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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.59 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 currently 1.59% for 24 months. This would be followed by a variable rate of 4.24% for the remaining 276 months and would require 24 payments of £1,273.16 followed by 276 payments of £1,670.29. The total amount payable would be £493,809.63 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. This is based on the £999 lender’s product fee being paid upfront.

Offset 1.69 31/03/2021 4.4% APR 31/03/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.69% until 31/03/2021. This would be followed by a variable rate of 4.99% until 31/03/2024 and then a variable rate of 4.74% for the remaining term of the mortgage and would require 24 payments of £1,288.11 followed by 36 payments of £1,795.36 and then 240 payments of £1,757.99. The total amount payable would be £519,709.63 made up of the loan amount plus interest. The overall cost for comparison is 4.4% APRC representative. This is based on the £999 lender’s product fee being paid upfront.

Buy to Let Fixed 1.49 31/03/2021 4.3% APR 31/03/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.49% until 31/03/2021. This would be followed by a variable rate of 4.74% for the remaining 23 years and would require 24 payments of £ 1,266.37 followed by 276 payments of £1,761.77. The total amount payable would be £517,991.40 made up of the loan amount plus interest. The overall cost for comparison is 4.3% APRC representative. This is based on the £1,995 lender’s completion fee being added to the mortgage.

Fixed 1.49 30/06/2021 3.8% APR 30/06/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.49% until 30/06/2021. This would be followed by a variable rate of 4.24% for the remaining 23 years and would require 27 payments of £ 1,262.31 followed by 273 payments of £ 1,669.62. The total amount payable would be £490,944.90 made up of the loan amount plus interest. The overall cost for comparison is 3.8% APRC representative. This is based on the £999 lender’s product fee being added to the mortgage.

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 variable rate which is currently 5.00% with a discount of 3.71% for 24 months, giving a current rate payable of 1.29%. This would be followed by a variable rate of 5% for the remaining 276 months and would require 24 payments of £1,228.96 followed by 276 payments of £1,790.72. The total amount payable would be £525,041.26 made up of the loan amount plus interest. The overall cost for comparison is 4.5% APRC representative. There is no lender’s product fee with this product.

Tracker Base Rate + 0.59 30/06/2021 3.8% APR 30/06/2021 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a tracker rate which is currently 0.59% above the Bank of England base rate currently 0.75%, giving a current rate payable of 1.34% until 30/06/2021. This would be followed by a variable rate of 4.24% for the remaining term of the mortgage and would require 27 payments of £1,236.26 followed by 273 payments of £1,661.85. The total amount payable would be £489,419.34, made up of the loan amount plus interest. The overall cost for comparison is 3.8% APRC representative. This is based on the £999 lender’s product fee being paid upfront.