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Mortgages
Buying a new home or looking to re-mortgage for a better rate? Compare fixed rate, tracker, off-set, first time buyer and buy-to-let mortgages product from leading lenders. Find a low cost new mortgage, or start saving on your monthly repayments today!
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Editors Choice - NatWest Mortgages - Call 0800 158 2940
NatWest offer a comprehensive range of fixed, tracker, off-set and buy-to-let mortgages. Call NatWest on 0800 158 2940 to discuss (Lines open Mon-Fri 8am-8pm & Sat 9am-4pm)
Popular Tracker Mortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
| View Full Table > | |||||||
 |
NatWest 2 Year Tracker Mortgage
|
2.35% (variable)
1.85% above NatWest base rate for 24 months
|
4% (variable)
|
4.00%
|
60%
|
£1,499
|
Call NatWest 0800 158 2940 Apply > |
 |
RBS 2 Year Tracker
|
2.35% (variable)
1.85% above RBS base rate for 24 months
|
4% (variable)
|
4.00%
|
60%
|
£1,499
|
Call RBS 0800 068 7683 Apply > |
 |
HSBC Lifetime Tracker Mortgage
|
2.39% (variable)
Tracks at 1.89% above Bank of England base rate for Life
|
N/A
|
2.50%
|
60%
|
No Application Fee
|
Call HSBC 0800 0774 255 Apply > |
 |
Santander 2 Year Tracker Mortgage
|
2.84% (variable)
2.34% above Bank of England base rate for 2 years
|
4.24% (variable)
|
4.00%
|
60%
|
£995
|
Call Santander 0800 389 4153 Apply > |
|
|
NatWest 2 Year Tracker Mortgage
|
2.89% (variable)
2.39% above NatWest base rate for 24 months
|
4% (variable)
|
4.00%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
Santander 3 Year Tracker Mortgage
|
2.99% (variable)
2.49% above Bank of England base rate for 3 years
|
4.24% (variable)
|
4.00%
|
75%
|
£995
|
Call Santander 0800 389 4153 Apply > |
Popular Fixed Rate Mortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
|
|
HSBC 2 Year Fixed Rate Mortgage
|
2.24%
|
Fixed for 2 Years
|
3.94% (variable)
|
3.80%
|
60%
|
£1,999
|
Call HSBC 0800 0774 349 Apply > |
 |
Post Office 2 Year Fixed Rate Mortgage
|
2.73%
|
Fixed for 2 Years
|
3.99% above the Bank of England Base Rate thereafter
|
4.30%
|
65%
|
£995
|
Call Post Office 0800 054 6982 Apply > |
|
|
NatWest 2 Year Fixed Rate Mortgage
|
2.85%
|
Fixed for 2 Years
|
4% (variable)
|
4.10%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
RBS 2 Year Fixed Rate
|
2.85%
|
Fixed for 2 Years
|
4% (variable)
|
4.00%
|
60%
|
£999
|
Call RBS 0800 068 7683 Apply > |
|
|
Santander 2 Year Fixed Rate Mortgage
|
2.89%
|
Fixed for 2 Years
|
4.24% (variable)
|
4.20%
|
60%
|
£995
|
Call Santander 0800 389 4153 Apply > |
|
|
NatWest 2 Year Fixed Rate Mortgage
|
3.09%
|
Fixed for 2 Years
|
4% (variable)
|
4.10%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
Popular First Time Buyer Mortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
|
|
HSBC 2 Year Fixed Rate Mortgage
|
3.84%
|
Fixed for 2 Years
|
3.94% (variable)
|
4.00%
|
90%
|
No Application Fee
|
Call HSBC 0800 0774 349 Apply > |
|
|
Santander 2 Year Fixed Rate First Time Buyer Mortgage
|
4.09%
|
Fixed for 2 Years
|
4.24% (variable)
|
4.40%
|
85%
|
£495
|
Call Santander 0800 389 4153 Apply > |
|
|
NatWest 2 Year First Time Buyer Fixed Rate Mortgage
|
4.19%
|
Fixed for 2 Years
|
4% (variable)
|
4.20%
|
80%
|
No Application Fee
|
Call NatWest 0800 158 2940 Apply > |
|
|
HSBC 5 Year Fixed Fee Free Mortgage
|
4.89% (variable)
|
Fixed for 5 years
|
3.94% (variable)
|
4.40%
|
90%
|
No Application Fee
|
Call HSBC 0800 0774 253 Apply > |
|
|
HSBC 5 Year Fixed Fee Free Mortgage
|
4.89% (variable)
|
fixed for 5 years
|
3.94% (variable)
|
4.40%
|
90%
|
No Application Fee
|
Call HSBC 0800 0774 253 Apply > |
|
|
NatWest 2 Year First Time Buyer Fixed Rate Mortgage
|
5.39%
|
Fixed for 2 Years
|
4% (variable)
|
4.70%
|
90%
|
No Application Fee
|
Call NatWest 0800 158 2940 Apply > |
|
£250 cashback on completion
|
||||||||
|
|
Santander 5 Year Fixed Rate First Time Buyer Mortgage
|
5.49%
|
fixed for 5 years
|
4.24% (variable)
|
4.90%
|
90%
|
No Application Fee
|
Call Santander 0800 389 4153 Apply > |
|
To qualify customers must open a Santander First Home Saver Account
|
||||||||
Popular Offset Mortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
 |
RBS One Account Offset Mortgage
|
3.65% (variable)
for term of mortgage
|
N/A
|
3.70%
|
75%
|
£499
|
Call One Account 0845 5648932 |
|
|
RBS Offset Flexible Mortgage
|
3.75% (variable)
3.25% above RBS base rate for the entire term
|
n/a
|
3.90%
|
up to 75%
|
£499
|
Call RBS 0800 068 7683 Apply > |
|
|
NatWest Offset Flexible Mortgage
|
3.75% (variable)
3.25% above NatWest base rate for the entire term
|
n/a
|
3.90%
|
up to 75%
|
£499
|
Call NatWest 0800 158 2940 Apply > |
Popular Buy to Let Mortgages
