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Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.29% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£0
Monthly Repayment
£585.22

Continue on Barclays Mortgage's website + More Info

Lender:
Barclays Mortgage
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£50,000
Max Loan:
£2,000,000
Product Description:
1.29% Fixed to 31/08/2023
Incentives:
Free valuation fees
No arrangement fees
free legal fees
£250 cashback

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£585.22 x 26
Ongoing Monthly Payments:
£743.11 x 274
Total Amount Payable:
£218,657.86
Total Interest Payable:
£68,827.86
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2% Sum Repaid

Barclays Mortgage 2 Year Fixed

Cashback Available

Initial Rate
1.29% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£0
Monthly Repayment
£585.22

Continue on Barclays Mortgage's website + More Info

Lender:
Barclays Mortgage
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£50,000
Max Loan:
£2,000,000
Product Description:
1.29% Fixed to 31/08/2023
Incentives:
Free valuation fees
No arrangement fees
£350 cashback

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£585.22 x 26
Ongoing Monthly Payments:
£743.11 x 274
Total Amount Payable:
£218,957.86
Total Interest Payable:
£68,827.86
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2% Sum Repaid

Click here to see 1 similar product Click here to hide 1 similar product

HSBC 2 Year Fixed

Initial Rate
1.29% Fixed to 31/08/2023
APRC
3.20%
Product Fee
£0
Monthly Repayment
£585.22

0808 291 2452

+ More Info

Lender:
HSBC
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£10,000
Max Loan:
£5,000,000
Product Description:
1.29% Fixed to 31/08/2023
Incentives:
Free valuation fees
No arrangement fees
free legal fees Remortgages

Initial Monthly Repayment:
£585.22 x 26
Ongoing Monthly Payments:
£739.44 x 274
Total Amount Payable:
£217,917.28
Total Interest Payable:
£67,822.28
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/23: 2/1% Outstanding Balance

Santander 2 Year Fixed

Cashback Available

Initial Rate
1.34% Fixed to 02/09/2023
APRC
2.80%
Product Fee
£0
Monthly Repayment
£588.69

Continue on Fluent Mortgages' website + More Info

Lender:
Santander
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£25,000
Max Loan:
£550,000
Product Description:
1.34% Fixed to 02/09/2023
Incentives:
Free valuation admin fees England, Wales, Northern Ireland
No arrangement fees
£250 cashback On Completion or free legal fees
free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

Initial Monthly Repayment:
£588.69 x 26
Ongoing Monthly Payments:
£725.94 x 274
Total Amount Payable:
£214,438.50
Total Interest Payable:
£64,213.50
Valuation Fee:
Free
Exit Admin Fee:
£225
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 2/9/23: 3% Outstanding Balance,to 2/7/23: Â£250 reclaimedCashback Reclaimed or to : 2/7/23. Legal Fee (Max Â£200.00)

Nationwide BS 2 Year Fixed

Initial Rate
1.39% Fixed for 2 years
APRC
3.20%
Product Fee
£0
Monthly Repayment
£592.18

Continue on Fluent Mortgages' website + More Info

Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.39% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
Green reward for properties with an EPC score of 86 to 91 £250 or Green reward for properties with an EPC score of 92+ £500

Initial Monthly Repayment:
£592.18 x 24
Ongoing Monthly Payments:
£744.93 x 276
Total Amount Payable:
£220,613
Total Interest Payable:
£69,813
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

Leek United BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.40% Discounted Variable for 2 years (3.79% disc)
APRC
4.50%
Product Fee
£0
Monthly Repayment
£592.88

Continue on Fluent Mortgages' website + More Info

Lender:
Leek United BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
75%
Min Loan:
£25,000
Max Loan:
Varies
Product Description:
1.40% Discounted Variable for 2 years (3.79% disc)
Incentives:
Free valuation fees
No arrangement fees
£400 cashback On Completion

Ongoing Monthly Payments:
£592.88 x 24
Total Amount Payable:
£254,102.92
Total Interest Payable:
£104,017.92
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Outstanding Balance

Leek United BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.40% Discounted Variable for 2 years (3.79% disc)
APRC
4.50%
Product Fee
£0
Monthly Repayment
£592.88

