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COMPARE 1000S OF MORTGAGE RATES

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Allied Irish Bank
Max LTV 60%:
Fixed to 31/05/29
Initial rate
4.24%
then 7.75% (variable)
Monthly repayments
£676
Scheme fees
£200
Annual cost
£8,158
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.24% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £676 and 240 payments of £897. The total amount payable would be £256,040 made up of the loan amount plus interest (£130,840) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0808 292 0724
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.36%
then 8.74% (variable)
Monthly repayments
£685
Scheme fees
£999
Annual cost
£8,418
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% to 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.36% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £684 and 240 payments of £967. The total amount payable would be £274,119 made up of the loan amount plus interest (£148,120) and fees (£999). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.38%
then 8.24% (variable)
Monthly repayments
£686
Scheme fees
£999
Annual cost
£8,435
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.38% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £686 and 240 payments of £933. The total amount payable would be £266,079 made up of the loan amount plus interest (£140,080) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.40%
then 8.24% (variable)
Monthly repayments
£688
Scheme fees
£1,495
Annual cost
£8,552
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.40% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £687 and 240 payments of £933. The total amount payable would be £266,635 made up of the loan amount plus interest (£140,140) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.43%
then 8.12% (variable)
Monthly repayments
£690
Scheme fees
£749
Annual cost
£8,428
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.43% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £689 and 240 payments of £925. The total amount payable would be £264,089 made up of the loan amount plus interest (£138,340) and fees (£749). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Allied Irish Bank
Max LTV 75%:
Fixed to 31/05/29
Initial rate
4.44%
then 7.75% (variable)
Monthly repayments
£691
Scheme fees
£200
Annual cost
£8,326
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.44% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £690 and 240 payments of £900. The total amount payable would be £257,600 made up of the loan amount plus interest (£132,400) and fees (£200). The overall cost for comparison is 6.6% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.6% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.45%
then 8.24% (variable)
Monthly repayments
£691
Scheme fees
£995
Annual cost
£8,494
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.45% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £691 and 240 payments of £934. The total amount payable would be £266,615 made up of the loan amount plus interest (£140,620) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£0
Annual cost
£8,312
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% to 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,080 made up of the loan amount plus interest (£149,080) and fees (£0). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
Barclays
Max LTV 60%:
Fixed to 30/06/29
Initial rate
4.47%
then 8.74% (variable)
Monthly repayments
£693
Scheme fees
£899
Annual cost
£8,492
Fees and charges
Booking fee £0
Arrangement fee £899
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4% until 30/06/29
Other info
Exit fee £80
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.47% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £692 and 240 payments of £969. The total amount payable would be £274,979 made up of the loan amount plus interest (£149,080) and fees (£899). The overall cost for comparison is 7.3% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.3% APRC
?
0808 292 0724
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£490
Annual cost
£8,418
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,070 made up of the loan amount plus interest (£120,580) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.48%
then 6.99% (variable)
Monthly repayments
£693
Scheme fees
£999
Annual cost
£8,520
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.48% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £693 and 240 payments of £850. The total amount payable would be £246,579 made up of the loan amount plus interest (£120,580) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.49%
then 9.49% (variable)
Monthly repayments
£694
Scheme fees
£909
Annual cost
£8,511
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £694 and 240 payments of £1,022. The total amount payable would be £287,829 made up of the loan amount plus interest (£161,920) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Vernon
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.49%
then 8.10% (variable)
Monthly repayments
£694
Scheme fees
£1,244
Annual cost
£8,578
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £245
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/08/29
Other info
Exit fee £130
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.49% and then on a variable rate of 8.10% for the remaining 20 years would require 60 payments of £694 and 240 payments of £925. The total amount payable would be £264,884 made up of the loan amount plus interest (£138,640) and fees (£1,244). The overall cost for comparison is 6.9% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.52%
then 8.24% (variable)
Monthly repayments
£696
Scheme fees
£1,495
Annual cost
£8,654
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.52% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,655 made up of the loan amount plus interest (£141,160) and fees (£1,495). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Cumberland
