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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.

Many or all of the products and brands we promote and feature including our ‘Partner Spotlights’ are from our partners who compensate us. However, this does not influence our editorial opinion found in articles, reviews and our ‘Best’ tables. Our opinion is our own. Read more on our methodology here.

Partner Spotlight

Loan Type

Showing 10 of 50 results

Lender Name Initial Rate Monthly Repayments Product Fees Annual Cost

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
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 Charge5% reducing to 2% until 01/01/30
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 01/01/30
Other fees£ 0Exit fee£99
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 4.52% 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
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 Charge6 months interest until 30/11/29
Exit fee£55
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?
Arrangement fee£0Early Repayment Charge6 months interest until 30/11/29
Other fees£ 0Exit fee£55
Valuation fee£200Basic legalsPayable
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
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 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 4.54% 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
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 Charge5% reducing to 1% until 31/12/29
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 31/12/29
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 4.54% 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
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 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 4.54% 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
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 Charge5% reducing to 2% until 31/01/30
Exit fee£99
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£1499Early Repayment Charge5% reducing to 2% until 31/01/30
Other fees£ 0Exit fee£99
Valuation fee£181Basic legalsPayable
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
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 Charge5% reducing to 1% until 31/03/30
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 31/03/30
Other fees£ 0Exit fee£0
Valuation fee£100Basic legalsPayable
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
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 Charge6% reducing to 1.75% until 28/02/30
Exit fee£55
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£2995Early Repayment Charge6% reducing to 1.75% until 28/02/30
Other fees£ 0Exit fee£55
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 4.58% 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
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 Charge5% reducing to 2% until 30/04/30
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 30/04/30
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 4.59% 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
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 Charge4% until 31/12/29
Exit fee£80
Basic legalsPayable
Fees and Charges Flexibility & Other info
Booking fee£0Overpayments allowed?10% p/a
Arrangement fee£999Early Repayment Charge4% until 31/12/29
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 4.59% 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.

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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