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Mortgage Rates Comparison

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Loan Type

Showing 10 of 50 results

Lender Name Initial Rate Monthly Repayments Product Fees Annual Cost

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
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 Charge5% reducing to 2% until 01/05/30
Exit fee£99
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£995Early Repayment Charge5% reducing to 2% until 01/05/30
Other fees£ 0Exit fee£99
Valuation fee£214Basic legalsPayable
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
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 Charge5% reducing to 1% until 31/05/30
Exit fee£0
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge5% reducing to 1% until 31/05/30
Other fees£ 0Exit fee£0
Valuation fee£0Basic legalsPayable
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
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 Charge4.5% reducing to 1% until 31/05/30
Exit fee£0
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?20% p/a
Arrangement fee£995Early Repayment Charge4.5% reducing to 1% until 31/05/30
Other fees£ 0Exit fee£0
Valuation fee£0Basic legalsPayable
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
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 Charge5% reducing to 1% until 30/06/30
Exit fee£100
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% pa
Arrangement fee£999Early Repayment Charge5% reducing to 1% until 30/06/30
Other fees£ 0Exit fee£100
Valuation fee£0Basic legalsPayable
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
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 Charge5% reducing to 2% for 5 years
Exit fee£120
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge5% reducing to 2% for 5 years
Other fees£ 0Exit fee£120
Valuation fee£0Basic legalsPayable
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
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 Charge5% reducing to 1% for 5 years
Exit fee£65
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge5% reducing to 1% for 5 years
Other fees£ 0Exit fee£65
Valuation fee£0Basic legalsPayable
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
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 Charge3% reducing to 2% for 5 years
Exit fee£0
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£490Overpayments allowed?Unlimited
Arrangement fee£0Early Repayment Charge3% reducing to 2% for 5 years
Other fees£ 0Exit fee£0
Valuation fee£0Basic legalsPayable
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
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 Charge4% until 30/06/30
Exit fee£80
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£899Early Repayment Charge4% until 30/06/30
Other fees£ 0Exit fee£80
Valuation fee£0Basic legalsPayable
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
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 Charge5% reducing to 1% until 02/06/30
Exit fee£225
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge5% reducing to 1% until 02/06/30
Other fees£ 0Exit fee£225
Valuation fee£0Basic legalsPayable
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
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 Charge5% reducing to 2% until 31/08/30
Exit fee£125
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge5% reducing to 2% until 31/08/30
Other fees£ 0Exit fee£125
Valuation fee£0Basic legalsPayable
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.

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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