Max LTV 75%:
Fixed to 01/07/29
Initial rate
4.53%
then 8.24% (variable)
Monthly repayments
£697
Scheme fees
£999
Annual cost
£8,563
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.53% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £696 and 240 payments of £935. The total amount payable would be £267,159 made up of the loan amount plus interest (£141,160) and fees (£999). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Allied Irish Bank
Max LTV 80%:
Fixed to 31/05/29
Initial rate
4.55%
then 7.75% (variable)
Monthly repayments
£698
Scheme fees
£200
Annual cost
£8,420
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £200
Other fees £0
Cashback £0
Flexibility
Overpayments allowed?
Early Repayment Charge:
6 months interest until 31/05/29
Other info
Exit fee £55
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.55% and then on a variable rate of 7.75% for the remaining 20 years would require 60 payments of £698 and 240 payments of £902. The total amount payable would be £258,560 made up of the loan amount plus interest (£133,360) and fees (£200). The overall cost for comparison is 6.7% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0808 292 0724
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.56%
then 8.74% (variable)
Monthly repayments
£699
Scheme fees
£999
Annual cost
£8,588
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% to 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.56% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £699 and 240 payments of £970. The total amount payable would be £275,739 made up of the loan amount plus interest (£149,740) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
Co-Op
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.12% (variable)
Monthly repayments
£700
Scheme fees
-£250
Annual cost
£8,347
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £699 and 240 payments of £927. The total amount payable would be £264,170 made up of the loan amount plus interest (£139,420) and fees (-£250). The overall cost for comparison is 6.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.9% APRC
?
0808 292 0724
Natwest
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.57%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£995
Annual cost
£8,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.57% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £699 and 240 payments of £936. The total amount payable would be £267,575 made up of the loan amount plus interest (£141,580) and fees (£995). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
HSBC
Max LTV 70%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £247,239 made up of the loan amount plus interest (£121,240) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 70% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
HSBC
Max LTV 75%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £247,239 made up of the loan amount plus interest (£121,240) and fees (£999). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
First Direct
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£490
Annual cost
£8,504
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £246,730 made up of the loan amount plus interest (£121,240) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,406
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £266,640 made up of the loan amount plus interest (£141,640) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Cumberland
Max LTV 85%:
Fixed to 01/07/29
Initial rate
4.58%
then 8.24% (variable)
Monthly repayments
£700
Scheme fees
£999
Annual cost
£8,606
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £700 and 240 payments of £936. The total amount payable would be £267,639 made up of the loan amount plus interest (£141,640) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
First Direct
Max LTV 60%:
Fixed for 5 years
First time buyer only
Initial rate
4.58%
then 6.99% (variable)
Monthly repayments
£700
Scheme fees
£0
Annual cost
£8,406
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.58% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £700 and 240 payments of £851. The total amount payable would be £246,240 made up of the loan amount plus interest (£121,240) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
TSB
Max LTV 60%:
Fixed to 30/06/29
First time buyer only
Initial rate
4.59%
then 7.74% (variable)
Monthly repayments
£701
Scheme fees
£995
Annual cost
£8,613
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/06/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 7.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £902. The total amount payable would be £259,535 made up of the loan amount plus interest (£133,540) and fees (£995). The overall cost for comparison is 6.7% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.7% APRC
?
0808 292 0724
Lloyds
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.59%
then 8.74% (variable)
Monthly repayments
£701
Scheme fees
£999
Annual cost
£8,614
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% to 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £701 and 240 payments of £971. The total amount payable would be £276,099 made up of the loan amount plus interest (£150,100) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
Virgin Money
Max LTV 75%:
Fixed to 01/08/29
Initial rate
4.59%
then 9.49% (variable)
Monthly repayments
£701
Scheme fees
£909
Annual cost
£8,596
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.59% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £701 and 240 payments of £1,024. The total amount payable would be £288,729 made up of the loan amount plus interest (£162,820) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Co-Op
Max LTV 75%:
Fixed to 31/08/29
Initial rate
4.62%
then 8.12% (variable)
Monthly repayments
£703
Scheme fees
£749
Annual cost
£8,590
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
5% reducing to 1% until 31/08/29
