Compare Residential Mortgages

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  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Variable

    • Initial Rate
      0.78% Variable (collared at ) to 29/02/2024
    • APRC
      3.60%
    • Product Fee
      £995
    • Monthly Repayment
      £550.50
    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
  • 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
  • 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 29/02/2024
    • 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 29/02/2024
    • 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 29/02/2024
    • 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 29/02/2024
    • 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 01/01/2024
    • 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 01/01/2024
    • 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 29/02/2024
    • 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 29/02/2024
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £557.20
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.89% Fixed to 31/01/2024
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.89% Fixed to 31/01/2024
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £557.87
  • Click here to see 1 similar product
  • 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
  • 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
  • Click here to see 1 similar product
  • 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

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 04 March 2021.

Residential Mortgages FAQ

What is a residential mortgage?

Residential mortgages are financial products available to consumers who wish to borrow in order to purchase homes they wish to live in. They are often primarily sought by first-time buyers looking to get on the housing ladder.

Can I use a residential mortgage to buy a property for rental?

No. If you wish to buy a property to generate rental income from tenants, you must apply for a buy-to-let mortgage instead.

How do residential mortgages work?

There are a number of residential mortgage types you can seek. Residential repayment mortgages require the loan to be repaid in monthly instalments, with added interest. Interest-only residential mortgages, by comparison, require you to pay interest only, with the loan paid off in a lump sum when the term ends.

How can I determine the size of a mortgage loan?

LTV (loan-to-value) is a metric measuring the size of the mortgage loan relative to the value of the property you wish to buy. Most LTVs on offer are between 60–90 percent, meaning your deposit will cover the remaining 10–40 percent of a property’s value.

Are there ways to keep interest low on my residential mortgage?

Yes. If you’re a first-time buyer, a fixed-rate deal might be preferable, as this offers you a mortgage with a fixed rate of interest for the first 2–5 years, helping make it easier to manage those monthly instalments.

What is APRC?

The annual percentage rate of charge is a metric used to measure the overall cost of your mortgage when you include the rate of interest you can expect to pay over time, plus additional fees and costs. It gives you the chance to make an easy like-for-like comparison between different deals.

What is SVR?

The standard variable rate is the default rate of interest used by providers, which becomes payable if your mortgage deal expires and you don’t have a replacement deal in place. SVR is often higher than any fixed rate, so costs will be higher over time.

What is a discounted variable residential mortgage?

Discounted variable residential mortgages require you to repay your mortgage with a rate of interest set slightly below the lender’s SVR. This means interest will be paid at a rate set at the lender’s discretion.

Can I overpay on my residential mortgage?

Overpayment is often allowed on residential mortgage deals and serves as an effective way to reduce future mortgage payments, as you pay the loan off ahead of time. Providers often allow overpayment up to a certain level, before an early repayment charge becomes applicable.

What does an early repayment charge cost?

Early repayment charges differ from lender to lender, so always check terms and conditions so you’re completely aware of the costs associated with redeeming your mortgage early.

Where is the best place for me to compare residential mortgages?

NerdWallet have a comparison table, giving you a great opportunity to assess which residential mortgage deals are most affordable, and which best meet your requirements.