Compare Repayment Mortgages

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  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      0.83% Discounted Variable for 2 years (3.26% disc)
    • APRC
      3.70%
    • Product Fee
      £1,999
    • Monthly Repayment
      £553.84
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Discounted Variable

    • Initial Rate
      0.83% Discounted Variable for 2 years (3.26% disc)
    • APRC
      3.70%
    • Product Fee
      £1,999
    • Monthly Repayment
      £553.84
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.84% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £554.51
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.84% Fixed to 02/01/2024
    • APRC
      2.80%
    • Product Fee
      £749
    • Monthly Repayment
      £554.51
    Continue on Fluent Mortgages' website + More info
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.84% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £554.51
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Variable

    • Cashback Available
    • Initial Rate
      0.85% Variable (collared at 0.75%) for 2 years
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £555.18
    Continue on Fluent Mortgages' website + More info
  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.86% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £555.85
    Continue on Fluent Mortgages' website + More info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.87% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £556.53
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.87% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £556.53
  • Click here to see 1 similar product
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.87% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £556.53
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £557.20
    Continue on Fluent Mortgages' website + More info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 01/12/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £557.20
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £557.20
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Initial Rate
      0.88% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £557.20
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.89% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Initial Rate
      0.89% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      0.89% Fixed for 3 years
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed for 3 years
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed to 02/01/2024
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.89% Fixed to 02/01/2024
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
    Continue on Fluent Mortgages' website + More info
  • Click here to see 1 similar product
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.90% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £995
    • Monthly Repayment
      £558.54
    Continue on Halifax's website + More info
  • Halifax's logo'

    Halifax 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.90% Fixed to 30/11/2023
    • APRC
      3.50%
    • Product Fee
      £995
    • Monthly Repayment
      £558.54
    Continue on Halifax's website + More info

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.

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Last updated on 09 November 2020.

Repayment Mortgages FAQ

What is a repayment mortgage?

With a repayment mortgage you'll repay the mortgage capital each month along with the interest, unlike interest only mortgages which allow borrowers to pay off just the interest on the loan each month.

Is a repayment mortgage right for me?

If you can afford to make the monthly repayments each month and you want to take steps to clear your mortgage debt then a repayment mortgage is suitable for you.

What are the benefits of a repayment mortgage?

The main benefit of repayment mortgages is that, because you are repaying both the mortgage and the interest, at the end of the mortgage term you will own the property outright. Repayment mortgages are also cheaper overall than interest only mortgages.

What are the downsides of repayment mortgages?

While repayment mortgages are cheaper overall, they can seem more expensive in the short term. Monthly repayments for repayment mortgages are obviously more expensive than for interest only mortgages as you're paying back not just the interest but also the actual debt.

What fees will I pay for a repayment mortgage?

When taking out a repayment mortgage you're likely to face an arrangement fee (which can be £2000 or more), a booking fee, a valuation fee and legal fees. However, it's worth noting that not all fees apply to all products.

How can I compare repayment mortgages?

NerdWallet's comprehensive comparison tables make it easy and straightforward to compare all repayment mortgages. They are free to use and allow you to sort products by fees, rates and overall costs.