Call free on 0800 923 4001

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: 9-8 Mon-Fri, 9-5 Sat, 10-4 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
?
Halifax
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£1,195
Annual cost
£6,443
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £184,003 made up of the loan amount plus interest (£57,808) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/23
Initial rate
1.28%
then 3.59% (variable)
Monthly repayments
£487
Scheme fees
£999
Annual cost
£6,345
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/01/23
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £487 and 276 payments of £620. The total amount payable would be £183,807 made up of the loan amount plus interest (£57,808) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Santander
Max LTV 60%:
Fixed to 02/03/23
Initial rate
1.28%
then 3.35% (variable)
Monthly repayments
£487
Scheme fees
£999
Annual cost
£6,345
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/03/23
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.28% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £487 and 276 payments of £605. The total amount payable would be £179,667 made up of the loan amount plus interest (£53,668) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/22
Initial rate
1.34%
then 3.54% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
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 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £490 and 276 payments of £617. The total amount payable would be £183,051 made up of the loan amount plus interest (£57,052) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/01/23
Initial rate
1.34%
then 4.64% (variable)
Monthly repayments
£491
Scheme fees
£995
Annual cost
£6,384
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/01/23
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £490 and 276 payments of £687. The total amount payable would be £202,367 made up of the loan amount plus interest (£76,372) and fees (£995). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£999
Annual cost
£6,386
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,879 made up of the loan amount plus interest (£57,880) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.34%
then 3.59% (variable)
Monthly repayments
£491
Scheme fees
£995
Annual cost
£6,384
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.34% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £490 and 276 payments of £620. The total amount payable would be £183,875 made up of the loan amount plus interest (£57,880) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.36%
then 3.59% (variable)
Monthly repayments
£492
Scheme fees
£1,199
Annual cost
£6,301
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.36% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £491 and 264 payments of £614. The total amount payable would be £180,971 made up of the loan amount plus interest (£54,772) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
TSB
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.39%
then 3.59% (variable)
Monthly repayments
£493
Scheme fees
£995
Annual cost
£6,419
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £493 and 276 payments of £620. The total amount payable would be £183,947 made up of the loan amount plus interest (£57,952) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/03/26
Initial rate
1.42%
then 4.34% (variable)
Monthly repayments
£495
Scheme fees
£1,495
Annual cost
£6,242
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:
3.5% until 01/03/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.42% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £495 and 240 payments of £645. The total amount payable would be £185,995 made up of the loan amount plus interest (£59,500) and fees (£1,495). The overall cost for comparison is 3.1% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Santander
Max LTV 60%:
Fixed to 02/03/26
Initial rate
1.43%
then 3.35% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,150
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 02/03/26
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.43% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £495 and 240 payments of £591. The total amount payable would be £172,539 made up of the loan amount plus interest (£46,540) and fees (£999). The overall cost for comparison is 2.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.6% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/26
Initial rate
1.43%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,150
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/01/26
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.43% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £495 and 240 payments of £604. The total amount payable would be £175,659 made up of the loan amount plus interest (£49,660) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Nationwide
Max LTV 60%:
Fixed for 2 years
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,456
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% for 2 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.44% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £496 and 276 payments of £621. The total amount payable would be £184,299 made up of the loan amount plus interest (£58,300) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
HSBC
Max LTV 60%:
Fixed to 31/12/25
Initial rate
1.44%
then 3.54% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,157
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 31/12/25
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.44% and then on a variable rate of 3.54% for the remaining 20 years would require 60 payments of £496 and 240 payments of £602. The total amount payable would be £175,239 made up of the loan amount plus interest (£49,240) and fees (£999). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Nationwide
Max LTV 60%:
Fixed for 5 years
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£999
Annual cost
£6,157
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% for 5 years
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.44% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £496 and 240 payments of £604. The total amount payable would be £175,719 made up of the loan amount plus interest (£49,720) and fees (£999). The overall cost for comparison is 2.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.9% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/26
Initial rate
1.44%
then 3.59% (variable)
Monthly repayments
£496
Scheme fees
£995
Annual cost
£6,156
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/26
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.44% and then on a variable rate of 3.59% for the remaining 20 years would require 60 payments of £496 and 240 payments of £604. The total amount payable would be £175,715 made up of the loan amount plus interest (£49,720) and fees (£995). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Skipton
Max LTV 60%:
Fixed to 31/01/26
Initial rate
1.45%
then 4.64% (variable)
Monthly repayments
£497
Scheme fees
£995
Annual cost
£6,163
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/01/26
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.45% and then on a variable rate of 4.64% for the remaining 20 years would require 60 payments of £496 and 240 payments of £662. The total amount payable would be £189,635 made up of the loan amount plus interest (£63,640) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Halifax
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£1,195
Annual cost
£6,583
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,543 made up of the loan amount plus interest (£58,348) and fees (£1,195). The overall cost for comparison is 3.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.5% APRC
?
