Virgin Money 4.52% initial rate Fixed to 01/01/30 then 8.99% (variable) Max LTV 90% £1,253.00 Monthly Repayments £995.00 Product Fees 7.53% APRC £15,237.16 Annual Cost Representative Example more info 7.53% 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 5% reducing to 2% until 01/01/30 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 01/01/30 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 4.52% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £1,253 and 240 payments of £1,778. The total amount payable would be £502,895 made up of the loan amount plus interest (£276,900) and fees (£995). The overall cost for comparison is 7.5% APRC representative.
Allied Irish Bank 4.53% initial rate Fixed to 30/11/29 then 7.50% (variable) Max LTV 90% £1,254.00 Monthly Repayments £200.00 Product Fees 6.5% APRC £15,093.52 Annual Cost Representative Example more info 6.5% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £0 Other fees £0 Valuation fee £200 Cashback £ 0
Flexibility & Other info Overpayments allowed? Early Repayment Charge 6 months interest until 30/11/29 Exit fee £55 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? Arrangement fee £0 Early Repayment Charge 6 months interest until 30/11/29 Other fees £ 0 Exit fee £55 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 5 years at 4.53% and then on a variable rate of 7.50% for the remaining 20 years would require 60 payments of £1,254 and 240 payments of £1,593. The total amount payable would be £457,760 made up of the loan amount plus interest (£232,560) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
First Direct 4.54% initial rate Fixed for 5 years then 6.99% (variable) Max LTV 90% £1,256.00 Monthly Repayments £490.00 Product Fees 6.18% APRC £15,166.88 Annual Cost Representative Example more info 6.18% 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 4.54% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,256 and 240 payments of £1,532. The total amount payable would be £443,530 made up of the loan amount plus interest (£218,040) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
HSBC 4.54% initial rate Fixed to 31/12/29 then 6.99% (variable) Max LTV 90% £1,256.00 Monthly Repayments £999.00 Product Fees 6.19% APRC £15,198.68 Annual Cost Representative Example more info 6.19% 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 31/12/29 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 31/12/29 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 4.54% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,256 and 240 payments of £1,532. The total amount payable would be £443,689 made up of the loan amount plus interest (£218,040) and fees (£649). The overall cost for comparison is 6.2% APRC representative.
Furness 4.54% initial rate Fixed for 5 years then 8.54% (variable) Max LTV 90% £1,256.00 Monthly Repayments £999.00 Product Fees 7.24% APRC £15,218.68 Annual Cost Representative Example more info 7.24% 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 4.54% and then on a variable rate of 8.54% for the remaining 20 years would require 60 payments of £1,256 and 240 payments of £1,722. The total amount payable would be £489,389 made up of the loan amount plus interest (£263,640) and fees (£749). The overall cost for comparison is 7.2% APRC representative.
Clydesdale 4.55% initial rate Fixed to 31/01/30 then 8.99% (variable) Max LTV 90% £1,257.00 Monthly Repayments £1,680.00 Product Fees 7.57% APRC £15,420.24 Annual Cost Representative Example more info 7.57% 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 31/01/30 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 31/01/30 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 4.55% and then on a variable rate of 8.99% for the remaining 20 years would require 60 payments of £1,257 and 240 payments of £1,779. The total amount payable would be £504,060 made up of the loan amount plus interest (£277,380) and fees (£1,680). The overall cost for comparison is 7.6% APRC representative.
Halifax 4.57% initial rate Fixed to 31/03/30 then 8.49% (variable) Max LTV 90% £1,260.00 Monthly Repayments £1,099.00 Product Fees 7.21% APRC £15,334.76 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 £100 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 1% until 31/03/30 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 31/03/30 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 5 years at 4.57% and then on a variable rate of 8.49% for the remaining 20 years would require 60 payments of £1,260 and 240 payments of £1,716. The total amount payable would be £488,539 made up of the loan amount plus interest (£262,440) and fees (£1,099). The overall cost for comparison is 7.2% APRC representative.
Skipton 4.58% initial rate Fixed to 28/02/30 then 6.79% (variable) Max LTV 90% £1,261.00 Monthly Repayments £2,995.00 Product Fees 6.12% APRC £15,729.32 Annual Cost Representative Example more info 6.12% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £2995 Other fees £0 Valuation fee £0 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 6% reducing to 1.75% until 28/02/30 Exit fee £55 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £2995 Early Repayment Charge 6% reducing to 1.75% until 28/02/30 Other fees £ 0 Exit fee £55 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 4.58% and then on a variable rate of 6.79% for the remaining 20 years would require 60 payments of £1,261 and 240 payments of £1,510. The total amount payable would be £441,055 made up of the loan amount plus interest (£213,060) and fees (£2,995). The overall cost for comparison is 6.1% APRC representative.
Coventry 4.59% initial rate Fixed to 30/04/30 then 7.24% (variable) Max LTV 90% £1,262.00 Monthly Repayments £999.00 Product Fees 6.37% APRC £15,345.48 Annual Cost Representative Example more info 6.37% 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 30/04/30 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 30/04/30 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 4.59% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,262 and 240 payments of £1,564. The total amount payable would be £452,079 made up of the loan amount plus interest (£226,080) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Barclays 4.59% initial rate Fixed to 31/12/29 then 6.99% (variable) Max LTV 90% £1,262.00 Monthly Repayments £999.00 Product Fees 6.2% APRC £15,345.48 Annual Cost Representative Example more info 6.2% 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 31/12/29 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 31/12/29 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 4.59% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,262 and 240 payments of £1,534. The total amount payable would be £444,879 made up of the loan amount plus interest (£218,880) and fees (£999). The overall cost for comparison is 6.2% APRC representative.