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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.54 24 months 3.9% APR 24 months Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is 1.54% for 24 months. This would be followed by a variable rate of 4.24% for the remaining 23 years. During the discount period this would require 24 payments of £1,265.73 followed by 276 payments of £1,669.56. The total amount payable would be £493.,429.83 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £999.00 lender’s arrangement fee being payable up front.

Offset 1.79 31/12/2020 4.4% APR 31/12/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is 1.79% until 31/12/2020. This would be followed by a variable rate of 4.99% until 31/12/2023 and then followed by a variable rate currently 4.99% with a discount of 0.25%, giving a current rate payable of 4.74% for the remaining 20 years. During the first discount period you would require 24 payments of £1,303.17 followed by 36 payments of £1,796.90 and finally 240 payments of £1,759.50. The total amount payable would be £520,488.91 made up of the loan amount plus interest. The overall cost for comparison is 4.4% APRC representative. With £999.00 lender’s arrangement fee being payable up front.

Buy to Let Fixed 1.69 31/03/2021 4.8% APR 31/03/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.69% until 31/03/2021 and then on a variable rate of 4.34% above the Bank of England base rate currently 0.75%, giving a current rate payable of 5.09% for the remaining 23 years would require 27 payments of £443.62 and then 275 payments of £1,336.13. The total amount payable would be £694,331.23. The overall cost for comparison is 4.8% APRC representative. 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 1.39 31/10/2021 4.8% APR 31/10/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/01/2021 and then on a variable rate of 5.69% with a discount of 1.00%, giving a current rate payable of 4.69% until 31/01/2024 followed by a variable rate of 5.69% for the remaining term of the mortgage and would require 25 payments of £1,243.72 followed by 36 payments of £1,739.12 then 239 payments of £1,889.29. The total amount payable would be £547,559.63 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £1,999 lender’s arrangement fee being paid upfront.

Discount 1.29 24 months 4.5% APR 24 months Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 5.00% with a discount of 3.71% for 24 months, giving a current rate payable of 01.29%. This would be followed by a variable rate of 5.00% for the remaining 23 years and would require 24 payments of £1,228.96 followed by 276 payments of £1,790.72. The total amount payable would be £522,041.26 made up of the loan amount plus interest. The overall cost for comparison is 4.5% APRC representative.

Tracker Base Rate + 0.57 31/01/2021 4.8% APR 31/01/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a Bank of England base rate currently 0.75% + 0.57% tracker rate for 2 years giving a rate payable of 1.32% currently and then on a variable rate of 5.69% with a discount of 1.00% giving a current rate payable of 4.69% for 3 years, and then a variable rate of 5.69% currently for the remaining 20 years. This would require 25 payments of £1,233.33 followed by 36 payments of £1,737.79 and finally 239 payments of £1,887.85. The total amount payable would be £546,937.84 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £999 lender’s arrangement fee being payable up front.