Continue on Fluent Mortgages' website + More Info

Lender:
Leek United BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
70%
Min Loan:
£25,000
Max Loan:
Varies
Product Description:
1.40% Discounted Variable for 2 years (3.79% disc)
Incentives:
Free valuation fees
No arrangement fees
£400 cashback On Completion

Ongoing Monthly Payments:
£592.88 x 24
Total Amount Payable:
£254,102.92
Total Interest Payable:
£104,017.92
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Outstanding Balance

Leek United BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.40% Discounted Variable for 2 years (3.79% disc)
APRC
4.50%
Product Fee
£0
Monthly Repayment
£592.88

Continue on Fluent Mortgages' website + More Info

Lender:
Leek United BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
75%
Min Loan:
£25,000
Max Loan:
Varies
Product Description:
1.40% Discounted Variable for 2 years (3.79% disc)
Incentives:
Free valuation fees
No arrangement fees
£400 cashback On Completion

Ongoing Monthly Payments:
£592.88 x 24
Total Amount Payable:
£254,102.92
Total Interest Payable:
£104,017.92
Valuation Fee:
Free
Exit Admin Fee:
£85
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1/0.5% Outstanding Balance

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first direct 2 Year Fixed

Initial Rate
1.44% Fixed for 2 years
APRC
3.10%
Product Fee
£0
Monthly Repayment
£595.69

0808 302 6187

+ More Info

Lender:
first direct
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£10,000
Max Loan:
£1,000,000
Product Description:
1.44% Fixed for 2 years
Incentives:
Free valuation fees
free legal fees Remortgages
No arrangement fees

Initial Monthly Repayment:
£595.69 x 24
Ongoing Monthly Payments:
£741.56 x 276
Total Amount Payable:
£218,967.12
Total Interest Payable:
£68,967.12
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 3/2% Mortgage Advance

Nationwide BS 2 Year Fixed

Cashback Available

Initial Rate
1.44% Fixed for 2 years
APRC
3.10%
Product Fee
£0
Monthly Repayment
£595.69

Continue on Fluent Mortgages' website + More Info

Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.44% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
£500 cashback or free legal fees

Initial Monthly Repayment:
£595.69 x 24
Ongoing Monthly Payments:
£745.26 x 276
Total Amount Payable:
£219,988.32
Total Interest Payable:
£69,988.32
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

Barclays Mortgage 5 Year Fixed

Cashback Available

Initial Rate
1.45% Fixed to 31/08/2026
APRC
2.80%
Product Fee
£0
Monthly Repayment
£596.39

Continue on Barclays Mortgage's website + More Info

Lender:
Barclays Mortgage
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£50,000
Max Loan:
£2,000,000
Product Description:
1.45% Fixed to 31/08/2026
Incentives:
Free valuation fees
No arrangement fees
free legal fees
£250 cashback

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£596.39 x 62
Ongoing Monthly Payments:
£724.89 x 238
Total Amount Payable:
£209,330
Total Interest Payable:
£59,500
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/26: 3% Sum Repaid

Barclays Mortgage 5 Year Fixed

Cashback Available

Initial Rate
1.45% Fixed to 31/08/2026
APRC
2.80%
Product Fee
£0
Monthly Repayment
£596.39

Continue on Barclays Mortgage's website + More Info

Lender:
Barclays Mortgage
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£50,000
Max Loan:
£2,000,000
Product Description:
1.45% Fixed to 31/08/2026
Incentives:
Free valuation fees
No arrangement fees
£350 cashback

Website:
www.barclays.co.uk/intermediaries
Initial Monthly Repayment:
£596.39 x 62
Ongoing Monthly Payments:
£724.89 x 238
Total Amount Payable:
£209,630
Total Interest Payable:
£59,500
Valuation Fee:
Free
Exit Admin Fee:
£80
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/26: 3% Sum Repaid

Click here to see 1 similar product Click here to hide 1 similar product

Leeds BS 2 Year Fixed

Initial Rate
1.45% Fixed to 31/07/2023
APRC
4.40%
Product Fee
£0
Monthly Repayment
£596.39

