Virgin Money 3.43% initial rate £1,118.00 Monthly Repayments £995.00 Product Fees 5.97% APRC £13,614.64 Annual Cost Representative Example 5.97% 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 01/09/30 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 01/09/30 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 3.43% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,118 and 240 payments of £1,532. The total amount payable would be £435,755 made up of the loan amount plus interest (£209,760) and fees (£995). The overall cost for comparison is 6.0% APRC representative.
Virgin Money 3.86% initial rate £1,170.00 Monthly Repayments £995.00 Product Fees 6.12% APRC £14,242.72 Annual Cost Representative Example 6.12% 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 01/09/30 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 01/09/30 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 3.86% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,170 and 240 payments of £1,544. The total amount payable would be £441,755 made up of the loan amount plus interest (£215,760) and fees (£995). The overall cost for comparison is 6.1% APRC representative.
Halifax 4.31% initial rate £1,226.00 Monthly Repayments £100.00 Product Fees 7.03% APRC £14,751.09 Annual Cost Representative Example 7.03% APRC Max LTV 95% Fees and Charges Booking fee £0 Arrangement fee £0 Other fees £0 Valuation fee £100 Cashback £ 0
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 3% reducing to 1% until 31/08/28 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £0 Early Repayment Charge 3% reducing to 1% until 31/08/28 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 3 years at 4.31% and then on a variable rate of 7.74% for the remaining 22 years would require 36 payments of £1,226 and 264 payments of £1,650. The total amount payable would be £479,836 made up of the loan amount plus interest (£254,736) and fees (£100). The overall cost for comparison is 7.0% APRC representative.
Virgin Money 4.44% initial rate £1,243.00 Monthly Repayments £995.00 Product Fees 6.32% APRC £15,114.64 Annual Cost Representative Example 6.32% 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 01/09/30 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 01/09/30 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 4.44% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,243 and 240 payments of £1,560. The total amount payable would be £449,975 made up of the loan amount plus interest (£223,980) and fees (£995). The overall cost for comparison is 6.3% APRC representative.
Virgin Money 4.44% initial rate £1,243.00 Monthly Repayments £995.00 Product Fees 6.88% APRC £15,413.14 Annual Cost Representative Example 6.88% 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 1.5% until 01/09/27 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 2.5% reducing to 1.5% until 01/09/27 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 2 years at 4.44% and then on a variable rate of 7.24% for the remaining 23 years would require 24 payments of £1,243 and 276 payments of £1,600. The total amount payable would be £472,427 made up of the loan amount plus interest (£246,432) and fees (£995). The overall cost for comparison is 6.9% APRC representative.
Furness 4.44% initial rate £1,243.00 Monthly Repayments £999.00 Product Fees 6.99% APRC £15,065.44 Annual Cost Representative Example 6.99% 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 4.44% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £1,243 and 240 payments of £1,681. The total amount payable would be £478,769 made up of the loan amount plus interest (£253,020) and fees (£749). The overall cost for comparison is 7.0% APRC representative.
Santander 4.44% initial rate £1,243.00 Monthly Repayments £999.00 Product Fees 6% APRC £15,065.44 Annual Cost Representative Example 6% 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 02/09/30 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 02/09/30 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 4.44% and then on a variable rate of 6.75% for the remaining 20 years would require 60 payments of £1,243 and 240 payments of £1,502. The total amount payable would be £435,809 made up of the loan amount plus interest (£210,060) and fees (£749). The overall cost for comparison is 6.0% APRC representative.
Nationwide 4.45% initial rate £1,244.00 Monthly Repayments £999.00 Product Fees 6.32% APRC £15,130.80 Annual Cost Representative Example 6.32% 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 £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% 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 4.45% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,244 and 240 payments of £1,530. The total amount payable would be £442,839 made up of the loan amount plus interest (£216,840) and fees (£999). The overall cost for comparison is 6.3% APRC representative.
First Direct 4.47% initial rate £1,247.00 Monthly Repayments £490.00 Product Fees 5.99% APRC £15,059.48 Annual Cost Representative Example 5.99% 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 4.47% and then on a variable rate of 6.74% for the remaining 20 years would require 60 payments of £1,247 and 240 payments of £1,501. The total amount payable would be £435,550 made up of the loan amount plus interest (£210,060) and fees (£490). The overall cost for comparison is 6.0% APRC representative.
Halifax 4.48% initial rate £1,248.00 Monthly Repayments £1,099.00 Product Fees 6.67% APRC £15,196.64 Annual Cost Representative Example 6.67% 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 31/08/30 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 31/08/30 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 4.48% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £1,248 and 240 payments of £1,621. The total amount payable would be £465,019 made up of the loan amount plus interest (£238,920) and fees (£1,099). The overall cost for comparison is 6.7% APRC representative.
