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Allied Irish Bank
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.24%
then 7.75% (variable)
Monthly repayments
£676
Scheme fees
£200
Annual cost
£8,158
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 31/05/29
Other info
Exit fee £55
Basic legals Payable
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 7.75% for the remaining 20 years would require 60 payments of £676 and 240 payments of £897. The total amount payable would be £256,040 made up of the loan amount plus interest (£130,840) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 694 0779
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.35%
then 7.50% (variable)
Monthly repayments
£684
Scheme fees
£999
Annual cost
£8,410
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 02/09/29
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 4.35% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £684 and 240 payments of £882. The total amount payable would be £253,719 made up of the loan amount plus interest (£127,720) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 694 0779
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.36%
then 8.74% (variable)
Monthly repayments
£685
Scheme fees
£999
Annual cost
£8,418
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% to 31/08/29
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 4.36% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £684 and 240 payments of £967. The total amount payable would be £274,119 made up of the loan amount plus interest (£148,120) 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
?
0800 694 0779
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.38%
then 8.24% (variable)
Monthly repayments
£686
Scheme fees
£999
Annual cost
£8,435
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 01/07/29
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 5 years at 4.38% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £686 and 240 payments of £933. The total amount payable would be £266,079 made up of the loan amount plus interest (£140,080) 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
?
0800 694 0779
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.40%
then 8.24% (variable)
Monthly repayments
£688
Scheme fees
£1,495
Annual cost
£8,552
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.40% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £687 and 240 payments of £933. The total amount payable would be £266,635 made up of the loan amount plus interest (£140,140) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.43%
then 8.12% (variable)
Monthly repayments
£690
Scheme fees
£749
Annual cost
£8,428
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
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 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 694 0779
Allied Irish Bank
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.44%
then 7.75% (variable)
Monthly repayments
£691
Scheme fees
£200
Annual cost
£8,326
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 31/05/29
Other info
Exit fee £55
Basic legals Payable
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 7.75% for the remaining 20 years would require 60 payments of £690 and 240 payments of £900. The total amount payable would be £257,600 made up of the loan amount plus interest (£132,400) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 694 0779
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.45%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,494
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.45% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £691 and 240 payments of £934. The total amount payable would be £266,615 made up of the loan amount plus interest (£140,620) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£0
Annual cost
£8,312
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% to 31/08/29
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 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 £274,080 made up of the loan amount plus interest (£149,080) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 694 0779
Barclays
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£899
Annual cost
£8,492
Fees and charges
Booking fee £0
Arrangement fee £899
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4% until 30/06/29
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 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 £274,979 made up of the loan amount plus interest (£149,080) and fees (£899). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0800 694 0779
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.48%
then 6.99% (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 31/07/29
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 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,579 made up of the loan amount plus interest (£120,580) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£490
Annual cost
£8,418
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 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,070 made up of the loan amount plus interest (£120,580) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
Vernon
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.49%
then 8.10% (variable)
Monthly repayments
£694
Scheme fees
£1,244
Annual cost
£8,578
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £245
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/08/29
Other info
Exit fee £130
Basic legals Payable
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 8.10% for the remaining 20 years would require 60 payments of £694 and 240 payments of £925. The total amount payable would be £264,884 made up of the loan amount plus interest (£138,640) and fees (£1,244). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 694 0779
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£909
Annual cost
£8,511
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
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 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,829 made up of the loan amount plus interest (£161,920) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 694 0779
Newbury
Max LTV 75%:
Fixed to 29/05/29
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,499
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 29/5/29
Other info
Exit fee £115
Basic legals Payable
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 7.00% for the remaining 20 years would require 60 payments of £694 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£120,880) and fees (£850). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.52%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£1,495
Annual cost
£8,654
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.52% 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 £267,655 made up of the loan amount plus interest (£141,160) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Cumberland
Max LTV 75%:
Fixed to 01/07/29
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 01/07/29
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 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
?