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.12% for the remaining 20 years would require 60 payments of £703 and 240 payments of £928. The total amount payable would be £265,649 made up of the loan amount plus interest (£139,900) and fees (£749). The overall cost for comparison is 7.0% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Natwest
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.62%
then 8.24% (variable)
Monthly repayments
£703
Scheme fees
£0
Annual cost
£8,440
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £703 and 240 payments of £936. The total amount payable would be £266,820 made up of the loan amount plus interest (£141,820) and fees (£0). The overall cost for comparison is 7.0% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.0% APRC
?
0808 292 0724
Halifax
Max LTV 60%:
Fixed to 30/09/29
Initial rate
4.62%
then 8.74% (variable)
Monthly repayments
£703
Scheme fees
£1,099
Annual cost
£8,660
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £100
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 30/09/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.62% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £703 and 240 payments of £971. The total amount payable would be £276,319 made up of the loan amount plus interest (£150,220) and fees (£1,099). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£1,495
Annual cost
£8,748
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,615 made up of the loan amount plus interest (£142,120) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Natwest
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£1,495
Annual cost
£8,748
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,615 made up of the loan amount plus interest (£142,120) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Cumberland
Max LTV 60%:
Fixed to 01/07/29
Initial rate
4.63%
then 8.24% (variable)
Monthly repayments
£704
Scheme fees
£999
Annual cost
£8,648
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 01/07/29
Other info
Exit fee £125
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £704 and 240 payments of £937. The total amount payable would be £268,119 made up of the loan amount plus interest (£142,120) and fees (£999). The overall cost for comparison is 7.1% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
First Direct
Max LTV 80%:
Fixed for 5 years
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£490
Annual cost
£8,547
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
First Direct
Max LTV 85%:
Fixed for 5 years
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£490
Annual cost
£8,547
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £247,210 made up of the loan amount plus interest (£121,720) and fees (£490). The overall cost for comparison is 6.2% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 31/07/29
First time buyer only
Initial rate
4.63%
then 6.99% (variable)
Monthly repayments
£704
Scheme fees
£0
Annual cost
£8,449
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% until 31/07/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.63% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £704 and 240 payments of £852. The total amount payable would be £246,720 made up of the loan amount plus interest (£121,720) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
First Direct
Max LTV 60%:
Fixed for 10 years
First time buyer only
Initial rate
4.64%
then 6.99% (variable)
Monthly repayments
£705
Scheme fees
£490
Annual cost
£8,506
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 10 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.64% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £704 and 180 payments of £819. The total amount payable would be £232,390 made up of the loan amount plus interest (£106,900) and fees (£490). The overall cost for comparison is 5.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
First Direct
Max LTV 75%:
Fixed for 10 years
First time buyer only
Initial rate
4.64%
then 6.99% (variable)
Monthly repayments
£705
Scheme fees
£490
Annual cost
£8,506
Fees and charges
Booking fee £490
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 10 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 10 years at 4.64% and then on a variable rate of 6.99% for the remaining 15 years would require 120 payments of £704 and 180 payments of £819. The total amount payable would be £232,390 made up of the loan amount plus interest (£106,900) and fees (£490). The overall cost for comparison is 5.5% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 5.5% APRC
?
0808 292 0724
MPowered Mortgages
Max LTV 60%:
Fixed for 5 years
Initial rate
4.64%
then 8.74% (variable)
Monthly repayments
£705
Scheme fees
£999
Annual cost
£8,657
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
4.5% reducing to 1% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.64% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £704 and 240 payments of £972. The total amount payable would be £276,519 made up of the loan amount plus interest (£150,520) and fees (£999). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
MPowered Mortgages
Max LTV 60%:
Fixed for 3 years
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£999
Annual cost
£8,816
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% for 3 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.67% and then on a variable rate of 8.74% for the remaining 22 years would require 36 payments of £706 and 264 payments of £994. The total amount payable would be £288,831 made up of the loan amount plus interest (£162,832) and fees (£999). The overall cost for comparison is 7.9% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Lloyds
Max LTV 60%:
Fixed to 31/08/29
Initial rate
4.67%
then 8.74% (variable)
Monthly repayments
£707
Scheme fees
£0
Annual cost
£8,483
