 years would require 60 payments of £697 and 240 payments of £921. The total amount payable would be £263,154 made up of the loan amount plus interest (£137,860) and fees (£294). The overall cost for comparison is 6.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.8% APRC
?
Load more