Natwest
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.48%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£995
Annual cost
£6,483
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.48% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £498 and 276 payments of £621. The total amount payable would be £184,343 made up of the loan amount plus interest (£58,348) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/24
Initial rate
1.49%
then 3.59% (variable)
Monthly repayments
£499
Scheme fees
£999
Annual cost
£6,325
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 31/01/24
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.49% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £499 and 264 payments of £616. The total amount payable would be £181,587 made up of the loan amount plus interest (£55,588) and fees (£999). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Leeds
Max LTV 65%:
Fixed to 28/02/23
Initial rate
1.49%
then 5.29% (variable)
Monthly repayments
£499
Scheme fees
£1,999
Annual cost
£6,991
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 28/02/23
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.49% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £499 and 276 payments of £731. The total amount payable would be £215,731 made up of the loan amount plus interest (£88,732) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Monmouthshire BS
Max LTV 65%:
Fixed for 2 years
Initial rate
1.50%
then 4.74% (variable)
Monthly repayments
£500
Scheme fees
£909
Annual cost
£6,454
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £499 and 276 payments of £694. The total amount payable would be £204,429 made up of the loan amount plus interest (£78,520) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Beverley BS
Max LTV 65%:
3.47% discount for 2 years
Initial rate
1.52%
then 4.99% (variable)
Monthly repayments
£501
Scheme fees
£2,230
Annual cost
£7,128
Fees and charges
Booking fee £0
Arrangement fee £1,895
Valuation fee £335
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% for 2 years
Other info
Exit fee £175
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.52% and then on a variable rate of 4.99% for the remaining 23 years would require 24 payments of £501 and 276 payments of £711. The total amount payable would be £210,490 made up of the loan amount plus interest (£83,260) and fees (£2,230). The overall cost for comparison is 4.4% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£200
Annual cost
£6,141
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.56% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £503 and 276 payments of £621. The total amount payable would be £183,668 made up of the loan amount plus interest (£58,468) and fees (£200). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Halifax
Max LTV 60%:
Fixed to 31/03/24
Initial rate
1.56%
then 3.59% (variable)
Monthly repayments
£503
Scheme fees
£1,199
Annual cost
£6,441
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/03/24
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 1.56% and then on a variable rate of 3.59% for the remaining 22 years would require 36 payments of £503 and 264 payments of £616. The total amount payable would be £181,931 made up of the loan amount plus interest (£55,732) and fees (£1,199). The overall cost for comparison is 3.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.1% APRC
?
Skipton
Max LTV 60%:
Base +1.47% for 2 years
Initial rate
1.57%
then 4.64% (variable)
Monthly repayments
£504
Scheme fees
£1,246
Annual cost
£6,671
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £251
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £95
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.57% and then on a variable rate of 4.64% for the remaining 23 years would require 24 payments of £504 and 276 payments of £688. The total amount payable would be £203,230 made up of the loan amount plus interest (£76,984) and fees (£1,246). The overall cost for comparison is 3.8% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.8% APRC
?
