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?
Barclays
Max LTV 60%:
Fixed to 31/03/29
Initial rate
4.09%
then 8.74% (variable)
Monthly repayments
£666
Scheme fees
£899
Annual cost
£8,172
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:
2% until 31/03/29
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 4.09% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £666 and 240 payments of £963. The total amount payable would be £271,979 made up of the loan amount plus interest (£146,080) and fees (£899). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% 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
Basic legals Payable
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
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Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.17%
then 7.50% (variable)
Monthly repayments
£672
Scheme fees
£999
Annual cost
£8,259
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 02/07/29
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 4.17% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £671 and 240 payments of £879. The total amount payable would be £252,219 made up of the loan amount plus interest (£126,220) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.18%
then 6.99% (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 30/04/29
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 4.18% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £672 and 240 payments of £846. The total amount payable would be £244,359 made up of the loan amount plus interest (£118,360) and fees (£999). The overall cost for comparison is 6.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.0% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.23%
then 8.74% (variable)
Monthly repayments
£676
Scheme fees
£899
Annual cost
£8,289
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:
2% until 31/03/29
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 4.23% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £675 and 240 payments of £965. The total amount payable would be £272,999 made up of the loan amount plus interest (£147,100) and fees (£899). The overall cost for comparison is 7.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.24%
then 8.24% (variable)
Monthly repayments
£676
Scheme fees
£1,495
Annual cost
£8,417
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 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 4.24% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £676 and 240 payments of £930. The total amount payable would be £265,255 made up of the loan amount plus interest (£138,760) and fees (£1,495). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.28%
then 8.74% (variable)
Monthly repayments
£679
Scheme fees
£1,099
Annual cost
£8,371
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 30/06/29
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 4.28% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £679 and 240 payments of £966. The total amount payable would be £273,679 made up of the loan amount plus interest (£147,580) and fees (£1,099). The overall cost for comparison is 7.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.29%
then 8.24% (variable)
Monthly repayments
£680
Scheme fees
£995
Annual cost
£8,359
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 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 4.29% 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 £265,175 made up of the loan amount plus interest (£139,180) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
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First Direct
Max LTV 60%:
Fixed to 5 years
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£490
Annual cost
£8,258
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 4.29% 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 £244,510 made up of the loan amount plus interest (£119,020) and fees (£490). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% 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
Basic legals Payable
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 70%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£999
Annual cost
£8,360
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 30/04/29
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 4.29% 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 £245,019 made up of the loan amount plus interest (£119,020) and fees (£999). 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
First time buyer only
Initial rate
4.29%
then 6.99% (variable)
Monthly repayments
£680
Scheme fees
£999
Annual cost
£8,360
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 30/04/29
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 4.29% 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 £245,019 made up of the loan amount plus interest (£119,020) and fees (£999). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
HSBC
Max LTV 60%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.32%
then 6.99% (variable)
Monthly repayments
£682
Scheme fees
£0
Annual cost
£8,185
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 30/04/29
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 4.32% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £682 and 240 payments of £848. The total amount payable would be £244,440 made up of the loan amount plus interest (£119,440) and fees (£0). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Santander
Max LTV 60%:
Fixed to 02/07/29
Initial rate
4.32%
then 7.50% (variable)
Monthly repayments
£682
Scheme fees
£0
Annual cost
£8,185
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 02/07/29
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 4.32% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £682 and 240 payments of £882. The total amount payable would be £252,600 made up of the loan amount plus interest (£127,600) and fees (£0). The overall cost for comparison is 6.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.4% APRC
?
Lloyds
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.33%
then 8.74% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/05/29
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 4.33% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £682 and 240 payments of £967. The total amount payable would be £273,999 made up of the loan amount plus interest (£148,000) and fees (£999). The overall cost for comparison is 7.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.33%
then 8.24% (variable)
Monthly repayments
£683
Scheme fees
£999
Annual cost
£8,393
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/05/29
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 4.33% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £682 and 240 payments of £932. The total amount payable would be £265,599 made up of the loan amount plus interest (£139,600) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
Co-Op
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.38%
then 8.12% (variable)
Monthly repayments
£686
Scheme fees
£749
Annual cost
£8,385
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 30/06/29
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 4.38% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £686 and 240 payments of £924. The total amount payable would be £263,669 made up of the loan amount plus interest (£137,920) 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
?