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 1% to 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.67% and then on a variable rate of 8.74% for the remaining 20 years would require 60 payments of £706 and 240 payments of £972. The total amount payable would be £275,640 made up of the loan amount plus interest (£150,640) and fees (£0). The overall cost for comparison is 7.4% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.4% APRC
?
0808 292 0724
First Direct
Max LTV 75%:
Fixed for 5 years
First time buyer only
Initial rate
4.68%
then 6.99% (variable)
Monthly repayments
£708
Scheme fees
£0
Annual cost
£8,491
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? Unlimited
Early Repayment Charge:
3% reducing to 2% for 5 years
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 6.99% for the remaining 20 years would require 60 payments of £707 and 240 payments of £853. The total amount payable would be £247,140 made up of the loan amount plus interest (£122,140) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 6.2% APRC
?
0808 292 0724
Co-Op
Max LTV 60%:
Fixed to 31/08/27
Initial rate
4.68%
then 8.12% (variable)
Monthly repayments
£708
Scheme fees
£749
Annual cost
£8,741
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250
Flexibility
Overpayments allowed? 10% pa
Early Repayment Charge:
3% reducing to 1% until 31/08/27
Other info
Exit fee £50
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.68% and then on a variable rate of 8.12% for the remaining 22 years would require 36 payments of £707 and 264 payments of £948. The total amount payable would be £276,473 made up of the loan amount plus interest (£150,724) and fees (£749). The overall cost for comparison is 7.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 7.5% APRC
?
0808 292 0724
Natwest
Max LTV 85%:
Fixed to 31/08/29
Initial rate
4.68%
then 8.24% (variable)
Monthly repayments
£708
Scheme fees
£995
Annual cost
£8,690
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £707 and 240 payments of £937. The total amount payable would be £268,295 made up of the loan amount plus interest (£142,300) and fees (£995). The overall cost for comparison is 7.1% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Natwest
Max LTV 80%:
Fixed to 31/08/29
Initial rate
4.68%
then 8.24% (variable)
Monthly repayments
£708
Scheme fees
£995
Annual cost
£8,690
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 20% p/a
Early Repayment Charge:
4.5% reducing to 1% until 31/08/29
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.68% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £707 and 240 payments of £937. The total amount payable would be £268,295 made up of the loan amount plus interest (£142,300) and fees (£995). The overall cost for comparison is 7.1% APRC representative.
Max LTV 80% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
Virgin Money
Max LTV 65%:
Fixed to 01/08/29
Initial rate
4.69%
then 9.49% (variable)
Monthly repayments
£708
Scheme fees
£214
Annual cost
£8,543
Fees and charges
Booking fee £0
Arrangement fee £0
Valuation fee £214
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £708 and 240 payments of £1,026. The total amount payable would be £288,934 made up of the loan amount plus interest (£163,720) and fees (£214). The overall cost for comparison is 7.9% APRC representative.
Max LTV 65% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
Virgin Money
Max LTV 85%:
Fixed to 01/08/29
Initial rate
4.69%
then 9.49% (variable)
Monthly repayments
£708
Scheme fees
£909
Annual cost
£8,682
Fees and charges
Booking fee £0
Arrangement fee £995
Valuation fee £214
Other fees £0
Cashback £300
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3.5% until 01/08/29
Other info
Exit fee £99
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 9.49% for the remaining 20 years would require 60 payments of £708 and 240 payments of £1,026. The total amount payable would be £289,629 made up of the loan amount plus interest (£163,720) and fees (£909). The overall cost for comparison is 7.9% APRC representative.
Max LTV 85% Early Repayment Charges apply
Overall cost for comparison 7.9% APRC
?
0808 292 0724
HSBC
Max LTV 60%:
Fixed to 31/07/27
First time buyer only
Initial rate
4.69%
then 6.99% (variable)
Monthly repayments
£708
Scheme fees
£999
Annual cost
£8,833
Fees and charges
Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
3% reducing to 1% until 31/07/27
Other info
Exit fee £0
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 3 years at 4.69% and then on a variable rate of 6.99% for the remaining 22 years would require 36 payments of £708 and 264 payments of £865. The total amount payable would be £254,847 made up of the loan amount plus interest (£128,848) and fees (£999). The overall cost for comparison is 6.5% APRC representative.
Max LTV 60% Early Repayment Charges apply
Overall cost for comparison 6.5% APRC
?
0808 292 0724
Yorkshire BS
Max LTV 75%:
Fixed to 31/07/29
Initial rate
4.69%
then 8.24% (variable)
Monthly repayments
£708
Scheme fees
£1,495
Annual cost
£8,799
Fees and charges
Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £0
Flexibility
Overpayments allowed? 10% p/a
Early Repayment Charge:
5% reducing to 2% until 31/07/29
Other info
Exit fee £90
Basic legals Payable
Representative example A mortgage of £125,000 payable over 25 years, initially on a fixed rate for 5 years at 4.69% and then on a variable rate of 8.24% for the remaining 20 years would require 60 payments of £708 and 240 payments of £938. The total amount payable would be £269,095 made up of the loan amount plus interest (£142,600) and fees (£1,495). The overall cost for comparison is 7.1% APRC representative.
Max LTV 75% Early Repayment Charges apply
Overall cost for comparison 7.1% APRC
?
0808 292 0724
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When compiling our best buy tables we compare the best mortgage rates from across the UK market, including deals that are exclusive to us. It's important to remember that the best mortgage deals are not necessarily about getting the lowest mortgage rate possible, you also need to take into account all the fees and charges associated in setting up your new mortgage deal.

