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We work with the UK’s leading contractor mortgage lenders to bring contractors more choice and better value.

Provider
Product Type
Initial Rate
Rate Ends
Cost for Comparison
Redemption Period
Calculate Monthly Payments
Provider:
Product Type:
First Time Buyer
Initial Rate:
1.19%
Rate Ends:
31/03/2022
Cost for Comparison:
3.8% APR
Redemption Period:
31/03/2022
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years, A fixed rate of 1.19% until 31-Mar-2022 followed by NatWest's Standard Variable Rate, currently 4.24%, for the remaining term of the mortgage. This would require 25 payments of 31,218.27 followed by 275 payments of £1,667.94. The overall cost for comparison is 3.8% APRC representative. The total amount payable would be £489,465.25. With £995 lender’s product fee being added to the loan, you will pay additional interest on this amount, scheme comes with a free valuation.
Provider:
Product Type:
Offset
Initial Rate:
1.49%
Rate Ends:
31/03/2022
Cost for Comparison:
4.3% APR
Redemption Period:
31/03/2022
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years, A fixed rate of 1.49% until 31-Mar-2022 followed by the lenders Standard Variable Rate, currently 4.99%, until 31-Mar-2025 followed by Privilege Rate is a variable rate which is currently 4.74%, with a discount of 0.00%, giving a current rate payable of 4.74% for the remaining term of the mortgage. This would require 25 payments of £1,262.31 followed by 36 payments of £1,795.93 and then 239 payments of £1,758.67. The total amount payable would be £517,478.79. The overall cost for comparison is 4.3% APRC representative. With £999.00 lender’s product fee being added to the loan, you will pay additional interest on this amount, the scheme comes with a free valuation.
Provider:
Product Type:
Buy to Let
Initial Rate:
1.49%
Rate Ends:
31/03/2022
Cost for Comparison:
4.5% APR
Redemption Period:
31/03/2022
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years, initially on a fixed rate for 2 years at a rate of 1.49% with monthly payments of £391.13 followed by a variable rate of 4.74% for the remaining 23 years with a monthly payment of £1,244.25. The total amount payable would be £670,512.00 made up of the loan amount plus interest. The overall cost of comparison is 4.5% APRC representative. This is based on an interest-only mortgage where the monthly payments do not reduce the loan amount outstanding and a £1,995 completion fee being paid upfront. The total amount to be repaid assumes that you pay off the amount borrowed as a lump sum at the end of the mortgage term.
Provider:
Product Type:
Next Time Buyer
Initial Rate:
1.23%
Rate Ends:
31/03/2022
Cost for Comparison:
3.8% APR
Redemption Period:
31/03/2022
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years at a fixed rate for a 2-year period at 1.23% paying £1,224.09 monthly followed by a standard variable rate of 4.24% for the remaining 23 years paying £1,666.91 monthly. The total amount payable would be £490,288 made up of the loan and interest. The overall cost for comparison is 3.8% APRC representative. This is a capital repayment mortgage subject to a variable interest rate and based on a £995 product fee being paid upfront
Provider:
Product Type:
Discount
Initial Rate:
1.29%
Rate Ends:
2 Years
Cost for Comparison:
5.2% APR
Redemption Period:
2 Years
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 5.79% with a discount of 4.50% for 2 years, giving a current rate of 1.29% (which will not go below a floor of 1.29%). This is followed by a variable rate of 5.79% for the remaining 23 years and would require 24 payments of £1,229.03 followed by 276 payments of £1,925.63. The total amount payable would be £563,714.60 made up of the loan amount plus interest. The overall cost for comparison is 5.2% APRC representative. This is based on the £999 lender’s completion fee being paid upfront.
Provider:
Product Type:
Tracker
Initial Rate:
BR + 0.40%
Rate Ends:
31/03/2022
Cost for Comparison:
3.8% APR
Redemption Period:
31/03/2022
Calculate Monthly Payments:
Calculate
A mortgage of £315,000 payable over 25 years, initially on the Bank of England base rate currently 0.75%+ 0.40% tracker rate until 31/03/2022 at 1.15% currently and then on a variable rate of 4.24% for the remaining 23 years would require 25 payments of £1,208.66 followed by 275 payments of £,1662.06. The total amount payable would be £489,638.27 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.

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