HSBC
Max LTV 80%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.38%
then 6.99% (variable)
Monthly repayments
£686
Scheme fees
£499
Annual cost
£8,335
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 1% until 30/04/29
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 4.38% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £686 and 240 payments of £849. The total amount payable would be £245,419 made up of the loan amount plus interest (£119,920) and fees (£499). The overall cost for comparison is 6.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.38%
then 8.74% (variable)
Monthly repayments
£686
Scheme fees
£1,099
Annual cost
£8,455
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 30/06/29
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 4.38% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £686 and 240 payments of £967. The total amount payable would be £274,339 made up of the loan amount plus interest (£148,240) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.39%
then 8.74% (variable)
Monthly repayments
£687
Scheme fees
£100
Annual cost
£8,264
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
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 4.39% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £687 and 240 payments of £968. The total amount payable would be £273,640 made up of the loan amount plus interest (£148,540) and fees (£100). The overall cost for comparison is 7.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.2% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/03/26
Initial rate
4.39%
then 8.74% (variable)
Monthly repayments
£687
Scheme fees
£899
Annual cost
£8,694
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:
1% until 31/03/26
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.39% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £687 and 276 payments of £1,004. The total amount payable would be £294,491 made up of the loan amount plus interest (£168,592) and fees (£899). The overall cost for comparison is 8.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 8.2% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/03/29
Initial rate
4.40%
then 8.74% (variable)
Monthly repayments
£688
Scheme fees
£0
Annual cost
£8,253
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:
2% until 31/03/29
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 4.40% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £687 and 240 payments of £968. The total amount payable would be £273,540 made up of the loan amount plus interest (£148,540) and fees (£0). The overall cost for comparison is 7.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.2% 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
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 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 75%:
Fixed to 02/07/29
Initial rate
4.40%
then 7.50% (variable)
Monthly repayments
£688
Scheme fees
£999
Annual cost
£8,452
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 02/07/29
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 4.40% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £687 and 240 payments of £883. The total amount payable would be £254,139 made up of the loan amount plus interest (£128,140) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/03/26
Initial rate
4.42%
then 8.74% (variable)
Monthly repayments
£689
Scheme fees
£899
Annual cost
£8,719
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:
1% until 31/03/26
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 4.42% and then on a variable rate of 8.74% for the remaining 23 years would require 24 payments of £689 and 276 payments of £1,004. The total amount payable would be £294,539 made up of the loan amount plus interest (£168,640) and fees (£899). The overall cost for comparison is 8.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 8.2% APRC
?
HSBC
Max LTV 70%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.42%
then 6.99% (variable)
Monthly repayments
£689
Scheme fees
£0
Annual cost
£8,270
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 30/04/29
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 4.42% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £689 and 240 payments of £849. The total amount payable would be £245,100 made up of the loan amount plus interest (£120,100) and fees (£0). 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
First time buyer only
Initial rate
4.42%
then 6.99% (variable)
Monthly repayments
£689
Scheme fees
£0
Annual cost
£8,270
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 30/04/29
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 4.42% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £689 and 240 payments of £849. The total amount payable would be £245,100 made up of the loan amount plus interest (£120,100) and fees (£0). The overall cost for comparison is 6.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
HSBC
Max LTV 85%:
Fixed to 30/04/29
First time buyer only
Initial rate
4.42%
then 6.99% (variable)
Monthly repayments
£689
Scheme fees
£499
Annual cost
£8,369
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 1% until 30/04/29
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 4.42% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £689 and 240 payments of £849. The total amount payable would be £245,599 made up of the loan amount plus interest (£120,100) and fees (£499). The overall cost for comparison is 6.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Cumberland
Max LTV 75%:
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
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 8.24% 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 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
First Direct
Max LTV 60%:
Fixed to 5 years
Initial rate
4.44%
then 6.99% (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? 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 4.44% 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 £245,160 made up of the loan amount plus interest (£120,160) and fees (£0). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£1,495
Annual cost
£8,585
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/05/29
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 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 £267,055 made up of the loan amount plus interest (£140,560) 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
?
Natwest
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.44%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£1,495
Annual cost
£8,585
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 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 4.44% 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 £267,055 made up of the loan amount plus interest (£140,560) 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
?
Lloyds
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.44%
then 8.74% (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 31/05/29
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 4.44% 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 £273,720 made up of the loan amount plus interest (£148,720) 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
?
