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 1.34 2 years 3.62% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.34% for 2 years and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £1,236.26 followed by 276 payments of £1,626.58. The total amount payable would be £479,735.07 made up of the loan amount plus interest. The overall cost for comparison is 3.62% APRC representative. With £999 lender’s arrangement fee being paid upfront.

Offset Fixed 1.64 31/12/2019 4.80% APR 31/12/2019 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a fixed rate of 1.64% until 31/12/2019 and then on a variable rate of 5.34% for the remaining 23 years would require 24 payments of £1,280.63 followed by 276 payments of £1,853.83. The total amount payable would be £543,594.70 made up of the loan amount plus interest. The overall cost for comparison is 4.80% APRC representative. This is based on the £995 lender’s arrangement fee being paid upfront.

Buy To Let Tracker Base Rate + 1.14 30/11/2019 4.26% APR 30/11/2019 Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a tracker rate of Bank of England Base Rate currently 0.25% plus 1.14% until 30/11/2019, giving a current rate payable of 1.39% and then on a variable rate of 4.49% for the remaining 23 years would require 23 payments of £367.19 and 277 payments of £1,186.09. The total amount payable would be £655,557.09. The overall cost for comparison is 4.26% APRC representative. This is based on the £1,995 lender’s arrangement fee being added to the loan. 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.

Variable 0.99 2 years 4.65% APR 2 years Calculate

Representative Example

A mortgage of £315,000 payable over 25 years, initially on a variable rate, currently 5.29% with a discount of 4.30% for 2 years, giving a payable rate of 0.99% (which will not go below a floor of 0.99%) and then on a variable rate of 5.29% for the remaining 23 years would require 24 payments of £1185.72 followed by 276 payments of £1834.61. The total amount payable would be £537,418.64 made up of the loan amount plus interest. The overall cost for comparison is 4.65% APRC representative. With £500.00 Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.

Discount 1.24 2 years 4.70% APR 2 years Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a discount rate which is currently 5.29% with a discount of 4.05% for 2 years, giving a current rate of 1.24% (which will not go below a floor of 1.24%). This would be followed by a variable rate of 5.29% for the remaining 23 years and would require 24 payments of £1163.51 followed by 276 payments of £1751.23. The total amount payable would be £513,782.72 made up of the loan amount plus interest. The overall cost for comparison is 4.70% APRC representative. This is based on the £999 lender’s arrangement fee being paid upfront.

Tracker Base Rate + 0.79 2 years 3.61% APR 2 years Calculate

Representative Example

A mortgage of £300,000 payable over 25 years, initially on a variable tracker rate which is Bank of England base rate currently 0.50% + 0.79% for 2 years at 1.29% currently (which will not go below a floor of 0.79%) and then on a variable rate of 3.99% for the remaining 23 years would require 24 payments of £1,170.44 followed by 276 payments of £1,548.44. The total amount payable would be £457,483.75 made up of the loan amount plus interest. The overall cost for comparison is 3.61% APRC representative. With Free Valuation for Purchases and based on the £999 lender’s arrangement fee being paid upfront.