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Popular Fixed Rate Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
Post Office Direct 2 Year Fixed £1995 Fee
Fixed
1.43%
Fixed until 31/12/2016
4.49% (variable)
4.10%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 2 years
HSBC Direct 2 Year Fixed £1999 Fee Special
Fixed
1.49%
Fixed until 28/02/2017
3.94% (variable)
3.70%
60%
£1,999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1% of loan amount redeemed to be paid within 2 years
TSB Direct 2 Year Fixed £1995 Fee Purchase
Fixed
1.59%
Fixed until 28/02/2017
3.99% (variable)
3.80%
60%
£1,995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 1.50% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Fixed £1995 Fee Remortgage
Fixed
1.69%
Fixed until 28/02/2017
3.99% (variable)
3.80%
60%
£1,995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 1.50% of loan amount redeemed to be paid for next 1 year
Halifax Direct 2 Year Fixed £1995 Fee Purchase C/a
Fixed
1.79%
Fixed until 28/02/2017
3.99% (variable)
3.90%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 1.50% of loan amount redeemed to be paid for next 1 year

Popular Tracker Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
TSB Direct 2 Year Tracker £1995 Fee Purchase
Tracker
1.34%
0.84% above Bank of England base rate
3.99% (variable)
3.80%
60%
£1,995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 1.50% of loan amount redeemed to be paid for next 1 year
RBS Direct 2 Year Tracker £995 Fee
Tracker
1.64%
1.14% above Bank of England base rate
4% (variable)
3.80%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Direct 2 Year Tracker £995 Fee Purchase
Tracker
1.64%
1.14% above Bank of England base rate
4% (variable)
3.80%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
Nationwide Bs Intermediary Mi Scheme 5 Year Fixed No Fee
Fixed
5.04%
Fixed for 5 years
3.99% (variable)
4.70%
95%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 5%
Max Mortgage Amount £250,000
Shared Ownership NO
Overpayments? YES
App Fee - Can be added to loan provided normal lending limits are met
Early Repayment Charge 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Popular Remortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
NatWest Direct 2 Year Tracker £995 Fee Remortgage
Tracker
1.64%
1.14% above Bank of England base rate
4% (variable)
3.80%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Fixed £1995 Fee Remortgage
Fixed
1.69%
Fixed until 28/02/2017
3.99% (variable)
3.80%
60%
£1,995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 1.50% of loan amount redeemed to be paid for next 1 year
NatWest Direct 2 Year Fixed £995 Fee Remortgage
Fixed
1.84%
Fixed until 31/03/2017
4% (variable)
3.80%
60%
£995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £2,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
TSB Direct 2 Year Fixed £995 Fee Remortgage
Fixed
1.99%
Fixed until 28/02/2017
3.99% (variable)
3.80%
60%
£995
Call Direct0808 252 0479 Enquire
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £995 - Can be added to loan without conditions
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Popular Offset Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
RBS Direct Offsetterm Flexible £499 Fee
Tracker
4%
3.5% above Bank of England base rate
4% (variable)
3.80%
80%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 20%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £499 - Can be added to loan without conditions
Early Repayment Charge
NatWest Direct Offset Term Flexible £499 Fee
Tracker
4%
3.5% above Bank of England base rate
4% (variable)
3.80%
80%
£499
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 20%
Max Mortgage Amount £1,000,000
Shared Ownership NO
Overpayments? YES
App Fee £499 - Can be added to loan without conditions
Early Repayment Charge
Chelsea Bs Direct Offset 2 Year Fixed £1545 Fee
Fixed
1.64%
Fixed until 31/01/2017
5.65% (variable)
5.10%
65%
£1,545
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 35%
Max Mortgage Amount £5,000,000
Shared Ownership NO
Overpayments? YES
App Fee £1,545 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 2% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 1 year
Chelsea Bs Direct 2 Year Fixed £345 Fee Incentives
Fixed
1.94%
Fixed until 31/01/2017
5.65% (variable)
5.10%
65%
£345
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 35%
Max Mortgage Amount £5,000,000
Shared Ownership NO
Overpayments? YES
App Fee £345 - Can be added to loan provided normal lending limits are met
Early Repayment Charge 2% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 1 year

