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A mortgage of £315,000 payable over 25 years, initially on a variable rate of 0.79% until 31st December 2023, this is then followed by a lenders variable rate of 4.34% for the remaining term of the mortgage. This would require 26 payments of £1,157.44, then followed by 274 payments of £1,670.34. The total amount payable would be £ 490,310.60 this amount is made up of the loan amount plus interest. The overall cost comparison is 3.8% APR representative. This is based on the £1499 product fee being paid upfront. This scheme comes with £250 cashback and a free valuation.

A mortgage of £315,000 payable over 25 years, initially on a variable rate of 1.29% until 31st December 2023, this is then followed by a variable rate which is 0.50% below the lenders variable which is currently 4.49%, giving a current rate of 3.99% until 31st December 2026. This is then followed by the lenders variable term of 4.49% for the remaining term of the mortgage. This would require 26 payments of £1,228.96, this is then followed by 36 payments of £1,622.93 and then finally 238 payments of £1,693.88. The total amount payable would be £495,766.31 this amount is made up of the loan amount plus interest. The overall cost comparison is 3.9% APR representative. This is based on the £999 product fee being paid upfront. This scheme comes with a free valuation.

A mortgage of £315,000 payable over 25 years, initially on a variable rate of 1.27% until 31st December 2023, this is then followed by a variable rate which is 1.00% below the lenders variable which is currently 5.59%, giving a current rate of 4.59% until 31st December 2026. This is then followed by the lenders variable term of 5.59% for the remaining term of the mortgage. This would require 26 payments of £333.37, then 36 payments of £1,204.88 and then finally 238 payments of £1,467.37. The total amount payable £718,625.36 this amount is made up of the loan amount plus interest. 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. The overall cost for comparison is 5.0% APR representative. This is based on £999 lender’s product fee being paid upfront.

A mortgage of £315,000 payable over 25 years, initially on a variable rate of 1.11% until 30th November 2023, this is then followed by a lenders variable rate of 3.59% for the remaining term of the mortgage. This would require 25 payments of £1,202.90, then followed by 275 payments of £1,559.10. The total amount payable would be £459,850.00 this amount is made up of the loan amount plus interest. The overall cost comparison is 3.2% APR representative. This scheme comes with a free valuation.

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 5.14% with a discount of 3.85% giving a current rate of 1.29% for 24 months. This is then followed by the lenders standard variable rate of 5.14% for remaining term of the mortgage. This would require 24 payments of £1,228.96 followed by then 276 payments of £1,814.24. The total amount payable would £532,989.28 made up of the loan amount plus interest. The overall cost for comparison is 4.6% APR representative. This is based on a

A mortgage of £315,000 payable over 25 years, initially on a variable rate of 0.75% above the Bank of England base rate which is currently 0.10%, giving a rate of 0.85 %for 24 months. Then followed by a variable rate, initially on of 3.49% above the Bank of England base rate which is currently 0.10%, giving a rate of 3.59% for the remaining term. This would require 24 payments of £1,165.88 will be then followed by 276 payments of £1,556.69. The total amount payable would be £459,862.56 made up of the loan amount plus interest. The overall cost for comparison is 3.2% APRC representative. This is based on a £999 application fee being paid upfront. This scheme comes with a free valuation.