Santander
Max LTV 60%:
Fixed to 02/07/27
Initial rate
4.45%
then 7.50% (variable)
Monthly repayments
£691
Scheme fees
£999
Annual cost
£8,628
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 02/07/27
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 3 years at 4.45% and then on a variable rate of 7.50% for the remaining 22 years would require 36 payments of £691 and 264 payments of £900. The total amount payable would be £263,475 made up of the loan amount plus interest (£137,476) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
First Direct
Max LTV 75%:
Fixed to 5 years
Initial rate
4.46%
then 6.99% (variable)
Monthly repayments
£692
Scheme fees
£490
Annual cost
£8,402
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 4.46% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £691 and 240 payments of £850. The total amount payable would be £245,950 made up of the loan amount plus interest (£120,460) 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
?
Natwest
Max LTV 80%:
Fixed to 30/06/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,619
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 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 4.48% 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 £267,235 made up of the loan amount plus interest (£140,740) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Natwest
Max LTV 85%:
Fixed to 30/06/29
Initial rate
4.48%
then 8.24% (variable)
Monthly repayments
£693
Scheme fees
£1,495
Annual cost
£8,619
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 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 4.48% 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 £267,235 made up of the loan amount plus interest (£140,740) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
Skipton
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.48%
then 6.79% (variable)
Monthly repayments
£693
Scheme fees
£2,995
Annual cost
£8,919
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 30/06/29
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 4.48% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £693 and 240 payments of £837. The total amount payable would be £245,455 made up of the loan amount plus interest (£117,460) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.1% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.48%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£1,099
Annual cost
£8,540
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 30/06/29
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 4.48% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £693 and 240 payments of £969. The total amount payable would be £275,239 made up of the loan amount plus interest (£149,140) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.49%
then 7.74% (variable)
Monthly repayments
£694
Scheme fees
£995
Annual cost
£8,528
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 4.49% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £694 and 240 payments of £900. The total amount payable would be £258,635 made up of the loan amount plus interest (£132,640) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
Halifax
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£1,099
Annual cost
£8,549
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 30/06/29
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 4.49% 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 £275,299 made up of the loan amount plus interest (£149,200) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Halifax
Max LTV 85%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£1,099
Annual cost
£8,549
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 30/06/29
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 4.49% 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 £275,299 made up of the loan amount plus interest (£149,200) and fees (£1,099). The overall cost for comparison is 7.3% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Newbury
Max LTV 75%:
Fixed to 29/04/27
Initial rate
4.49%
then 7.00% (variable)
Monthly repayments
£694
Scheme fees
£850
Annual cost
£8,612
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:
3% reducing to 2% until 29/04/27
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 3 years at 4.49% and then on a variable rate of 7.00% for the remaining 22 years would require 36 payments of £694 and 264 payments of £864. The total amount payable would be £253,930 made up of the loan amount plus interest (£128,080) and fees (£850). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
Halifax
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.49%
then 8.74% (variable)
Monthly repayments
£694
Scheme fees
£100
Annual cost
£8,349
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £100
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 4.49% 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 £274,300 made up of the loan amount plus interest (£149,200) and fees (£100). The overall cost for comparison is 7.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
Cumberland
Max LTV 60%:
Fixed to 01/05/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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
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 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £265,800 made up of the loan amount plus interest (£140,800) 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
?
Natwest
Max LTV 75%:
Fixed to 30/06/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£995
Annual cost
£8,528
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 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 4.49% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £266,795 made up of the loan amount plus interest (£140,800) 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
?
Natwest
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£0
Annual cost
£8,329
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 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 4.49% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £694 and 240 payments of £934. The total amount payable would be £265,800 made up of the loan amount plus interest (£140,800) 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
?
Yorkshire BS
Max LTV 75%:
Fixed to 31/05/27
Initial rate
4.49%
then 8.24% (variable)
Monthly repayments
£694
Scheme fees
£1,495
Annual cost
£8,827
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 31/05/27
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.49% and then on a variable rate of 8.24% for the remaining 22 years would require 36 payments of £694 and 264 payments of £955. The total amount payable would be £278,599 made up of the loan amount plus interest (£152,104) and fees (£1,495). The overall cost for comparison is 7.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/06/29
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 01/06/29
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 7.8% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.8% APRC
?
Santander
Max LTV 75%:
Fixed to 02/07/29
Initial rate
4.51%
then 7.50% (variable)
Monthly repayments
£696
Scheme fees
£0
Annual cost
£8,346
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 02/07/29
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 4.51% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £695 and 240 payments of £884. The total amount payable would be £253,860 made up of the loan amount plus interest (£128,860) and fees (£0). The overall cost for comparison is 6.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
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