We work with the UK’s leading specialist mortgage lenders to bring independent professionals more choice and better value. The table below is updated regularly to show our latest market-leading rates.

For a detailed quote that’s tailored to your independent professional circumstances, call one of our specialist advisers on 01489 555 080. 

Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.29 2 years 3.61% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.29% for 2years from completion. This would be followed by a variable rate of 3.99% for the remaining 23 years and would require 24 payments of £1,232.85 followed by 276 payments of £1,631.01 The total amount payable would be £479,876.91 made up of the loan amount plus interest. The overall cost for comparison is 3.61% APRC representative. This is based on the £999 lender’s arrangement fee being added to the loan amount.

Offset 1.67 31/05/2020 4.44% APR 31/05/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.67% until 31/05/2020. This would be followed by a variable rate of 4.99% for the remaining 23 years and 3 months and would require 27 payments of £1,289.17 followed by 273 payments of £1,795.12. The total amount payable would be £525,082.85 made up of the loan amount plus interest. The overall cost for comparison is 4.44% APRC representative. This is based on the £995 lender’s arrangement fee being added to the loan and free valuation.

Buy to Let Variable 1.34 30/04/2020 4.64% APR 30/04/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate which is currently 1.34% until 30/04/2020. This would be followed by a variable rate of 5.00% for the remaining 23 years and would require 26 payments of £351.75 followed by 274 payments of £1,312.50. The total amount payable would be £687,092.50. The overall cost for comparison is 4.64% APRC representative. This is based on the £1,999.00 lender’s arrangement fee and £354.00 valuation fee being paid upfront. This is 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.

Variable 1.24 2 years 4.91% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discounted rate which is a variable rate currently 5.54%, with a discount of 4.30% for 2 years, giving a current rate payable of 1.24% which will not go below a floor of 0,99%. This would be followed by a variable rate of 5.54% for the remaining 23 years and would require 24 payments of £1,221.68 followed by 276 payments of £1,881.47. The total amount payable would be £551,215.04 made up of the loan amount plus interest. The overall cost for comparison is 4.91% APRC representative. This is based on the £999 lender’s arrangement fee and £500 valuation fee being paid upfront.

Discount 1.29 2 years 3.97% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a discount rate which is currently 4.39% with a discount of 3.10% for 24 months, giving a current rate of 1.29% which will not go below a floor of 1.29%. This would be followed by a variable rate of 4.39% which will not go below a floor of 1.29% for the remaining 23 years and would require 24 payments of £1,228.96 followed by 276 payments of £1,690.13. The total amount payable would be £498,013.42 made up of the loan amount plus interest. The overall cost for comparison is 3.97% APRC representative. There is no lender’s product fee with this product and the valuation fee of £735 is payable up front.

Tracker Base Rate + 0.79 2 years 3.63% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a tracker rate which is currently 0.79% above the Bank of England Base Rate currently 0.50%, for 24 months, giving a current rate of 1.29% which will not go below a floor of 0.79%. This would be followed by a variable rate of 3.99% for the remaining 23 years and would require 24 payments of £1,228.96 followed by 276 payments of £1,625.86. The total amount payable would be £480,256.15, made up of the loan amount plus interest. The overall cost for comparison is 3.63% APRC representative. This is based on the £999 lender’s arrangement fee being paid upfront and the valuation fee is free.