Santander 4.09% initial rate £1,199.00 Monthly Repayments £999.00 Product Fees 6.41% APRC £14,760.58 Annual Cost Representative Example 6.41% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 250
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% reducing to 1% until 02/03/28 Exit fee £225 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 2% reducing to 1% until 02/03/28 Other fees £ 0 Exit fee £225 Valuation fee £0 Basic legals Payable Cashback £ 250
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.09% and then on a variable rate of 6.75% for the remaining 23 years would require 24 payments of £1,199 and 276 payments of £1,530. The total amount payable would be £451,805 made up of the loan amount plus interest (£226,056) and fees (£749). The overall cost for comparison is 6.4% APRC representative.
Nationwide 4.14% initial rate £1,205.00 Monthly Repayments £999.00 Product Fees 6.39% APRC £14,960.58 Annual Cost Representative Example 6.39% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% reducing to 1% for 2 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 2% reducing to 1% for 2 years Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.14% and then on a variable rate of 6.74% for the remaining 23 years would require 24 payments of £1,205 and 276 payments of £1,530. The total amount payable would be £452,199 made up of the loan amount plus interest (£226,200) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Virgin Money 4.14% initial rate £1,205.00 Monthly Repayments £995.00 Product Fees 6.61% APRC £14,958.58 Annual Cost Representative Example 6.61% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £995 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2.5% reducing to 1.5% until 01/02/28 Exit fee £99 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £995 Early Repayment Charge 2.5% reducing to 1.5% until 01/02/28 Other fees £ 0 Exit fee £99 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.14% and then on a variable rate of 6.99% for the remaining 23 years would require 24 payments of £1,205 and 276 payments of £1,563. The total amount payable would be £461,303 made up of the loan amount plus interest (£235,308) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Lloyds 4.16% initial rate £1,208.00 Monthly Repayments £1,199.00 Product Fees 7.05% APRC £15,090.70 Annual Cost Representative Example 7.05% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £200 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% reducing to 1% until 29/02/28 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 2% reducing to 1% until 29/02/28 Other fees £ 0 Exit fee £0 Valuation fee £200 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.16% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,208 and 276 payments of £1,630. The total amount payable would be £480,071 made up of the loan amount plus interest (£253,872) and fees (£1,199). The overall cost for comparison is 7.1% APRC representative.
Halifax 4.16% initial rate £1,208.00 Monthly Repayments £1,099.00 Product Fees 7.05% APRC £15,040.70 Annual Cost Representative Example 7.05% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £100 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% reducing to 1% until 29/02/28 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 2% reducing to 1% until 29/02/28 Other fees £ 0 Exit fee £0 Valuation fee £100 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.16% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,208 and 276 payments of £1,630. The total amount payable would be £479,971 made up of the loan amount plus interest (£253,872) and fees (£1,099). The overall cost for comparison is 7.1% APRC representative.
Yorkshire BS 4.18% initial rate £1,210.00 Monthly Repayments £995.00 Product Fees 6.62% APRC £15,018.82 Annual Cost Representative Example 6.62% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £995 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2.5% reducing to 2% until 29/02/28 Exit fee £90 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £995 Early Repayment Charge 2.5% reducing to 2% until 29/02/28 Other fees £ 0 Exit fee £90 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.18% and then on a variable rate of 6.99% for the remaining 23 years would require 24 payments of £1,210 and 276 payments of £1,563. The total amount payable would be £461,423 made up of the loan amount plus interest (£235,428) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Bank of Ireland 4.19% initial rate £1,211.00 Monthly Repayments £1,495.00 Product Fees 6.82% APRC £15,283.82 Annual Cost Representative Example 6.82% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £1495 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 3% reducing to 2% until 29/02/28 Exit fee £195 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £1495 Early Repayment Charge 3% reducing to 2% until 29/02/28 Other fees £ 0 Exit fee £195 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.19% and then on a variable rate of 7.19% for the remaining 23 years would require 24 payments of £1,211 and 276 payments of £1,590. The total amount payable would be £469,399 made up of the loan amount plus interest (£242,904) and fees (£1,495). The overall cost for comparison is 6.8% APRC representative.
HSBC 4.20% initial rate £1,213.00 Monthly Repayments £999.00 Product Fees 6.19% APRC £14,925.94 Annual Cost Representative Example 6.19% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 250
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% reducing to 1% until 28/02/28 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 2% reducing to 1% until 28/02/28 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 250
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.20% and then on a variable rate of 6.49% for the remaining 23 years would require 24 payments of £1,213 and 276 payments of £1,497. The total amount payable would be £443,033 made up of the loan amount plus interest (£217,284) and fees (£749). The overall cost for comparison is 6.2% APRC representative.
Co-Op 4.21% initial rate £1,214.00 Monthly Repayments £999.00 Product Fees 6.52% APRC £14,941.06 Annual Cost Representative Example 6.52% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 250
Flexibility & Other info Overpayments allowed? 10% pa Early Repayment Charge 2% reducing to 1% until 30/04/28 Exit fee £100 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% pa Arrangement fee £999 Early Repayment Charge 2% reducing to 1% until 30/04/28 Other fees £ 0 Exit fee £100 Valuation fee £0 Basic legals Payable Cashback £ 250
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.21% and then on a variable rate of 6.87% for the remaining 23 years would require 24 payments of £1,214 and 276 payments of £1,548. The total amount payable would be £457,133 made up of the loan amount plus interest (£231,384) and fees (£749). The overall cost for comparison is 6.5% APRC representative.
Nationwide 4.21% initial rate £1,214.00 Monthly Repayments £999.00 Product Fees 5.91% APRC £14,766.36 Annual Cost Representative Example 5.91% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 1% for 5 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% for 5 years Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.21% and then on a variable rate of 6.74% for the remaining 20 years would require 60 payments of £1,214 and 240 payments of £1,495. The total amount payable would be £432,639 made up of the loan amount plus interest (£206,640) and fees (£999). The overall cost for comparison is 5.9% APRC representative.