0800 694 0779
Allied Irish Bank
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.55%
then 7.75% (variable)
Monthly repayments
£698
Scheme fees
£200
Annual cost
£8,420
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 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £698 and 240 payments of £902. The total amount payable would be £258,560 made up of the loan amount plus interest (£133,360) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0800 694 0779
Santander
Max LTV 75%:
Fixed to 02/09/29
Initial rate
4.56%
then 7.50% (variable)
Monthly repayments
£699
Scheme fees
£999
Annual cost
£8,588
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 02/09/29
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 4.56% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £699 and 240 payments of £885. The total amount payable would be £255,339 made up of the loan amount plus interest (£129,340) and fees (£999). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 694 0779
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.56%
then 8.74% (variable)
Monthly repayments
£699
Scheme fees
£999
Annual cost
£8,588
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% to 31/08/29
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 4.56% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £275,739 made up of the loan amount plus interest (£149,740) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 694 0779
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£995
Annual cost
£8,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.57% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £699 and 240 payments of £936. The total amount payable would be £267,575 made up of the loan amount plus interest (£141,580) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.12% (variable)
Monthly repayments
£700
Scheme fees
-£250
Annual cost
£8,347
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
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 4.57% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £699 and 240 payments of £927. The total amount payable would be £264,170 made up of the loan amount plus interest (£139,420) and fees (-£250). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0800 694 0779
HSBC
Max LTV 70%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
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 31/07/29
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 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £247,239 made up of the loan amount plus interest (£121,240) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
HSBC
Max LTV 75%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
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 31/07/29
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 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £247,239 made up of the loan amount plus interest (£121,240) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,406
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 01/07/29
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 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £266,640 made up of the loan amount plus interest (£141,640) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Cumberland
Max LTV 85%:
Fixed to 01/07/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
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 01/07/29
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 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £267,639 made up of the loan amount plus interest (£141,640) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
First Direct
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£490
Annual cost
£8,504
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 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£121,240) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,406
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
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £246,240 made up of the loan amount plus interest (£121,240) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.59%
then 7.74% (variable)
Monthly repayments
£701
Scheme fees
£995
Annual cost
£8,613
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 30/06/29
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 4.59% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £902. The total amount payable would be £259,535 made up of the loan amount plus interest (£133,540) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0800 694 0779
Lloyds
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
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% to 31/08/29
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 4.59% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £971. The total amount payable would be £276,099 made up of the loan amount plus interest (£150,100) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 694 0779
Leeds
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.59%
then 8.24% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
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 2% until 31/08/29
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 5 years at 4.59% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £701 and 240 payments of £936. The total amount payable would be £267,699 made up of the loan amount plus interest (£141,700) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
Virgin Money
Max LTV 75%:
Fixed to 01/08/29
Initial rate
4.59%
then 9.49% (variable)
Monthly repayments
£701
Scheme fees
£909
Annual cost
£8,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £701 and 240 payments of £1,024. The total amount payable would be £288,729 made up of the loan amount plus interest (£162,820) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0800 694 0779
Santander
Max LTV 60%:
Fixed to 02/09/29
Initial rate
4.60%
then 7.50% (variable)
Monthly repayments
£702
Scheme fees
£0
Annual cost
£8,423
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 02/09/29
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 4.60% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £701 and 240 payments of £886. The total amount payable would be £254,700 made up of the loan amount plus interest (£129,700) and fees (£0). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 694 0779
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.62%
then 8.24% (variable)
Monthly repayments
£703
Scheme fees
£0
Annual cost
£8,440
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.62% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £703 and 240 payments of £936. The total amount payable would be £266,820 made up of the loan amount plus interest (£141,820) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Co-Op
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.62%
then 8.12% (variable)
Monthly repayments
£703
Scheme fees
£749
Annual cost
£8,590
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
