Yorkshire BS 4.26% initial rate £1,220.00 Monthly Repayments £995.00 Product Fees 6.84% APRC £15,139.54 Annual Cost Representative Example 6.84% 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 30/11/27 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 30/11/27 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 4.26% and then on a variable rate of 7.24% for the remaining 23 years would require 24 payments of £1,220 and 276 payments of £1,598. The total amount payable would be £471,323 made up of the loan amount plus interest (£245,328) and fees (£995). The overall cost for comparison is 6.8% APRC representative.
West Brom 4.29% initial rate £1,224.00 Monthly Repayments £999.00 Product Fees 6.12% APRC £15,187.02 Annual Cost Representative Example 6.12% 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? £1k p/m Early Repayment Charge 2.5% reducing to 1.5% until 31/12/27 Exit fee £125 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? £1k p/m Arrangement fee £999 Early Repayment Charge 2.5% reducing to 1.5% until 31/12/27 Other fees £ 0 Exit fee £125 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 4.29% and then on a variable rate of 6.39% for the remaining 23 years would require 24 payments of £1,224 and 276 payments of £1,485. The total amount payable would be £440,235 made up of the loan amount plus interest (£214,236) and fees (£999). The overall cost for comparison is 6.1% APRC representative.
Yorkshire BS 4.31% initial rate £1,226.00 Monthly Repayments £995.00 Product Fees 6.85% APRC £15,215.26 Annual Cost Representative Example 6.85% 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 30/11/27 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 30/11/27 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 4.31% and then on a variable rate of 7.24% for the remaining 23 years would require 24 payments of £1,226 and 276 payments of £1,598. The total amount payable would be £471,467 made up of the loan amount plus interest (£245,472) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
First Direct 4.32% initial rate £1,228.00 Monthly Repayments £490.00 Product Fees 6.41% APRC £14,978.00 Annual Cost Representative Example 6.41% APRC Max LTV 90% Fees and Charges Booking fee £490 Arrangement fee £0 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? Unlimited Early Repayment Charge 3% reducing to 2% for 2 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £490 Overpayments allowed? Unlimited Arrangement fee £0 Early Repayment Charge 3% reducing to 2% 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 6.49% for the remaining 23 years would require 24 payments of £1,228 and 276 payments of £1,499. The total amount payable would be £443,686 made up of the loan amount plus interest (£218,196) and fees (£490). The overall cost for comparison is 6.4% APRC representative.
First Direct 4.32% initial rate £1,228.00 Monthly Repayments £490.00 Product Fees 5.93% APRC £14,831.00 Annual Cost Representative Example 5.93% APRC Max LTV 90% Fees and Charges Booking fee £490 Arrangement fee £0 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? Unlimited Early Repayment Charge 3% reducing to 2% for 5 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £490 Overpayments allowed? Unlimited Arrangement fee £0 Early Repayment Charge 3% reducing to 2% 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 4.32% and then on a variable rate of 6.49% for the remaining 20 years would require 60 payments of £1,228 and 240 payments of £1,468. The total amount payable would be £426,490 made up of the loan amount plus interest (£201,000) and fees (£490). The overall cost for comparison is 5.9% APRC representative.
Halifax 4.33% initial rate £1,229.00 Monthly Repayments £1,099.00 Product Fees 7.07% APRC £15,297.62 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 4.33% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,229 and 276 payments of £1,632. The total amount payable would be £481,027 made up of the loan amount plus interest (£254,928) and fees (£1,099). The overall cost for comparison is 7.1% APRC representative.
Lloyds 4.33% initial rate £1,229.00 Monthly Repayments £999.00 Product Fees 7.07% APRC £15,247.62 Annual Cost Representative Example 7.07% 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% 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 £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 2 years at 4.33% and then on a variable rate of 7.49% for the remaining 23 years would require 24 payments of £1,229 and 276 payments of £1,632. The total amount payable would be £480,927 made up of the loan amount plus interest (£254,928) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Co-Op 4.35% initial rate £1,232.00 Monthly Repayments £999.00 Product Fees 6.38% APRC £15,028.15 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 31/01/29 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 31/01/29 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 4.35% and then on a variable rate of 6.87% for the remaining 22 years would require 36 payments of £1,232 and 264 payments of £1,537. The total amount payable would be £450,869 made up of the loan amount plus interest (£225,120) and fees (£749). The overall cost for comparison is 6.4% APRC representative.
Clydesdale 4.39% initial rate £1,237.00 Monthly Repayments £1,499.00 Product Fees 6.16% APRC £15,139.24 Annual Cost Representative Example 6.16% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £1499 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 2% until 31/12/30 Exit fee £99 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £1499 Early Repayment Charge 5% reducing to 2% until 31/12/30 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 5 years at 4.39% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,237 and 240 payments of £1,529. The total amount payable would be £442,679 made up of the loan amount plus interest (£216,180) and fees (£1,499). The overall cost for comparison is 6.2% APRC representative.
Yorkshire BS 4.39% initial rate £1,237.00 Monthly Repayments £995.00 Product Fees 6.67% APRC £15,171.11 Annual Cost Representative Example 6.67% 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 3% reducing to 2% until 30/11/28 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 3% reducing to 2% until 30/11/28 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 3 years at 4.39% and then on a variable rate of 7.24% for the remaining 22 years would require 36 payments of £1,237 and 264 payments of £1,586. The total amount payable would be £464,231 made up of the loan amount plus interest (£238,236) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
