Virgin Money 4.62% initial rate £1,266.00 Monthly Repayments £995.00 Product Fees 6.55% APRC £15,391.00 Annual Cost Representative Example 6.55% 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 Charge 5% reducing to 2% until 01/05/30 Exit fee £99 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £995 Early Repayment Charge 5% reducing to 2% until 01/05/30 Other fees £ 0 Exit fee £99 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £1,266 and 240 payments of £1,594. The total amount payable would be £459,515 made up of the loan amount plus interest (£233,520) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Barclays 4.62% initial rate £1,266.00 Monthly Repayments £899.00 Product Fees 5.88% APRC £15,371.80 Annual Cost Representative Example 5.88% 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 Charge 4% until 30/06/30 Exit fee £80 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £899 Early Repayment Charge 4% until 30/06/30 Other fees £ 0 Exit fee £80 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 6.49% for the remaining 20 years would require 60 payments of £1,266 and 240 payments of £1,476. The total amount payable would be £431,099 made up of the loan amount plus interest (£205,200) and fees (£899). The overall cost for comparison is 5.9% APRC representative.
First Direct 4.65% initial rate £1,270.00 Monthly Repayments £490.00 Product Fees 6.21% APRC £15,336.32 Annual Cost Representative Example 6.21% 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 Charge 3% reducing to 2% for 5 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £490 Overpayments allowed? Unlimited Arrangement fee £0 Early Repayment Charge 3% reducing to 2% for 5 years Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.65% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,270 and 240 payments of £1,535. The total amount payable would be £445,090 made up of the loan amount plus interest (£219,600) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Halifax 4.66% initial rate £1,271.00 Monthly Repayments £1,099.00 Product Fees 6.91% APRC £15,473.48 Annual Cost Representative Example 6.91% 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 Charge 5% reducing to 1% until 30/06/30 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% until 30/06/30 Other fees £ 0 Exit fee £0 Valuation fee £100 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.66% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,271 and 240 payments of £1,657. The total amount payable would be £475,039 made up of the loan amount plus interest (£248,940) and fees (£1,099). The overall cost for comparison is 6.9% APRC representative.
Lloyds 4.66% initial rate £1,271.00 Monthly Repayments £999.00 Product Fees 6.9% APRC £15,453.48 Annual Cost Representative Example 6.9% 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 Charge 5% reducing to 1% until 31/05/30 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% until 31/05/30 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.66% and then on a variable rate of 7.99% for the remaining 20 years would require 60 payments of £1,271 and 240 payments of £1,657. The total amount payable would be £474,939 made up of the loan amount plus interest (£248,940) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Nationwide 4.67% initial rate £1,272.00 Monthly Repayments £999.00 Product Fees 6.4% APRC £15,468.96 Annual Cost Representative Example 6.4% 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 Charge 5% reducing to 1% for 5 years Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% for 5 years Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,272 and 240 payments of £1,566. The total amount payable would be £453,159 made up of the loan amount plus interest (£227,160) and fees (£999). The overall cost for comparison is 6.4% APRC representative.
Natwest 4.67% initial rate £1,272.00 Monthly Repayments £995.00 Product Fees 6.56% APRC £15,468.16 Annual Cost Representative Example 6.56% 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 Charge 4.5% reducing to 1% until 31/05/30 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 20% p/a Arrangement fee £995 Early Repayment Charge 4.5% reducing to 1% until 31/05/30 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 0
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £1,272 and 240 payments of £1,596. The total amount payable would be £460,355 made up of the loan amount plus interest (£234,360) and fees (£995). The overall cost for comparison is 6.6% APRC representative.
Virgin Money 4.68% initial rate £1,274.00 Monthly Repayments £1,209.00 Product Fees 6.59% APRC £15,466.44 Annual Cost Representative Example 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 Charge 5% reducing to 2% until 01/05/30 Exit fee £99 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £995 Early Repayment Charge 5% reducing to 2% until 01/05/30 Other fees £ 0 Exit fee £99 Valuation fee £214 Basic legals Payable 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.
Santander 4.68% initial rate £1,274.00 Monthly Repayments £999.00 Product Fees 6.09% APRC £15,434.44 Annual Cost Representative Example 6.09% 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 Charge 5% reducing to 1% until 02/06/30 Exit fee £225 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% until 02/06/30 Other fees £ 0 Exit fee £225 Valuation fee £0 Basic legals Payable Cashback £ 250
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 6.75% for the remaining 20 years would require 60 payments of £1,274 and 240 payments of £1,508. The total amount payable would be £439,109 made up of the loan amount plus interest (£213,360) and fees (£749). The overall cost for comparison is 6.1% APRC representative.
HSBC 4.69% initial rate £1,275.00 Monthly Repayments £999.00 Product Fees 6.24% APRC £15,429.92 Annual Cost Representative Example 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 Charge 5% reducing to 1% until 31/05/30 Exit fee £0 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% p/a Arrangement fee £999 Early Repayment Charge 5% reducing to 1% until 31/05/30 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable 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 6.74% for the remaining 20 years would require 60 payments of £1,275 and 240 payments of £1,507. The total amount payable would be £438,829 made up of the loan amount plus interest (£213,180) and fees (£649). The overall cost for comparison is 6.2% APRC representative.