Popular First Time Buyer Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
Monmouthshire Bs Htb Wales 3 Year Discount £99 Fee
Tracker
2.75%
2.25% above Bank of England base rate
4.99% (variable)
4.50%
75%
£99
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 25%
Max Mortgage Amount £228,000
Shared Ownership NO
Overpayments? YES
App Fee £99 - Can be added to loan without conditions
Early Repayment Charge
Ipswich Bs Direct 2 Year Discount No Fee Existing Borrower
Tracker
2.89%
2.39% above Bank of England base rate
5.49% (variable)
5.10%
95%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit 5%
Max Mortgage Amount £350,000
Shared Ownership NO
Overpayments? YES
App Fee - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 2 years
Halifax Intermediary 4 Year Fixed £999 Fee Product Transfer Large Loan >£500k
Fixed
4.04%
Fixed until 31/01/2019
3.99% (variable)
4.10%
120%
£999
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only YES
Remortgage YES
First Time Buyers NO
Home Movers NO
Minimum Deposit -20%
Max Mortgage Amount £7,500,000
Shared Ownership NO
Overpayments? YES
App Fee £999 - Can be added to loan without conditions
Early Repayment Charge 4.00% of loan amount redeemed to be paid within 1 year; then 3.00% of loan amount redeemed to be paid for next 2 years; then 2.00% of loan amount redeemed to be paid for next 1 year
NatWest Newbuy 2 Year Fixed No Fee
Fixed
5.15%
Fixed until 31/03/2017
4% (variable)
4.40%
95%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 5%
Max Mortgage Amount £475,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year
Halifax Direct Htb 2 Year Fixed £495 Fee C/a
Fixed
5.39%
Fixed until 28/02/2017
3.99% (variable)
4.50%
95%
£495
[+] View More
Application Criteria Fees and Charges
Existing Customers Only YES
Existing Borrowers Only NO
Remortgage NO
First Time Buyers NO
Home Movers NO
Minimum Deposit 5%
Max Mortgage Amount £600,000
Shared Ownership NO
Overpayments? YES
App Fee £495 - Can be added to loan provided loan does not exceed limit set by loan to value ratio
Early Repayment Charge 3.00% of loan amount redeemed to be paid within 1 year; then 2.00% of loan amount redeemed to be paid for next 1 year

Popular Buy to Let Mortgages

Lender
Mortgage Name
Type
Initial Rate
Offer
Subsequent Rate
Cost for Comparison
Loan to Value
Fees
Get Quote
View Full Table >
RBS Direct Btl 2 Year Tracker £1995 Fee
Tracker
2.05%
1.55% above Bank of England base rate
4% (variable)
4%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker £1995 Fee Purchase
Tracker
2.05%
1.55% above Bank of England base rate
4.50% (variable)
4.50%
60%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 40%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
NatWest Btl 2 Year Tracker £1995 Fee Purchase
Tracker
2.55%
2.05% above Bank of England base rate
4.50% (variable)
4.50%
75%
£1,995
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage NO
First Time Buyers YES
Home Movers NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee £1,995 - Can be added to loan without conditions
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year
RBS Direct Btl 2 Year Tracker No Fee
Tracker
3.49%
2.99% above Bank of England base rate
4% (variable)
4.10%
75%
No Application Fee
[+] View More
Application Criteria Fees and Charges
Existing Customers Only NO
Existing Borrowers Only NO
Remortgage YES
First Time Buyers YES
Home Movers NO
Minimum Deposit 25%
Max Mortgage Amount £500,000
Shared Ownership NO
Overpayments? YES
App Fee - Cannot be added to loan
Early Repayment Charge 1.00% of loan amount redeemed to be paid within 1 year; then 0.50% of loan amount redeemed to be paid for next 1 year

Your home may be repossessed if you do not keep up repayments on your mortgage. The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider. The telephone-based mortgage advice service is provided by TurnKey Mortgages Limited. Registered office: St Crispins House, Duke Street, Norwich NR3 1PD. TurnKey Mortgages Limited are authorised and regulated by the Financial Conduct Authority. Their FCA number is 537424.

What are the different mortgage types?

 

Fixed-Rate Mortgages

 

A fixed-rate mortgage works by establishing fixed monthly payments on your home for a set amount of time. These fixed rates do not change, even if the Bank of England's base rate does.

 

Fixed-rate mortgages usually last between 2 and 5 years, though some can last longer. Should you wish to cancel before the end of the fixed period, you will normally encounter an early-termination fee.

 

Fixed-rate mortgages are great for budgeting purposes, since the amount you pay never changes. Fixed-rate mortgage holders are protected against any fluctuation in a lenders' standard variable rate within the set period. And low interest rates within the first couple of years helps to keep these mortgages both accessible and affordable.

 

Extended tie-in periods could mean that you pay a higher rate once the fixed rate has ended. Conversely, there is also the possibility that the lender's standard variable rate could fall below the fixed rate during your agreement.

