Nationwide
4.78% initial rate
Fixed for 5 years
then 7.99% (variable) Max LTV 90%
£1,286.65
Monthly Repayments
£999.00
Product Fees
6.95% APRC
£15,639.60
Annual Cost
Representative Example more info
6.95% 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% 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 2% 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 4.78% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,286 and 240 payments of £1,659. The total amount payable would be £476,319 made up of the loan amount plus interest (£250,320) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Virgin Money
4.79% initial rate
Fixed to 01/10/29
then 9.24% (variable) Max LTV 90%
£1,287.95
Monthly Repayments
£1,209.00
Product Fees
7.81% APRC
£15,637.20
Annual Cost
Representative Example more info
7.81% 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
3.5% until 01/10/29
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
3.5% until 01/10/29
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 4.79% and then on a variable rate of 9.24% for the remaining 20 years would require 60 payments of £1,287 and 240 payments of £1,817. The total amount payable would be £514,209 made up of the loan amount plus interest (£288,300) and fees (£909). The overall cost for comparison is 7.8% APRC representative.
Nationwide
4.80% initial rate
Fixed for 5 years
then 7.99% (variable) Max LTV 90%
£1,289.24
Monthly Repayments
£999.00
Product Fees
6.96% APRC
£15,570.68
Annual Cost
Representative Example more info
6.96% APRC
Max LTV 90%
Fees and Charges
Booking fee
£0
Arrangement fee
£999
Other fees
£0
Valuation fee
£0
Cashback
£ 500
Flexibility & Other info
Overpayments allowed?
10% p/a
Early Repayment Charge
5% reducing to 2% 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 2% for 5 years
Other fees
£ 0
Exit fee
£65
Valuation fee
£0
Basic legals
Payable
Cashback
£ 500
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.80% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,289 and 240 payments of £1,660. The total amount payable would be £476,239 made up of the loan amount plus interest (£250,740) and fees (£499). The overall cost for comparison is 7.0% APRC representative.
HSBC
4.83% initial rate
Fixed to 30/09/29
then 6.99% (variable) Max LTV 90%
£1,293.14
Monthly Repayments
£999.00
Product Fees
6.29% APRC
£15,647.48
Annual Cost
Representative Example more info
6.29% 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 30/09/29
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 30/09/29
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 4.83% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,293 and 240 payments of £1,539. The total amount payable would be £447,589 made up of the loan amount plus interest (£221,940) and fees (£649). The overall cost for comparison is 6.3% APRC representative.
Barclays
4.85% initial rate
Fixed to 30/09/29
then 8.74% (variable) Max LTV 90%
£1,295.74
Monthly Repayments
£999.00
Product Fees
7.48% APRC
£15,748.68
Annual Cost
Representative Example more info
7.48% 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
4% until 30/09/29
Exit fee
£80
Basic legals
Payable
Fees and Charges
Flexibility & Other info
Booking fee
£0
Overpayments allowed?
10% p/a
Arrangement fee
£999
Early Repayment Charge
4% until 30/09/29
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 4.85% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £1,295 and 240 payments of £1,755. The total amount payable would be £499,899 made up of the loan amount plus interest (£273,900) and fees (£999). The overall cost for comparison is 7.5% APRC representative.
Clydesdale
4.85% initial rate
Fixed to 31/10/29
then 9.24% (variable) Max LTV 90%
£1,295.74
Monthly Repayments
£1,680.00
Product Fees
7.83% APRC
£15,884.88
Annual Cost
Representative Example more info
7.83% APRC
Max LTV 90%
Fees and Charges
Booking fee
£0
Arrangement fee
£1499
Other fees
£0
Valuation fee
£181
Cashback
£ 0
Flexibility & Other info
Overpayments allowed?
10% p/a
Early Repayment Charge
5% reducing to 2% until 31/10/29
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 31/10/29
Other fees
£ 0
Exit fee
£99
Valuation fee
£181
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 4.85% and then on a variable rate of 9.24% for the remaining 20 years would require 60 payments of £1,295 and 240 payments of £1,819. The total amount payable would be £515,940 made up of the loan amount plus interest (£289,260) and fees (£1,680). The overall cost for comparison is 7.8% APRC representative.
First Direct
4.85% initial rate
Fixed for 5 years
then 6.99% (variable) Max LTV 90%
£1,295.74
Monthly Repayments
£490.00
Product Fees
6.29% APRC
£15,646.88
Annual Cost
Representative Example more info
6.29% 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 4.85% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,295 and 240 payments of £1,540. The total amount payable would be £447,790 made up of the loan amount plus interest (£222,300) and fees (£490). The overall cost for comparison is 6.3% APRC representative.
Cumberland
4.88% initial rate
Fixed to 01/10/29
then 8.24% (variable) Max LTV 90%
£1,299.64
Monthly Repayments
£999.00
Product Fees
7.15% APRC
£15,795.48
Annual Cost
Representative Example more info
7.15% 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% until 01/10/29
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 1% until 01/10/29
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 4.88% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £1,299 and 240 payments of £1,693. The total amount payable would be £485,259 made up of the loan amount plus interest (£259,260) and fees (£999). The overall cost for comparison is 7.2% APRC representative.
Natwest
4.88% initial rate
Fixed to 30/11/29
then 8.24% (variable) Max LTV 90%
£1,299.64
Monthly Repayments
£995.00
Product Fees
7.15% APRC
£15,794.68
Annual Cost
Representative Example more info
7.15% 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 30/11/29
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 30/11/29
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 4.88% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £1,299 and 240 payments of £1,693. The total amount payable would be £485,255 made up of the loan amount plus interest (£259,260) and fees (£995). The overall cost for comparison is 7.2% APRC representative.
Leek BS
4.93% initial rate
Fixed to 31/10/29
then 8.24% (variable) Max LTV 90%
£1,306.17
Monthly Repayments
£995.00
Product Fees
7.17% APRC
£15,793.04
Annual Cost
Representative Example more info
7.17% APRC
Max LTV 90%
Fees and Charges
Booking fee
£0
Arrangement fee
£995
Other fees
£0
Valuation fee
£0
Cashback
£ 400
Flexibility & Other info
Overpayments allowed?
10% p/a
Early Repayment Charge
5% reducing to 1% until 31/10/29
Exit fee
£85
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 1% until 31/10/29
Other fees
£ 0
Exit fee
£85
Valuation fee
£0
Basic legals
Payable
Cashback
£ 400
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.93% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £1,306 and 240 payments of £1,695. The total amount payable would be £485,755 made up of the loan amount plus interest (£260,160) and fees (£595). The overall cost for comparison is 7.2% APRC representative.