Natwest 4.70% initial rate £1,276.00 Monthly Repayments £995.00 Product Fees 6.74% APRC £15,514.60 Annual Cost Representative Example 6.74% 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 4.70% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £1,276 and 240 payments of £1,627. The total amount payable would be £468,035 made up of the loan amount plus interest (£242,040) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Virgin Money 4.73% initial rate £1,280.00 Monthly Repayments £1,209.00 Product Fees 6.76% APRC £15,543.96 Annual Cost Representative Example 6.76% 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 01/04/30 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 01/04/30 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 4.73% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £1,280 and 240 payments of £1,628. The total amount payable would be £468,429 made up of the loan amount plus interest (£242,520) and fees (£909). The overall cost for comparison is 6.8% APRC representative.
First Direct 4.74% initial rate £1,281.00 Monthly Repayments £490.00 Product Fees 6.25% APRC £15,475.64 Annual Cost Representative Example 6.25% 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 4.74% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,538. The total amount payable would be £446,470 made up of the loan amount plus interest (£220,980) and fees (£490). The overall cost for comparison is 6.3% APRC representative.
Nationwide 4.74% initial rate £1,281.00 Monthly Repayments £999.00 Product Fees 6.6% APRC £15,577.44 Annual Cost Representative Example 6.6% 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 £65 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 £65 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 4.74% and then on a variable rate of 7.49% for the remaining 20 years would require 60 payments of £1,281 and 240 payments of £1,598. The total amount payable would be £461,379 made up of the loan amount plus interest (£235,380) and fees (£999). The overall cost for comparison is 6.6% APRC representative.
HSBC 4.79% initial rate £1,288.00 Monthly Repayments £999.00 Product Fees 6.28% APRC £15,585.20 Annual Cost Representative Example 6.28% 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 28/02/30 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 28/02/30 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 4.79% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £1,288 and 240 payments of £1,539. The total amount payable would be £447,289 made up of the loan amount plus interest (£221,640) and fees (£649). The overall cost for comparison is 6.3% APRC representative.
Allied Irish Bank 4.79% initial rate £1,288.00 Monthly Repayments £200.00 Product Fees 6.49% APRC £15,495.40 Annual Cost Representative Example 6.49% 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 Charge 6 months interest until 28/02/30 Exit fee £55 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? Arrangement fee £0 Early Repayment Charge 6 months interest until 28/02/30 Other fees £ 0 Exit fee £55 Valuation fee £200 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 4.79% and then on a variable rate of 7.35% for the remaining 20 years would require 60 payments of £1,288 and 240 payments of £1,582. The total amount payable would be £457,160 made up of the loan amount plus interest (£231,960) and fees (£200). The overall cost for comparison is 6.5% APRC representative.
TSB 4.84% initial rate £1,294.00 Monthly Repayments £995.00 Product Fees 6.46% APRC £15,632.28 Annual Cost Representative Example 6.46% APRC Max LTV 90% Fees and Charges Booking fee £0 Arrangement fee £995 Other fees £0 Valuation fee £0 Cashback £ 500
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 1% until 31/03/30 Exit fee £0 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 1% until 31/03/30 Other fees £ 0 Exit fee £0 Valuation fee £0 Basic legals Payable Cashback £ 500
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.84% and then on a variable rate of 7.24% for the remaining 20 years would require 60 payments of £1,294 and 240 payments of £1,570. The total amount payable would be £454,935 made up of the loan amount plus interest (£229,440) and fees (£495). The overall cost for comparison is 6.5% APRC representative.
Co-Op 4.85% initial rate £1,296.00 Monthly Repayments £999.00 Product Fees 6.72% APRC £15,698.68 Annual Cost Representative Example 6.72% 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% pa Early Repayment Charge 5% reducing to 1% until 30/06/30 Exit fee £100 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £0 Overpayments allowed? 10% pa Arrangement fee £999 Early Repayment Charge 5% reducing to 1% until 30/06/30 Other fees £ 0 Exit fee £100 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 4.85% and then on a variable rate of 7.62% for the remaining 20 years would require 60 payments of £1,296 and 240 payments of £1,616. The total amount payable would be £466,349 made up of the loan amount plus interest (£240,600) and fees (£749). The overall cost for comparison is 6.7% APRC representative.
Cumberland 4.88% initial rate £1,300.00 Monthly Repayments £999.00 Product Fees 6.88% APRC £15,795.48 Annual Cost Representative Example 6.88% 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 01/04/30 Exit fee £125 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 01/04/30 Other fees £ 0 Exit fee £125 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 4.88% and then on a variable rate of 7.84% for the remaining 20 years would require 60 payments of £1,300 and 240 payments of £1,644. The total amount payable would be £473,559 made up of the loan amount plus interest (£247,560) and fees (£999). The overall cost for comparison is 6.9% APRC representative.
Melton Mowbray 4.89% initial rate £1,301.00 Monthly Repayments £199.00 Product Fees 7.44% APRC £15,551.20 Annual Cost Representative Example 7.44% APRC Max LTV 90% Fees and Charges Booking fee £199 Arrangement fee £0 Other fees £0 Valuation fee £0 Cashback £ 500
Flexibility & Other info Overpayments allowed? 10% p/a Early Repayment Charge 5% reducing to 1% until 31/03/30 Exit fee £50 Basic legals Payable
Fees and Charges Flexibility & Other info Booking fee £199 Overpayments allowed? 10% p/a Arrangement fee £0 Early Repayment Charge 5% reducing to 1% until 31/03/30 Other fees £ 0 Exit fee £50 Valuation fee £0 Basic legals Payable Cashback £ 500
Representative example A mortgage of £225,000 payable over 25 years, initially on a fixed rate for 5 years at 4.89% and then on a variable rate of 8.44% for the remaining 20 years would require 60 payments of £1,301 and 240 payments of £1,719. The total amount payable would be £490,319 made up of the loan amount plus interest (£265,620) and fees (-£301). The overall cost for comparison is 7.4% APRC representative.
