Below is a selection of some of the market leading mortgage rates currently available to contractors looking for a mortgage. Our table is updated regularly keeping you up to date with the most competitive deals across the UK market.

From first time buyers to experienced landlords, we can help you find the best deal for your individual circumstances. Contact us for more information and to get the mortgage process started.  

Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.09 30/06/2019 3.41% APR 30/06/2019 Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a fixed rate of 1.09% until 30/06/2019 and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1,142.88 followed by 276 payments of £1,508.11. The total amount payable would be £446,287.75 made up of the loan amount plus interest. The overall cost for comparison is 3.41% APRC representative. With £999 lender’s arrangement fee being paid upfront.

Offset Fixed 1.39 31/05/2019 3.50% APR 31/05/2019 Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/05/2019 and then on a variable rate of 3.74% for the remaining 23 years would require 23 payments of £1,184.37 followed by 277 payments of £1,513.38. The total amount payable would be £449,700.77 made up of the loan amount plus interest. The overall cost for comparison is 3.50% APRC representative. No lender’s arrangement fee.

Buy to Let Fixed 1.59 31/07/2019 4.72% APR 31/07/2019 Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a fixed rate 1.59% rate until 31/07/2019 and then on a discounted rate of SVR – 1.75% for 3 years, currently 3.59%, followed by a variable rate of 5.34% for the remaining 20 years would require 25 payments of £397.50 then 36 payments of £897.50 followed by 239 payments of £1,335.00. The total amount payable would be £665,010.00 made up of the loan amount plus interest. The overall cost for comparison is 4.72% APRC representative. This is based on the £1,995 lender’s arrangement fee being paid upfront and 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 1.14 30/06/2019 3.42% APR 30/06/2019 Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a fixed rate of 1.14% until 30/06/2019 and then on a variable rate of 3.74% for the remaining 23 years would require 24 payments of £1,149.73 followed by 276 payments of £1,508.80. The total amount payable would be £446,642.59 made up of the loan amount plus interest. The overall cost for comparison is 3.42% APRC representative. With £999 lender’s arrangement fee being paid upfront.

Discount 1.55 5 years 3.99% APR 5 years Calculate

Representative Example

A mortgage of £300,000 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 £1,206.87 followed by 240 payments of £1,703.84. The total amount payable would be £483,081.80 made up of the loan amount plus interest. The overall cost for comparison is 3.99% APRC representative. This is based on the £499 lender’s arrangement fee being paid upfront.

Tracker Base Rate + 0.93 2 years 3.43% APR 2 years Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on Barclays Bank base rate, currently 0.25%+ 0.93% tracker rate for 2 years at 1.18% currently (which will not go below a floor of 0.93%) and then on a variable rate of 0.25% + 3.49%, currently 3.74% (which will not go below a floor of 3.49%) for the remaining 23 years, would require 24 payments of £1,155.23 followed by 276 payments of £1,509.35. The total amount payable would be £447,211.12 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 £1,499 lender’s arrangement fee being paid upfront.