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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.39 30/11/2020 4.8% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is 1.39% until 30/11/2020. This would be followed by a discounted variable rate of currently 5.69% with a discount of 1.00% giving a current rate payable of 4.96% until 30/11/2023 and then followed by a variable rate of 5.69% for the remaining term of the mortgage. During the discount period you would require 25 payments of £1,251.61 followed by 36 payments of £1,750.15 and then 239 payments of £1,901.27. The total amount payable would be £550,013.18 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £1,999.00 lender’s arrangement fee being added to the loan, you will pay additional interest on this amount.

Offset 1.64 30/11/2020 3.9% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is 1.64% until 30/11/2020. This would be followed by a variable rate of 4.24% for the remaining 23 years. During the discount period you would require 25 payments of £1,286.82 followed by 275 payments of £1,677.69. The total amount payable would be £495,420.25 made up of the loan amount plus interest. The overall cost for comparison is 3.9% APRC representative. With £1,499.00 lender’s arrangement fee being added to the loan, you will pay additional interest on this amount.

Buy to Let Fixed 1.44 30/11/2020 5.4% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.44% until 30/11/2020 and then on a variable rate of 5.99% at a discount of 1.00% giving a current rate payable of 4.99% and then a variable rate of 5.99% for the remaining term of the mortgage would require 25 payments of £378.00 and then 36 payments of £1,309.87 and 239 payments of £1,572.38. The total amount payable would be £751,252.14. The overall cost for comparison is 5.4% APRC representative. This is based on the £2,499 lender’s product 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 30/11/2020 4.8% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315.000 payable over 25 years, initially on a fixed rate of 1.39% until 30/11/2020 and then on a variable rate currently 5.69% with a discount of 1.00% giving a rate payable of 4.69% and then a variable rate of 5.69% for the remaining term of the mortgage would require 25 payments of £1,243.58 followed by 36 payments of £1,738.92 and 239 payments of £1,889.08. The total amount payable would be £548,528.74 made up of the loan amount plus interest. The overall cost for comparison is 4.8% APRC representative. With £1,999 lender’s product fee being paid upfront.

Discount 1.29 30/11/2020 4.3% APR 30/11/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a variable rate of 0.57% over the Bank of England Base rate currently 0.75% giving a current rate payable of 1.32% until 31/10/2020 with repayments of 1233.33 and then on a variable rate currently 5.69% with a discount of 1.00% giving a current rate payable of 4.69% until 31/10/2023 with repayments of 1749.69 and then a variable rate of 5.69% for the remaining term of the mortgage with repayments of £1890.42. The total amount payable would be £548,277.20 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 product fee being paid upfront.

Tracker Base Rate + 0.57 31/10/2020 4.8% APR 31/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discounted rate of 3.75% from the Lenders standard variable rate of 4.99% for 2 years giving an introductory rate payable of 1.29% until 30/11/2020 and then onto a variable rate of which is 0.74% below the lenders standard variable rate currently 4.99% giving a current rate payable of 4.25% until 30/11/2023 followed by a variable rate of 4.99% for the remaining mortgage term would require 25 payments of £1,229.07 followed by 36 payments at £ 1,666.01 followed by 239 payments of £1,773.70 The total amount payable would be £517,764.41 made up of the loan amount plus interest. The overall cost for comparison is 4.3% APRC representative. With £1,495 lender’s completion fee being paid upfront.