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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it

PUBLISHED

03 MAY 2024

Mortgage Rates Comparison

Tell us what you’re looking for and see current UK mortgages available, including rates, repayments and product information. Continue online to our partner L&C for fee-free mortgage help and advice.

Partner Spotlight

Loan Type

Showing 10 of 50 results

Lender Name Initial Rate Monthly Repayments Product Fees Annual Cost

First Direct 		4.78% initial rate
Fixed for 5 years
then 6.99% (variable)

Max LTV 90% 		£1,286.65
Monthly Repayments 		£490.00
Product Fees 6.26% APRC 		£15,537.80
Annual Cost
6.26% APRC Max LTV 90%
Check if you qualify
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 4.78% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,286 and 240 payments of £1,538. The total amount payable would be £446,770 made up of the loan amount plus interest (£221,280) and fees (£490). The overall cost for comparison is 6.3% APRC representative.

First Direct 		4.88% initial rate
Fixed for 5 years
then 6.99% (variable)

Max LTV 90% 		£1,299.64
Monthly Repayments 		£0.00
Product Fees 6.28% APRC 		£15,595.68
Annual Cost
6.28% APRC Max LTV 90%
Check if you qualify
Fees and Charges
Booking fee £0
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 £0 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 4.88% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,299 and 240 payments of £1,541. The total amount payable would be £447,780 made up of the loan amount plus interest (£222,780) and fees (£0). The overall cost for comparison is 6.3% APRC representative.

Cumberland 		4.88% initial rate
Fixed to 01/08/29
then 8.24% (variable)

Max LTV 90% 		£1,299.64
Monthly Repayments 		£999.00
Product Fees 7.15% APRC 		£15,795.48
Annual Cost
7.15% APRC Max LTV 90%
Check if you qualify
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 01/08/29
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 01/08/29
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.

Nationwide 		4.89% initial rate
Fixed for 5 years
then 7.99% (variable)

Max LTV 90% 		£1,300.95
Monthly Repayments 		£999.00
Product Fees 6.98% APRC 		£15,811.20
Annual Cost
6.98% APRC Max LTV 90%
Check if you qualify
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 4.89% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,300 and 240 payments of £1,662. The total amount payable would be £477,879 made up of the loan amount plus interest (£251,880) and fees (£999). The overall cost for comparison is 7.0% APRC representative.

Nationwide 		4.90% initial rate
Fixed for 5 years
then 7.99% (variable)

Max LTV 90% 		£1,302.25
Monthly Repayments 		£999.00
Product Fees 6.99% APRC 		£15,726.80
Annual Cost
6.99% APRC Max LTV 90%
Check if you qualify
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 4.90% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,302 and 240 payments of £1,663. The total amount payable would be £477,739 made up of the loan amount plus interest (£252,240) and fees (£499). The overall cost for comparison is 7.0% APRC representative.

Clydesdale 		4.90% initial rate
Fixed to 31/08/29
then 9.49% (variable)

Max LTV 90% 		£1,302.25
Monthly Repayments 		£1,680.00
Product Fees 8.02% APRC 		£15,963.00
Annual Cost
8.02% APRC Max LTV 90%
Check if you qualify
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 31/08/29
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 31/08/29
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 4.90% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £1,302 and 240 payments of £1,853. The total amount payable would be £524,520 made up of the loan amount plus interest (£297,840) and fees (£1,680). The overall cost for comparison is 8.0% APRC representative.

Barclays 		4.90% initial rate
Fixed to 30/09/29
then 8.74% (variable)

Max LTV 90% 		£1,302.25
Monthly Repayments 		£999.00
Product Fees 7.49% APRC 		£15,826.80
Annual Cost
7.49% APRC Max LTV 90%
Check if you qualify
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 4.90% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £1,302 and 240 payments of £1,757. The total amount payable would be £500,799 made up of the loan amount plus interest (£274,800) and fees (£999). The overall cost for comparison is 7.5% APRC representative.

Lloyds 		4.92% initial rate
Fixed to 31/08/29
then 8.74% (variable)

Max LTV 90% 		£1,304.86
Monthly Repayments 		£999.00
Product Fees 7.5% APRC 		£15,858.12
Annual Cost
7.5% APRC Max LTV 90%
Check if you qualify
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% to 31/08/29
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% to 31/08/29
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 4.92% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £1,304 and 240 payments of £1,757. The total amount payable would be £500,919 made up of the loan amount plus interest (£274,920) and fees (£999). The overall cost for comparison is 7.5% APRC representative.

HSBC 		4.93% initial rate
Fixed to 31/07/29
then 6.99% (variable)

Max LTV 90% 		£1,306.17
Monthly Repayments 		£999.00
Product Fees 6.33% APRC 		£15,773.84
Annual Cost
6.33% APRC Max LTV 90%
Check if you qualify
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 1% until 31/07/29
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 31/07/29
Other fees £ 0 Exit fee £0
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 4.93% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,306 and 240 payments of £1,542. The total amount payable would be £448,939 made up of the loan amount plus interest (£223,440) and fees (£499). The overall cost for comparison is 6.3% APRC representative.

Virgin Money 		4.96% initial rate
Fixed to 01/10/29
then 9.49% (variable)

Max LTV 90% 		£1,310.09
Monthly Repayments 		£1,209.00
Product Fees 8.04% APRC 		£15,902.88
Annual Cost
8.04% APRC Max LTV 90%
Check if you qualify
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 4.96% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £1,310 and 240 payments of £1,855. The total amount payable would be £524,709 made up of the loan amount plus interest (£298,800) and fees (£909). The overall cost for comparison is 8.0% APRC representative.

Think carefully before securing other debts against your home.  You home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

Important Information:
This mortgage product comparison service is provided by L&C Mortgages. Information is updated up to twice daily from L&C’s whole of market mortgage database, however some products may be excluded such as those only available directly with a lender or specialist products. Products are initially shown in order of initial rate but can be reordered. By selecting to Continue Online you will introduced to L&C Mortgages and their qualified advisors a Nerdwallet brings you this mortgage rate comparison as a guide. Information does not constitute advice or recommendation. Rates should be considered with all fee’s and charges. Mortgage suitability is specific to your own personal and financial circumstances.

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Call L&C on:
0808 292 0841

Need Advice?

NerdWallet has partnered with L&C, the UK's leading fee free mortgage broker, to offer you expert advice

Call L&C on:
0808 292 0841
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