Co-Op 4.29% initial rate £1,224.00 Monthly Repayments £999.00 Product Fees 6.53% APRC £15,062.02 Annual Cost Representative Example 6.53% 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 31/03/28 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 31/03/28 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 4.29% and then on a variable rate of 6.87% for the remaining 23 years would require 24 payments of £1,224 and 276 payments of £1,548. The total amount payable would be £457,373 made up of the loan amount plus interest (£231,624) and fees (£749). The overall cost for comparison is 6.5% APRC representative.
Halifax 4.30% initial rate £1,225.00 Monthly Repayments £1,099.00 Product Fees 7.07% APRC £15,252.14 Annual Cost Representative Example 7.07% 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 31/12/27 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 31/12/27 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 4.30% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,225 and 276 payments of £1,632. The total amount payable would be £480,931 made up of the loan amount plus interest (£254,832) and fees (£1,099). The overall cost for comparison is 7.1% APRC representative.
Lloyds 4.30% initial rate £1,225.00 Monthly Repayments £1,199.00 Product Fees 7.07% APRC £15,302.14 Annual Cost Representative Example 7.07% 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 4.30% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,225 and 276 payments of £1,632. The total amount payable would be £481,031 made up of the loan amount plus interest (£254,832) and fees (£1,199). The overall cost for comparison is 7.1% APRC representative.
Furness 4.32% initial rate £1,228.00 Monthly Repayments £999.00 Product Fees 7.72% APRC £15,107.50 Annual Cost Representative Example 7.72% 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 3% reducing to 2% for 2 years Exit fee £120 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 3% reducing to 2% for 2 years Other fees £ 0 Exit fee £120 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 4.32% and then on a variable rate of 8.09% for the remaining 23 years would require 24 payments of £1,228 and 276 payments of £1,715. The total amount payable would be £503,561 made up of the loan amount plus interest (£277,812) and fees (£749). The overall cost for comparison is 7.7% APRC representative.
Nationwide 4.32% initial rate £1,228.00 Monthly Repayments £999.00 Product Fees 6.42% APRC £15,232.50 Annual Cost Representative Example 6.42% 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 4.32% and then on a variable rate of 6.74% for the remaining 23 years would require 24 payments of £1,228 and 276 payments of £1,531. The total amount payable would be £453,027 made up of the loan amount plus interest (£227,028) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Virgin Money 4.32% initial rate £1,228.00 Monthly Repayments £995.00 Product Fees 6.64% APRC £15,230.50 Annual Cost Representative Example 6.64% 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 01/12/27 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 01/12/27 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 4.32% and then on a variable rate of 6.99% for the remaining 23 years would require 24 payments of £1,228 and 276 payments of £1,565. The total amount payable would be £462,407 made up of the loan amount plus interest (£236,412) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Natwest 4.34% initial rate £1,230.00 Monthly Repayments £995.00 Product Fees 6.64% APRC £15,135.86 Annual Cost Representative Example 6.64% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £995 Other fees £0 Valuation fee £0 Cashback £ 250
Flexibility & Other info Overpayments allowed? 20% p/a Early Repayment Charge 1.5% reducing to 0.75% until 31/01/28 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 20% p/a Arrangement fee £995 Early Repayment Charge 1.5% reducing to 0.75% until 31/01/28 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 4.34% and then on a variable rate of 6.99% for the remaining 23 years would require 24 payments of £1,230 and 276 payments of £1,565. The total amount payable would be £462,205 made up of the loan amount plus interest (£236,460) and fees (£745). The overall cost for comparison is 6.6% APRC representative.
Barclays 4.35% initial rate £1,232.00 Monthly Repayments £899.00 Product Fees 5.79% APRC £15,227.98 Annual Cost Representative Example 5.79% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £899 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 2% until 31/12/27 Exit fee £80 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £899 Early Repayment Charge 2% until 31/12/27 Other fees £ 0 Exit fee £80 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 4.35% and then on a variable rate of 5.99% for the remaining 23 years would require 24 payments of £1,232 and 276 payments of £1,434. The total amount payable would be £426,251 made up of the loan amount plus interest (£200,352) and fees (£899). The overall cost for comparison is 5.8% APRC representative.
HSBC 4.37% initial rate £1,234.00 Monthly Repayments £999.00 Product Fees 6.21% APRC £15,183.46 Annual Cost Representative Example 6.21% 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 30/11/27 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 30/11/27 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 4.37% and then on a variable rate of 6.49% for the remaining 23 years would require 24 payments of £1,234 and 276 payments of £1,499. The total amount payable would be £444,089 made up of the loan amount plus interest (£218,340) and fees (£749). The overall cost for comparison is 6.2% APRC representative.
Co-Op 4.37% initial rate £1,234.00 Monthly Repayments £999.00 Product Fees 6.38% APRC £15,058.63 Annual Cost Representative Example 6.38% 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 3% reducing to 1% until 31/03/29 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 3% reducing to 1% until 31/03/29 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 3 years at 4.37% and then on a variable rate of 6.87% for the remaining 22 years would require 36 payments of £1,234 and 264 payments of £1,538. The total amount payable would be £451,205 made up of the loan amount plus interest (£225,456) and fees (£749). The overall cost for comparison is 6.4% APRC representative.