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 4.62% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £703 and 240 payments of £928. The total amount payable would be £265,649 made up of the loan amount plus interest (£139,900) and fees (£749). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0800 694 0779
Halifax
Max LTV 60%:
Fixed to 30/09/29
Initial rate
4.62%
then 8.74% (variable)
Monthly repayments
£703
Scheme fees
£1,099
Annual cost
£8,660
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/29
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 4.62% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £703 and 240 payments of £971. The total amount payable would be £276,319 made up of the loan amount plus interest (£150,220) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 694 0779
First Direct
Max LTV 80%:
Fixed for 5 years
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£490
Annual cost
£8,547
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 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
First Direct
Max LTV 85%:
Fixed for 5 years
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£490
Annual cost
£8,547
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 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£0
Annual cost
£8,449
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 31/07/29
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 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,720 made up of the loan amount plus interest (£121,720) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0800 694 0779
Coventry
Max LTV 65%:
Fixed to 31/10/29
First time buyer only
Initial rate
4.63%
then 7.49% (variable)
Monthly repayments
£704
Scheme fees
-£500
Annual cost
£8,349
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 1% until 31/10/29
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 5 years at 4.63% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £704 and 240 payments of £885. The total amount payable would be £254,140 made up of the loan amount plus interest (£129,640) and fees (-£500). The overall cost for comparison is 6.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0800 694 0779
Natwest
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£1,495
Annual cost
£8,748
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,615 made up of the loan amount plus interest (£142,120) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£1,495
Annual cost
£8,748
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
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 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,615 made up of the loan amount plus interest (£142,120) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
Santander
Max LTV 85%:
Fixed to 02/09/29
Initial rate
4.63%
then 7.50% (variable)
Monthly repayments
£704
Scheme fees
£999
Annual cost
£8,648
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 02/09/29
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 4.63% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £704 and 240 payments of £886. The total amount payable would be £255,879 made up of the loan amount plus interest (£129,880) and fees (£999). The overall cost for comparison is 6.6% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0800 694 0779
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£999
Annual cost
£8,648
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 01/07/29
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 5 years at 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,119 made up of the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
Leeds
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.64%
then 8.24% (variable)
Monthly repayments
£705
Scheme fees
£999
Annual cost
£8,657
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 2% until 30/06/29
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 5 years at 4.64% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,119 made up of the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0800 694 0779
First Direct
Max LTV 60%:
Fixed for 10 years
First time buyer only
Initial rate
4.64%
then 6.99% (variable)
Monthly repayments
£705
Scheme fees
£490
Annual cost
£8,506
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 10 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 10 years at 4.64% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £704 and 180 payments of £819. The total amount payable would be £232,390 made up of the loan amount plus interest (£106,900) and fees (£490). The overall cost for comparison is 5.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0800 694 0779
First Direct
Max LTV 75%:
Fixed for 10 years
First time buyer only
Initial rate
4.64%
then 6.99% (variable)
Monthly repayments
£705
Scheme fees
£490
Annual cost
£8,506
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 10 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 10 years at 4.64% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £704 and 180 payments of £819. The total amount payable would be £232,390 made up of the loan amount plus interest (£106,900) and fees (£490). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0800 694 0779
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.64%
then 8.74% (variable)
Monthly repayments
£705
Scheme fees
£999
Annual cost
£8,657
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:
4.5% reducing to 1% 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 4.64% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £276,519 made up of the loan amount plus interest (£150,520) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 694 0779
MPowered Mortgages
Max LTV 60%:
Fixed for 3 years
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£999
Annual cost
£8,816
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
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.67% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £706 and 264 payments of £994. The total amount payable would be £288,831 made up of the loan amount plus interest (£162,832) 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
?
0800 694 0779
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£0
Annual cost
£8,483
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% to 31/08/29
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 4.67% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £706 and 240 payments of £972. The total amount payable would be £275,640 made up of the loan amount plus interest (£150,640) and fees (£0). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0800 694 0779
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Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
The Mortgage Service is provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath, BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages.
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0800 694 0779