Continue on Fluent Mortgages' website + More Info

Lender:
Leeds BS
Max First Time Buyer LTV:
65%
Max House Purchase LTV:
65%
Max Remortgage LTV:
65%
Min Loan:
£0
Max Loan:
Varies
Product Description:
1.45% Fixed to 31/07/2023
Incentives:
Free valuation fees (Max £999)
free valuation admin fees
No arrangement fees
help towards costs Remortgages

Initial Monthly Repayment:
£596.39 x 25
Ongoing Monthly Payments:
£778.45 x 36
Total Amount Payable:
£250,310.97
Total Interest Payable:
£99,711.97
Valuation Fee:
Free
Exit Admin Fee:
£199
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/7/23: 3/2% Sum Repaid

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 1.45%, reverting to 4.04% variable for 36 months and 5.29% variable for remaining term. 25 monthly payments of £596.39, 36 monthly payments of £778.45, and 239 monthly payments of £865.18. The total amount payable would be £249,960.97 made up of the loan amount, interest £99,711.97 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.40% APRC representative.

Cumberland BS 2 Year Fixed

Initial Rate
1.48% Fixed to 01/07/2023
APRC
3.70%
Product Fee
£0
Monthly Repayment
£598.50

Continue on Fluent Mortgages' website + More Info

Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£20,000
Max Loan:
Varies
Product Description:
1.48% Fixed to 01/07/2023
Incentives:
Free valuation fees
free legal fees
No arrangement fees

Initial Monthly Repayment:
£598.50 x 24
Ongoing Monthly Payments:
£783.13 x 276
Total Amount Payable:
£230,657.88
Total Interest Payable:
£80,507.88
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/7/23: 2/1% Sum Repaid

Cumberland BS 2 Year Fixed

Initial Rate
1.48% Fixed to 01/07/2023
APRC
3.70%
Product Fee
£0
Monthly Repayment
£598.50

Continue on Fluent Mortgages' website + More Info

Lender:
Cumberland BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
60%
Min Loan:
£20,000
Max Loan:
Varies
Product Description:
1.48% Fixed to 01/07/2023
Incentives:
Free valuation fees
free legal fees
No arrangement fees

Initial Monthly Repayment:
£598.50 x 24
Ongoing Monthly Payments:
£783.13 x 276
Total Amount Payable:
£230,657.88
Total Interest Payable:
£80,507.88
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/7/23: 2/1% Sum Repaid

Click here to see 1 similar product Click here to hide 1 similar product

Virgin Money 5 Year Fixed

Initial Rate
1.48% Fixed to 01/10/2026
APRC
3.10%
Product Fee
£0
Monthly Repayment
£598.50

Continue on Fluent Mortgages' website + More Info

Lender:
Virgin Money
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
65%
Min Loan:
£0
Max Loan:
£1,000,000
Product Description:
1.48% Fixed to 01/10/2026
Incentives:
Free valuation fees
free legal fees
No arrangement fees

Initial Monthly Repayment:
£598.50 x 63
Ongoing Monthly Payments:
£773.24 x 21
Total Amount Payable:
£217,749.62
Total Interest Payable:
£67,699.62
Valuation Fee:
Free
Exit Admin Fee:
£50
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 1/10/26: 3.5% Outstanding Balance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 63 months at 1.48%, reverting to 4.34% variable for 21 months and 4.09% variable for remaining term. 63 monthly payments of £598.50, 21 monthly payments of £773.24, and 216 monthly payments of £758.13. The total amount payable would be £218,069.62 made up of the loan amount, interest £67,699.62 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.10% APRC representative.

HSBC 5 Year Fixed

Initial Rate
1.49% Fixed to 31/08/2026
APRC
2.80%
Product Fee
£0
Monthly Repayment
£599.20

0808 291 2452

+ More Info

Lender:
HSBC
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£10,000
Max Loan:
£5,000,000
Product Description:
1.49% Fixed to 31/08/2026
Incentives:
Free valuation fees
No arrangement fees
free legal fees Remortgages

Initial Monthly Repayment:
£599.20 x 62
Ongoing Monthly Payments:
£722.38 x 238
Total Amount Payable:
£209,171.84
Total Interest Payable:
£59,076.84
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/8/26: 5/4/3/2/1% Outstanding Balance