By choosing L&C to find your next mortgage deal our advisers will research the market for you, looking at criteria, set up fees and the rate to help you compare the best mortgage deal for your circumstances, saving you time and effort. Our best buy tables above show you the mortgage deals currently available, both fixed rates and variable rates, whether you are looking to purchase or remortgage to a better deal.

After taking out a mortgage or another financial product, 93% of L&C customers would recommend us based on 1466 Reviews.co.uk respondents. Read our reviews

Looking to Move Home?

There’s no escaping the fact that moving home is stressful, but the good news is that getting a mortgage doesn’t have to be.

There are lots of different mortgage options for home movers, whether it is taking out a new deal or moving your current mortgage over to a new property.

Don’t worry if you’re not sure which option is right for you. Here at L&C, we can discuss all the different routes you might be able to take and advise you on the best deal to suit your individual circumstances.

In this guide

Why apply for a mortgage with L&C?

Applying for your mortgage with L&C when you’re moving home can help save you money, time, and hassle. We’ve got all the mortgage advice you need to help make the home buying process as painless as possible.

  • Use our online Mortgage Finder at a time and place that’s convenient for you, either at home or on the go.
  • It’ll ask you for all the essential information, including the purchase price of the property you’re hoping to buy, how much you want to borrow, and what your income is.
  • The Mortgage Finder will give you a list of personalised results in real time of all the home mover deals you might qualify for.
  • If you haven’t found a property yet, you can complete our Mortgage Finder, and we’ll send you a ‘Decision in Principle’ certificate by email, indicating how much you might be able to borrow. If we need to check anything, one of our expert mortgage advisers will give you a call to confirm your details and fill in any blanks. Our online Decision in Principle doesn’t require a credit check, so won’t harm your credit score to apply.
  • If you’ve found your new home and you’re ready for the next step, just fill in the property details on our Mortgage Finder and send it over to us so that we can get started on finding the best mortgage deal for you.
  • Our advice is fee free. Like all other brokers, we’ll receive a payment from the lender you take your mortgage through, but we won’t charge you anything on top of this so there‘s nothing to pay us. You’ll pay no more applying through us than you would going directly to the lender on the same deal.