Barclays
Max LTV 75%:
Fixed to 31/01/23
Initial rate
1.57%
then 3.59% (variable)
Monthly repayments
£504
Scheme fees
£999
Annual cost
£6,548
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% until 31/01/23
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.57% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £504 and 276 payments of £621. The total amount payable would be £184,491 made up of the loan amount plus interest (£58,492) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Platform
Max LTV 60%:
Fixed to 31/03/26
Initial rate
1.58%
then 4.34% (variable)
Monthly repayments
£505
Scheme fees
£1,249
Annual cost
£6,305
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/03/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.58% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £504 and 240 payments of £647. The total amount payable would be £186,769 made up of the loan amount plus interest (£60,520) and fees (£1,249). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Platform
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.58%
then 4.34% (variable)
Monthly repayments
£505
Scheme fees
£1,249
Annual cost
£6,680
Fees and charges
Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
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 2 years at 1.58% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £504 and 276 payments of £669. The total amount payable would be £197,989 made up of the loan amount plus interest (£71,740) and fees (£1,249). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Natwest
Max LTV 70%:
Fixed to 31/03/23
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,560
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £505 and 276 payments of £621. The total amount payable would be £184,511 made up of the loan amount plus interest (£58,516) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Natwest
Max LTV 75%:
Fixed to 31/03/23
Initial rate
1.59%
then 3.59% (variable)
Monthly repayments
£505
Scheme fees
£995
Annual cost
£6,560
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/03/23
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £505 and 276 payments of £621. The total amount payable would be £184,511 made up of the loan amount plus interest (£58,516) and fees (£995). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
Leeds
Max LTV 75%:
Fixed to 28/02/23
Initial rate
1.59%
then 5.29% (variable)
Monthly repayments
£505
Scheme fees
£1,999
Annual cost
£7,062
Fees and charges
Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 28/02/23
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £505 and 276 payments of £731. The total amount payable would be £215,875 made up of the loan amount plus interest (£88,876) and fees (£1,999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
Leeds
Max LTV 65%:
Fixed to 28/02/23
Initial rate
1.59%
then 5.29% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 28/02/23
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £505 and 276 payments of £731. The total amount payable would be £214,875 made up of the loan amount plus interest (£88,876) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
HSBC
Max LTV 70%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
HSBC
Max LTV 75%:
Fixed to 31/12/22
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
2% reducing to 1% until 31/12/22
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,687 made up of the loan amount plus interest (£57,688) and fees (£999). The overall cost for comparison is 3.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 3.3% APRC
?
First Direct
Max LTV 60%:
Fixed for 2 years
Initial rate
1.59%
then 3.54% (variable)
Monthly repayments
£505
Scheme fees
£490
Annual cost
£6,308
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 2 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.54% for the remaining 23 years would require 24 payments of £505 and 276 payments of £618. The total amount payable would be £183,178 made up of the loan amount plus interest (£57,688) and fees (£490). The overall cost for comparison is 3.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/23
Initial rate
1.59%
then 3.35% (variable)
Monthly repayments
£505
Scheme fees
£999
Annual cost
£6,562
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% until 02/02/23
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.59% and then on a variable rate of 3.35% for the remaining 23 years would require 24 payments of £505 and 276 payments of £607. The total amount payable would be £180,651 made up of the loan amount plus interest (£54,652) and fees (£999). The overall cost for comparison is 3.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.0% APRC
?
Monmouthshire BS
Max LTV 75%:
Fixed for 2 years
Initial rate
1.60%
then 4.74% (variable)
Monthly repayments
£506
Scheme fees
£909
Annual cost
£6,524
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.60% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £505 and 276 payments of £695. The total amount payable would be £204,849 made up of the loan amount plus interest (£78,940) and fees (£909). The overall cost for comparison is 4.3% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.3% APRC
?
Virgin Money
Max LTV 65%:
Fixed to 01/03/26
Initial rate
1.61%
then 4.34% (variable)
Monthly repayments
£506
Scheme fees
£995
Annual cost
£6,276
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 01/03/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.61% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £506 and 240 payments of £648. The total amount payable would be £186,875 made up of the loan amount plus interest (£60,880) and fees (£995). The overall cost for comparison is 3.2% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 3.2% APRC
?
Barclays
Max LTV 60%:
Fixed to 31/01/28
Initial rate
1.62%
then 3.59% (variable)
Monthly repayments
£507
Scheme fees
£999
Annual cost
£6,227
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 31/01/28
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 7 years at 1.62% and then on a variable rate of 3.59% for the remaining 18 years would require 84 payments of £507 and 216 payments of £597. The total amount payable would be £172,539 made up of the loan amount plus interest (£46,540) and fees (£999). The overall cost for comparison is 2.8% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.8% APRC
?
Nationwide
Max LTV 60%:
Base +1.54% for 2 years
Initial rate
1.64%
then 3.59% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,598
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
None
Other info
Exit fee £65
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.64% and then on a variable rate of 3.59% for the remaining 23 years would require 24 payments of £508 and 276 payments of £622. The total amount payable would be £184,863 made up of the loan amount plus interest (£58,864) and fees (£999). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% No Early Repayment Charges
Overall cost for comparison 3.4% APRC
?