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
|
|
NatWest Buy to Let 2 Year Tracker Mortgage
|
4.49% (variable)
|
Fixed for 2 Years
|
4.5% (variable)
|
4.90%
|
75%
|
£1,999
|
Call NatWest 0800 158 2940 Apply > |
|
|
RBS Buy to Let 2 Year Tracker Mortgage
|
4.49% (variable)
|
Fixed for 2 Years
|
4.5% (variable)
|
4.90%
|
75%
|
£1,999
|
Call RBS 0800 068 7683 Apply > |
|
|
HSBC Buy-to-Let 2yr Fixed
|
4.49% (variable)
|
Fixed for 2 Years
|
5.00% (variable)
|
5.20%
|
75%
|
£1499
|
Call HSBC 0800 0774 255 Apply > |
|
Available for existing HSBC customers only.
|
||||||||
 |
Islamic Bank of Britain Buy-to-Let Mortgage
|
5.49% (variable)
|
Tracks at 4.99% above BoE Base rate for term
|
5.49% (variable)
|
5.49%
|
75%
|
1%
|
|
|
|
NatWest Buy to Let 2 Year Fixed Mortgage
|
5.59%
|
Fixed for 2 Years
|
4.5% (variable)
|
5.00%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
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.
Latest Mortgage News 
-
The market for mortgages continues to shows signs of consolidation after the Council of Mortgage Lenders reported strong buy-to-let performance ...Fri 10th Feb, 2012 -
Lenders are preparing to offer a 95% mortgage to boost an ailing housing market that depends heavily on buy-to-let and those unable to afford ...Mon 30th Jan, 2012 -
Net lending for consumers and businesses remains 'subdued' on the back of the tough financial climate. Concerned consumers paid off more ...Thu 26th Jan, 2012 -
Overall, mortgage lending increased in 2011 after lending activity increased for five consecutive months to December. The housing market faces a ...Tue 24th Jan, 2012 -
Huge household debts in the UK are just part of a chilling picture that sees overall debt levels in the UK and Japan soar far beyond all other ...Fri 20th Jan, 2012 -
HSBC hopes to take the largest market share of mortgages that the bank has ever had by making £15 billion available for UK homeowners in 2012, ...Fri 20th Jan, 2012
Types of Mortgages
Fixed Rate Mortgages
A fixed rate mortgage has fixed monthly payments for a fixed amount of time. The fixed rates never change even if there are changes to the bank of England’s Base Rate.
Fixed rate mortgages usually last 2-5 years and however some can last longer than this, and should you wish to cancel before the end time you will encounter an early repayment fee.
Fixed rate mortgages are great for budgeting purposes’ since the amount you pay never changes. Protection from lenders standard variable rate within the fixed period and low interest rates within the first couple of years helps ease worries of increases.
Extended tie in periods could mean you pay a higher rate once the fixed rate has ended, also the lenders standard variable rate may fall below the fixed rate.
Read more about fixed rate mortgages here.
Tracker Mortgages
Tracker mortgages follow the changes in base rate set by the bank of England for a set period with a constant differential. So this means your interest payments go up when the base rate goes up and down when the base rate goes down.
A tracker mortgage is a variable rate mortgage which follows the bank of England base rate, so payments will only change if the bank of England changes the base rates.
When the bank of England raises interest rates tracker mortgages will rise at the same time.
Read more about tracker mortgages here.
Remortgage
Remortgages are when you change from one lender to another without actually moving home. This is a great way to make some extra funds and cheap remortgages can also benefit you by reducing your monthly payments or keep a fixed rate.
The best way to choose a remortgage would be to look out for deals, fees and if you meet the criteria needed. Low interest rates are a good to look out for as well.
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 very daunting choosing the right one.
There are 3 big points you will want to look at for when searching they are.
- Interest Rates
- Fees and Charges
- Eligibility
There is also fixed rate and variable rate. Read more about First time Buyer Mortgages here.
Offset Mortgage
An offset mortgage is a one of a kind mortgage which allows you to “offset” your savings against the value of your mortgage. This doesn’t mean you lose all your savings it just means you lose the interest you would have gained from it, as well as this assuming you’re a taxpayer you will no longer have to pay tax on your savings interest as you’re no longer earning from it.
A quick example of an offset mortgage would be 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.
Someone looking for a long term mortgage could find themselves paying more on a no-fee mortgage due to higher interest rates, 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.
