Virgin Money 4.68% initial rate Fixed to 01/05/30 then 7.49% (variable) Max LTV 90% £1,274.00 Monthly Repayments £1,209.00 Product Fees 6.59% APRC £15,466.44 Annual Cost Representative Example more info 6.59% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £995 Other fees £0 Valuation fee £214 Cashback £ 300
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 2% until 01/05/30 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 5% reducing to 2% until 01/05/30 Other fees £ 0 Exit fee £99 Valuation fee £214 Basic legals Payable Cashback £ 300
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £1,274 and 240 payments of £1,596. The total amount payable would be £460,389 made up of the loan amount plus interest (£234,480) and fees (£909). The overall cost for comparison is 6.6% APRC representative.
HSBC 4.69% initial rate Fixed to 31/05/30 then 6.99% (variable) Max LTV 90% £1,275.00 Monthly Repayments £999.00 Product Fees 6.24% APRC £15,429.92 Annual Cost Representative Example more info 6.24% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £999 Other fees £0 Valuation fee £0 Cashback £ 350
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 1% until 31/05/30 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% until 31/05/30 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 350
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,275 and 240 payments of £1,536. The total amount payable would be £445,789 made up of the loan amount plus interest (£220,140) and fees (£649). The overall cost for comparison is 6.2% APRC representative.
Natwest 4.70% initial rate Fixed to 31/05/30 then 7.49% (variable) Max LTV 90% £1,276.00 Monthly Repayments £995.00 Product Fees 6.57% APRC £15,514.60 Annual Cost Representative Example more info 6.57% 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? 20% p/a Early Repayment Charge 4.5% reducing to 1% until 31/05/30 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 4.5% reducing to 1% until 31/05/30 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 4.70% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £1,276 and 240 payments of £1,597. The total amount payable would be £460,835 made up of the loan amount plus interest (£234,840) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Co-Op 4.73% initial rate Fixed to 30/06/30 then 7.37% (variable) Max LTV 90% £1,280.00 Monthly Repayments £999.00 Product Fees 6.51% APRC £15,511.96 Annual Cost Representative Example more info 6.51% 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 5% reducing to 1% until 30/06/30 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 5% reducing to 1% until 30/06/30 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 5 years at 4.73% and then on a variable rate of 7.37% for the remaining 20 years would require 60 payments of £1,280 and 240 payments of £1,583. The total amount payable would be £457,469 made up of the loan amount plus interest (£231,720) and fees (£749). The overall cost for comparison is 6.5% APRC representative.
Furness 4.74% initial rate Fixed for 5 years then 8.39% (variable) Max LTV 90% £1,281.00 Monthly Repayments £999.00 Product Fees 7.21% APRC £15,527.44 Annual Cost Representative Example more info 7.21% 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 5% reducing to 2% for 5 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 5% reducing to 2% for 5 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 5 years at 4.74% and then on a variable rate of 8.39% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,709. The total amount payable would be £487,769 made up of the loan amount plus interest (£262,020) and fees (£749). The overall cost for comparison is 7.2% APRC representative.
Nationwide 4.74% initial rate Fixed for 5 years then 7.24% (variable) Max LTV 90% £1,281.00 Monthly Repayments £999.00 Product Fees 6.6% APRC £15,577.44 Annual Cost Representative Example more info 6.6% 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 £65 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 £65 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 4.74% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,567. The total amount payable would be £453,939 made up of the loan amount plus interest (£227,940) and fees (£999). The overall cost for comparison is 6.6% APRC representative.
First Direct 4.74% initial rate Fixed for 5 years then 6.99% (variable) Max LTV 90% £1,281.00 Monthly Repayments £490.00 Product Fees 6.25% APRC £15,475.64 Annual Cost Representative Example more info 6.25% 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 4.74% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,538. The total amount payable would be £446,470 made up of the loan amount plus interest (£220,980) and fees (£490). The overall cost for comparison is 6.3% APRC representative.
Barclays 4.74% initial rate Fixed to 30/06/30 then 6.49% (variable) Max LTV 90% £1,281.00 Monthly Repayments £899.00 Product Fees 5.93% APRC £15,557.44 Annual Cost Representative Example more info 5.93% 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 4% until 30/06/30 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 4% until 30/06/30 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 5 years at 4.74% and then on a variable rate of 6.49% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,479. The total amount payable would be £432,719 made up of the loan amount plus interest (£206,820) and fees (£899). The overall cost for comparison is 5.9% APRC representative.
Santander 4.75% initial rate Fixed to 02/06/30 then 6.75% (variable) Max LTV 90% £1,283.00 Monthly Repayments £999.00 Product Fees 6.11% APRC £15,542.92 Annual Cost Representative Example more info 6.11% 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 5% reducing to 1% until 02/06/30 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 5% reducing to 1% until 02/06/30 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 5 years at 4.75% and then on a variable rate of 6.75% for the remaining 20 years would require 60 payments of £1,283 and 240 payments of £1,509. The total amount payable would be £439,889 made up of the loan amount plus interest (£214,140) and fees (£749). The overall cost for comparison is 6.1% APRC representative.
Coventry 4.78% initial rate Fixed to 31/08/30 then 7.09% (variable) Max LTV 90% £1,287.00 Monthly Repayments £999.00 Product Fees 6.44% APRC £15,639.60 Annual Cost Representative Example more info 6.44% 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 2% until 31/08/30 Exit fee £125 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 2% until 31/08/30 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 5 years at 4.78% and then on a variable rate of 7.09% for the remaining 20 years would require 60 payments of £1,287 and 240 payments of £1,550. The total amount payable would be £450,219 made up of the loan amount plus interest (£224,220) and fees (£999). The overall cost for comparison is 6.4% APRC representative.