Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.34 2 years 3.43% APR 2 years

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a fixed rate of 1.34% for 2 years and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1,220.56 followed by 276 payments of £1,566.94 The total amount payable would be £463,792.63 made up of the loan amount plus interest. The overall cost for comparison is 3.43% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront and £500 cashback.

Offset Fixed 1.57 30/04/2019 4.81% APR 30/04/2019

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a fixed rate of 1.57% for 2 years and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £1,254.06 followed by 276 payments of £ 1,829.18. The total amount payable would be £ 537,048.62 made up of the loan amount plus interest. The overall cost for comparison is 4.81% APRC representative. With free valuation and based on the £995 lender’s arrangement fee being paid upfront

Buy to Let Fixed 1.99 01/05/2019 4.54% APR 01/05/2019

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a fixed rate of 1.99% until 01/05/2019 and then on a variable rate of 4.74% for the remaining 23 years would require 25 payments of £ £515.74 and 275 payments of £1,228.45. The total amount payable would be £665,082.29 made up of the loan amount plus interest. The overall cost for comparison is 4.54% APRC representative. With £500 Cashback. This is based on the £1,995 lender’s arrangement fee being paid upfront. This is based on an interest-only mortgage where the monthly payments do not reduce the loan amount outstanding. The total amount to be repaid assumes that you pay off the amount borrowed as a lump sum at the end of the mortgage.

Fixed 1.34 2 years 3.43% APR 2 years

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a fixed rate of 1.34% for 2 years and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1,220.56 followed by 276 payments of £1,566.94. The total amount payable would be £463,792.63 made up of the loan amount plus interest. The overall cost for comparison is 3.43% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.

Discount 1.55 5 years 3.99% APR 5 years

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a discount rate which is currently 5.44% with a discount of 3.89% for 5 years, giving a current rate of 1.55%. This would be followed by a variable rate of 5.44% for the remaining 20 years and would require 60 payments of £ 1,251.12 followed by 240 payments of £1,766.32. The total amount payable would be £ 500,732.00 made up of the loan amount plus interest. The overall cost for comparison is 3.99% APRC representative. With free valuation and based on the £499 lender’s arrangement fee and £35 funds transfer fee being paid upfront.

Tracker Base Rate + 1.09 2 Years 3.43% APR 2 Years

Representative Example

A mortgage of £311,000 payable over 25 years, initially on a Bank of England base rate currently 0.25%+ 1.09% tracker rate for 2 years at 1.34% currently (which will not go below a floor of 1.09%) and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1,220.56 followed by 276 payments of £1,566.94. The total amount payable would be £463,792.63 made up of the loan amount plus interest. The overall cost for comparison is 3.43% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.