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Product Type Initial Rate Rate Ends Cost for Comparison Redemption Period Calculate Monthly Payments
First Time Buyer Fixed 1.39 31/08/2020 4.9% APR 31/08/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/08/2020 and then on a variable rate of 5.69% with a discount of 1% giving a current rate payable of 4.69% until 31/08/2023 and then on a variable rate of 5.69% for the remaining of the mortgage term would require 24 payments of £1,192.40 followed by 36 payments of £1,669.11 followed by 240 payments of £1,813.74 The total amount payable would be £525,317.16 made up of the loan amount plus interest. The overall cost for comparison is 4.9% APRC representative. With £1999 lender’s product fee being paid upfront and a free valuation.

Offset Base Rate + 1.04 24 months 3.7% APR 24 months Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a Barclays base rate currently 0.50%+ 1.04% tracker rate for 2 years at 1.34% currently and then on a variable rate which is 3.49% above Barclay’s Base Rate, currently 0.50%, giving a rate of 3.99% for the remaining 23 years would require 24 payments of £1,205.46 followed by 276 payments of £1,551.87. The total amount payable would be £460,232.16 made up of the loan amount plus interest. The overall cost for comparison is 3.7% APRC representative. This is based on the £1,749 lender’s application fee being paid upfront and a free valuation.

Buy to Let Fixed 1.37 01/10/2020 4.7% APR 01/10/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.37% until 01/10/2020 and then on a variable rate of 4.99% for the remaining 23 years would require 25 payments of £361.90 and 275 payments of £1,318.17. The total amount payable would be £690,095.25. The overall cost for comparison is 4.7% APRC representative. With £500 Cashback This is based on the £1,995 lender’s arrangement 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 31/08/2020 4.9% APR 31/08/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.39% until 31/08/2020 and then on a variable rate of 5.69% for the remaining 23 years would require 25 payments of £1,251.61 followed by 275 payments of £1,752.01. The total amount payable would be £551,341.80 made up of the loan amount plus interest. The overall cost for comparison is 4.9% APRC representative. With £1,999.00 lender’s arrangement fee being paid upfront.

Discount 1.09 30/09/2020 4.4% APR 30/09/2020 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially a variable rate, currently 4.99%, with a discount of 3.90% giving a current rate payable of 1.09% until 30/09/2020. This would be followed by a variable rate of 4.99% for the remaining 23 years and would require 25 payments of £1,200.14 followed by 275 payments of £1,783.75. The total amount payable would be £ 523,681.75 made up of the loan amount plus interest. The overall cost for comparison is 4.4% APRC representative. This is based on the £1,495 lender’s arrangement fee being paid upfront.

Tracker Base Rate + 0.69 24 months 3.6% APR 24 months Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a variable rate which is 0.69% above the Bank of England base rate, currently 0.50%, giving a current rate payable of 1.19% for a period of 24 months then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £1,214.44 followed by 276 payments of £1,624.39. The total amount payable would be £479,731.95 made up of the loan amount plus interest. The overall cost for comparison is 3.6% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.