Nationwide BS 5 Year Fixed

Initial Rate
1.49% Fixed for 5 years
APRC
2.60%
Product Fee
£0
Monthly Repayment
£599.20

Continue on Fluent Mortgages' website + More Info

Lender:
Nationwide BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
60%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.49% Fixed for 5 years
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
Green reward for properties with an EPC score of 86 to 91 £250 or Green reward for properties with an EPC score of 92+ £500

Initial Monthly Repayment:
£599.20 x 60
Ongoing Monthly Payments:
£726.61 x 240
Total Amount Payable:
£211,138.40
Total Interest Payable:
£60,338.40
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 3/3/2.5/1.75/0.75% Outstanding Balance

Nationwide BS 2 Year Fixed

Cashback Available

Initial Rate
1.49% Fixed for 2 years
APRC
3.20%
Product Fee
£0
Monthly Repayment
£599.20

Continue on Fluent Mortgages' website + More Info

Lender:
Nationwide BS
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
0%
Max Remortgage LTV:
0%
Min Loan:
£25,000
Max Loan:
£2,000,000
Product Description:
1.49% Fixed for 2 years
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees
£500 cashback
Green reward for properties with an EPC score of 86 to 91 £250 or Green reward for properties with an EPC score of 92+ £500

Initial Monthly Repayment:
£599.20 x 24
Ongoing Monthly Payments:
£745.59 x 276
Total Amount Payable:
£220,463.64
Total Interest Payable:
£70,163.64
Valuation Fee:
Free
Exit Admin Fee:
£0
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1.5/0.75% Outstanding Balance

Skipton BS 2 Year Fixed

Initial Rate
1.49% Fixed to 30/09/2023
APRC
3.70%
Product Fee
£0
Monthly Repayment
£599.20

Continue on Fluent Mortgages' website + More Info

Lender:
Skipton BS
Max First Time Buyer LTV:
60%
Max House Purchase LTV:
60%
Max Remortgage LTV:
60%
Min Loan:
£5,000
Max Loan:
£1,000,000
Product Description:
1.49% Fixed to 30/09/2023
Incentives:
Free valuation fees
free legal fees Remortgages
free valuation admin fees
No arrangement fees

Initial Monthly Repayment:
£599.20 x 27
Ongoing Monthly Payments:
£747.68 x 36
Total Amount Payable:
£236,226.38
Total Interest Payable:
£86,131.38
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/9/23: 2/1% Outstanding Balance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.49%, reverting to 3.64% variable for 36 months and 4.64% variable for remaining term. 27 monthly payments of £599.20, 36 monthly payments of £747.68, and 237 monthly payments of £814.50. The total amount payable would be £236,276.38 made up of the loan amount, interest £86,131.38 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

Award-winning comparisons you can trust

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Published on 05 July 2017. Last updated on 09 November 2020.

No Fee Mortgages FAQ

What are no fee mortgages?

No fee mortgages are mortgages which do not feature any application fees.

Will I pay a more expensive rate for a no fee mortgage?

Yes, unfortunately you might do. Mortgages with low or no fees tend to come with higher interest rates.

Will I need a larger deposit for a no fee mortgage?

Not necessarily. There are a number of no fee mortgages on offer at a range of loan to values (LTVs). This means it's possible to access a no fee mortgage regardless of the size of your deposit.

What criteria will I have to meet?

You'll have to meet your lender's standard criteria including having a good credit score and being within its age limit. Your lender will also assess your income and outgoings to make sure you can afford the mortgage.

What are the benefits of a no fee mortgage?

Taking out a no fee mortgage means you can avoid paying a lump sum fee. While it is possible to add this fee onto the mortgage, this will mean you're actually paying interest on it for the whole of the mortgage term.

Are there any downsides to no fee mortgages?

The main downside with no fee mortgages is you're likely to pay a higher rate so it's important to work out whether the money you'd save on fees outweighs what you'll lose having a higher rate. It's also worth bearing in mind that no fee mortgages will only make you exempt from paying fees related to the mortgage product, you'll still have to pay a valuation fee and legal fees.

How can I compare no fee mortgages?

You can use NerdWallet's comprehensive and easy to use comparison tables to compare no fee mortgages.

Go to Mortgages Hub