Find your best contractor mortgage.

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.85% until 31/08/2024 and then on a variable rate of 4.64% with a discount of 0.65%, giving a current rate payable of 3.99% until 31/08/2027 and then on a variable rate of 4.64% for the remaining 20 years, would require 28 payments of £1,312.26, followed by 36 payments of £1,629.30, followed by 236 monthly payments of £1,721.54. The total amount payable would be £502,930.95 made up of the loan amount plus interest. The overall cost for comparison is 4.00% APRC representative. With £999 lender’s arrangement fee being paid upfront.

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 2.25% until 31/08/2024 and then on a variable rate, currently 4.64%, with a discount of 0.65%, giving a current rate payable of 3.99% for the next 28 months, followed by 4.64% for the remaining 236 months. Would require 28 payments of £1,373.81, followed by 36 payments of £1,635.67, followed by 236 payments of £1,728.28. The total amount payable would be £506,474.31 made up of the loan amount plus interest. The overall cost for comparison is 4.1% APRC representative. This is based on the £999 lender’s arrangement fee being paid upfront.

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.69% until 31/05/2024. This would be followed by a variable rate of 4.74% for the remaining 23 years and would require 25 payments of £ £446.46 followed by 275 payments of £1,252.21. The total amount payable would be £ 674,084.25. The overall cost for comparison is 4.5% APRC representative. This is based on the £1,995.00 lender’s arrangement fee being added to the mortgage. 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

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.85% for 2yrs. This would be followed by a variable rate, currently 4.64% with a discount of 0.65%, giving a current rate payable of 3.99% for 3 years, then a variable rate of 4.64% for the remaining term of the mortgage and would require 28 payments of £ 1,316.42, followed by 36 payments of £ 1,634.46 and then 236 payments of £1,727.00. The total amount payable would be £504,517.75 made up of the loan amount plus interest. The overall cost for comparison is 4.1% APRC representative. This is based on the £ £999 lender’s arrangement fee being added to the mortgage.

A mortgage of £315,000 payable over 25 years, initially on a discount of the lenders Standard Variable Rate, currently 5.54% with a discount of 4.75% for a period of 24 months, giving a current rate of 0.79%. This would be followed by the lender’s standard variable rate which is currently 5.54% for the remaining term. This would require 24 payments of £1,157.52, followed by 276 payments of £1,873.83. The total amount payable would be £547,201.56 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. This is based on the £999 lender’s completion fee being paid upfront and a free basic valuation.

A mortgage of £315,000 payable over 25 years, initially on a variable rate which is the Bank of England base rate currently 0.75% + 0.79% tracker rate, giving a rate payable for 2 years at 1.50% currently and then a variable rate which is 0.65% below the lenders standard variable rate (SVR) currently 4.64%, giving a current rate payable of 3.99% for 3 years, followed by a variable rate, currently 4.64% for the remaining term of the mortgage. This would require 28 payments of £1,259.80 followed by 36 payments of £1,623.54 and then 236 payments of £1,715.46. The total amount payable would be £500,814.83 made up of the loan amount plus interest. The overall cost for comparison is 4.0% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.