Back to top of guide

Mortgage Options for Moving Home

There are three main mortgage options if you’re moving home: either ‘porting’ your existing mortgage across to a new property; porting your mortgage and borrowing additional funds, or taking out a new mortgage. Here’s what you need to know.

  • Porting your current mortgage. If you’re tied into your existing mortgage deal, your lender may be prepared to let you transfer it across to your new property without paying an Early Repayment Charge (ERC). However, if they do allow this, you’ll still need to go through the mortgage application process again, as your lender will need to be satisfied that you meet their current lending criteria and that the mortgage is affordable. Find out more in our guide to Porting a mortgage.
  • Moving to a larger home with a bigger mortgage. If you’re porting a mortgage and need to borrow additional funds, bear in mind that this may be at a different rate to your current mortgage. If you do need a different deal, it’s a good idea to try and ensure this finishes at a similar time to your existing mortgage so that you can then remortgage the whole amount onto the same deal at a later date.
  • Taking out a new mortgage. If you’re currently on your lender’s Standard Variable Rate (SVR), or there are no charges to move away from your existing mortgage or lender, you may decide to take out a new mortgage when you move home. There are many different types of mortgage deals you may want to look at, so take a look at our mortgage guides for more information, or give us a call and an expert adviser will be able to recommend the right option for you.

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When to apply for a mortgage

It’s a good idea to start the process of applying for a mortgage as soon as you’ve decided you’re going to move home.

Your starting point should be to think about how much you want to borrow, and what type of mortgage you’d like.

Here at L&C we can help you determine which type of mortgage is right for you, and once you’ve found a property to buy, we will support you through the mortgage application process from start to finish.

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Start your search online for a mortgage

Whether you want a fixed or variable deal, our online Mortgage Finder searches over 80 lenders on your behalf, so finding your home-mover mortgage online couldn’t be simpler.

You’ll need a few details about your income and outgoings, what size deposit you’re planning to put down, how much you want to borrow and how long you want your mortgage term to be. We’ll then advise you on the best deal for you.

Once you’re ready, it’s easy to apply online – we’ll pre-populate all your details so you don’t have to tell us twice! And once you’ve submitted your application, you can then track its progress online 24/7. Remember, you can pick up the phone and talk to one of our advisers at any point if you get stuck or if you need any help.

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Moving Home FAQs

Can you move house if you have a fixed rate mortgage?

Yes, as long as your lender will allow you to take your fixed rate mortgage to your new property. Most mortgage deals are portable, but you will need to re-apply to ensure you still meet your lender’s criteria.

If you’re porting an existing mortgage to a new property, you can apply to borrow additional funds from your lender. However, bear in mind that you may be on a different mortgage rate for any extra borrowing.

Yes, this is known as porting. In most cases, lenders will allow you to transfer your mortgage to a new property without having to pay any Early Repayment Charges (ERC’s). However, you will have to reapply for your mortgage, so that your lender can be certain that you meet their current affordability criteria.

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Remortgage deals
First time buyer deals
Moving home deals
Buy to Let deals
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.
Representative example A mortgage of £218,181 payable over 24 years, initially on a fixed rate until 31/07/26 at 4.71% and then on a variable rate of 6.99% for the remaining 22 years would require 27 payments of £1,266.09 followed by 261 payments of £1,541.62. The total amount payable would be £437,546 made up of the loan amount plus interest (£218,366) and fees (£999). The overall cost for comparison is 6.7% APRC representative.
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