 

Currently, though, the Government's Funding for Lending Scheme has driven down fixed-rate mortgages to record low levels.

 

Find out more about fixed rate mortgages.

 

Tracker Mortgages

 

A tracker mortgage is a variable rate mortgage which follows the changes in base rate set by the Bank of England for a set period. So payments change if the Bank of England changes the base rate.

 

When the base rate goes up or down, your interest payments follow by the same amount.

 

Find out how you could be affected by a base rate change through our mortgage calculator, 'what if rates change?', and find out more about tracker mortgages here.

 

Remortgage

 

Remortgages work when a homeowner switches from one lender to another on the same property. They can be a great way to save money on your home loan.

 

As your equity stake in a property rises and the amount you owe reduces, mortgage providers will be more willing to offer cheaper rates because you are deemed to be of lower risk. Cheap remortgage deals can benefit you by reducing your monthly payments.

 

There is a lot of competition for remortgage options, especially for those with 30% or 40% of their loan already repaid. Choosing a low-interest rate remortgage option should be straightforward, though homeowners need to be careful that high arrangement fees do not counteract the savings that would be made by switching to a lower cost loan.

 

Read more about remortgages here.

 

First-Time Buyer Mortgages

 

Buying your first home will be your biggest financial commitment, so it's very important you get your finances organised. There are a lot of first-time buyer mortgages on the market so it can be daunting choosing the right one.

 

When searching, you might want to consider the following:

  • Loan-to-value (LTV) - What is the value of the property? (e.g. £200,000) How much can you pay in deposit? (e.g. £20,000) The remainder constitutes the loan-to-value that you will need. (e.g. = 90%). For more help, check out our calculator: how much can I borrow?
  • Fees and Charges - Some lenders offer fee-free deals for first-time buyers. Considering fees can exceed £1,000, this can prove a hefty addition to your expenses and deserves consideration.
  • Eligibility - Some top deals have restrictions, such as requiring the borrower to switch current accounts.
  • Options for family assistance - Some lenders allow family to help out: for example, by offsetting savings to lower the loan-to-value requirement (see below).

 

First-time buyer mortgages come in fixed- and variable-rate options. Read more about first-time buyer mortgages here.

 

Buy-to-Let Mortgage

 

If you're interesting in buying a property specifically to rent, a buy-to-let mortgage (or landlord mortgage) will help you to get your property investment underway. Becoming a private landlord can be trickier than it first appears, and there's plenty to consider before making the leap.

 

Firstly, these mortgages tend to be more expensive. Lenders normally demand a higher deposit - a minimum of around 25% - and the interest rates tend to be higher than a standard fixed-rate or tracker mortgage of equivalent loan-to-value.

 

Secondly, lenders will calculate the amount you can borrow based upon the rental income you expect to receive as well as your existing income. It is important to make a realistic assessment of what you can expect to receive in a particular area, to avoid landing yourself with a large and unsustainable mortgage. Will you be able to afford the mortgage repayments without the support of rental income?

 

Thirdly, there are other costs involved. Landlord insurance (and legal insurance) are additional expenses, and you can expect to lose some of your rental income to maintenance of the property and agents' fees.

 

Notwithstanding this, however, conditions are currently very strong for landlords, with strong demand for rental property and consistent rent growth.

 

Check out our buy-to-let calculators: what rent to charge and how much to borrow, and find out more about buy-to-let mortgages here.

 

Offset Mortgage

 

An offset mortgage allows you to "offset" your savings against the value of your mortgage. You sacrifice the interest you would have gained from your savings; but in lowering your mortgage value, your interest payments will fall. Plus, it's a tax-efficient option, because you're not losing chunks of your interest returns to the taxman.

 

A quick example of an offset mortgage: if you had £15,000 savings and a £150,000 mortgage, you would only pay interest on £135,000. Using this example, you could save paying interest on 10% of your mortgage.

 

Read more about Offset Mortgages here.

 

No-Fee Mortgage

 

No-Fee mortgages don’t eliminate all costs; however they are free of upfront fees and allow you to pay over the time of your mortgage. They usually come with higher interest rates than other mortgages.

 

The higher interest rates with no-fee mortgages could prove more expensive over the longer term, whereas on a shorter mortgage it could be very beneficial to have a no-fee application.

 

Read more about No-Fee Mortgages here.

 

Islamic Mortgages

 

Sharia'a Approved Home Purchase Plan Information and apply for an Islamic Mortgage here.

 

Commercial Mortgages

 

No Broker Fee and offering Commercial Mortgages with rates from 1.5% over Bank of England Base or up to 80% LTV.

 

Read and apply for a Commercial Mortgage here.

 

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