Santander
Max LTV 60%:
Fixed to 02/02/26
Initial rate
1.64%
then 3.35% (variable)
Monthly repayments
£508
Scheme fees
£999
Annual cost
£6,298
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% until 02/02/26
Other info
Exit fee £225
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.64% and then on a variable rate of 3.35% for the remaining 20 years would require 60 payments of £508 and 240 payments of £594. The total amount payable would be £174,039 made up of the loan amount plus interest (£48,040) and fees (£999). The overall cost for comparison is 2.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 2.7% APRC
?
Monmouthshire BS
Max LTV 80%:
3.09% discount for 2 years
Initial rate
1.65%
then 4.74% (variable)
Monthly repayments
£509
Scheme fees
£909
Annual cost
£6,560
Fees and charges
Booking fee £150
Arrangement fee £499
Valuation fee £260
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
1% for 2 years
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.65% and then on a variable rate of 4.74% for the remaining 23 years would require 24 payments of £508 and 276 payments of £695. The total amount payable would be £204,921 made up of the loan amount plus interest (£79,012) and fees (£909). The overall cost for comparison is 4.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.2% APRC
?
Coventry
Max LTV 65%:
Fixed to 31/12/22
Initial rate
1.65%
then 4.49% (variable)
Monthly repayments
£509
Scheme fees
£999
Annual cost
£6,605
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 31/12/22
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.65% and then on a variable rate of 4.49% for the remaining 23 years would require 24 payments of £508 and 276 payments of £679. The total amount payable would be £200,595 made up of the loan amount plus interest (£74,596) and fees (£999). The overall cost for comparison is 4.0% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Platform
Max LTV 60%:
Fixed to 31/03/23
Initial rate
1.66%
then 4.34% (variable)
Monthly repayments
£509
Scheme fees
£749
Annual cost
£6,487
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:
2% reducing to 1% until 31/03/23
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 2 years at 1.66% and then on a variable rate of 4.34% for the remaining 23 years would require 24 payments of £509 and 276 payments of £669. The total amount payable would be £197,609 made up of the loan amount plus interest (£71,860) and fees (£749). The overall cost for comparison is 4.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 4.0% APRC
?
Platform
Max LTV 60%:
Fixed to 31/03/26
Initial rate
1.66%
then 4.34% (variable)
Monthly repayments
£509
Scheme fees
£749
Annual cost
£6,262
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 31/03/26
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 1.66% and then on a variable rate of 4.34% for the remaining 20 years would require 60 payments of £509 and 240 payments of £648. The total amount payable would be £186,809 made up of the loan amount plus interest (£61,060) and fees (£749). The overall cost for comparison is 3.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.4% APRC
?
Marsden
Max LTV 80%:
4.01% discount to 31/05/23
Initial rate
1.69%
then 5.70% (variable)
Monthly repayments
£511
Scheme fees
£998
Annual cost
£6,633
Fees and charges
Booking fee £299
Arrangement fee £699
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 5% p/a
Early Repayment Charge:
3% reducing to 2% until 31/05/23
Other info
Exit fee £150
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a variable rate for 2 years at 1.69% and then on a variable rate of 5.70% for the remaining 23 years would require 24 payments of £511 and 276 payments of £760. The total amount payable would be £223,022 made up of the loan amount plus interest (£97,024) and fees (£998). The overall cost for comparison is 4.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 4.9% APRC
?
Leeds
Max LTV 75%:
Fixed to 28/02/23
Initial rate
1.69%
then 5.29% (variable)
Monthly repayments
£511
Scheme fees
£999
Annual cost
£6,633
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 2% until 28/02/23
Other info
Exit fee £199
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £511 and 276 payments of £732. The total amount payable would be £215,295 made up of the loan amount plus interest (£89,296) and fees (£999). The overall cost for comparison is 4.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 4.5% APRC
?
West Brom
Max LTV 60%:
Fixed to 28/02/23
Initial rate
1.69%
then 3.99% (variable)
Monthly repayments
£511
Scheme fees
£499
Annual cost
£6,383
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £500
Flexibility
Overpayments allowed? £1k p/m
Early Repayment Charge:
2% reducing to 1% until 28/02/23
Other info
Exit fee £195
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 2 years at 1.69% and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £511 and 276 payments of £647. The total amount payable would be £191,335 made up of the loan amount plus interest (£65,836) and fees (£499). The overall cost for comparison is 3.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 3.7% APRC
?
Load more