95% Mortgages

  • If you have limited financial resources at your disposal for a deposit a 95% loan-to-value (LTV) mortgage could be an option.
  • See if these products suit your personal circumstances by comparing the latest interest rates and other key features of 95% LTV mortgages below.
  • You can compare the latest rates and other vital information on 95% mortgages in the table below.

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HSBC Mortgages
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Whether you are a first time buyer or looking to remortgage, HSBC offers a range of mortgages that are designed to assist our customers.
Lines open 8am - 10pm everyday. Calls may be monitored and recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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The following results are based on a loan to value (LTV) of 95%
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  • Nationwide BS 3.79% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    3.79%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £735.74
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.79% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £735.74 x 24
    • Ongoing Monthly Payments:
      £732.12 x 276
    • Total Amount Payable:
      £221,221.90
    • Total Interest Payable:
      £77,222.88
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £735.74 and 276 monthly payments of £732.12. The total amount payable would be £220,771.90 made up of the loan amount plus interest £77,222.88 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS 3.79% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    3.79%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £735.74
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.79% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £735.74 x 24
    • Ongoing Monthly Payments:
      £732.12 x 276
    • Total Amount Payable:
      £220,721.90
    • Total Interest Payable:
      £77,222.88
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £735.74 and 276 monthly payments of £732.12. The total amount payable would be £220,771.90 made up of the loan amount plus interest £77,222.88 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Post Office Money® 3.83% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    3.83%
    Fixed to 30/06/2019
  • APRC
    4.30%
  • Monthly Payment
    £738.86
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      3.83% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £738.86 x 25
    • Ongoing Monthly Payments:
      £768.92 x 275
    • Total Amount Payable:
      £230,119.50
    • Total Interest Payable:
      £87,424.50
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.83% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £738.86 and 275 monthly payments of £768.92. The total amount payable would be £230,169.50 made up of the loan amount plus interest £87,424.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Post Office Money® 3.83% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    3.83%
    Fixed to 30/06/2019
  • APRC
    4.30%
  • Monthly Payment
    £738.86
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      3.83% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £738.86 x 25
    • Ongoing Monthly Payments:
      £768.92 x 275
    • Total Amount Payable:
      £230,119.50
    • Total Interest Payable:
      £87,424.50
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 25 months at 3.83% and then reverting to our variable rate of 4.24% tracker for remaining term. 25 monthly payments of £738.86 and 275 monthly payments of £768.92. The total amount payable would be £230,169.50 made up of the loan amount plus interest £87,424.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Nationwide BS 3.89% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £743.54
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.89% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £743.54 x 24
    • Ongoing Monthly Payments:
      £732.63 x 276
    • Total Amount Payable:
      £221,549.80
    • Total Interest Payable:
      £77,550.84
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.89% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £743.54 and 276 monthly payments of £732.63. The total amount payable would be £221,099.80 made up of the loan amount plus interest £77,550.84 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS 3.89% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £743.54
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.89% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £743.54 x 24
    • Ongoing Monthly Payments:
      £732.63 x 276
    • Total Amount Payable:
      £221,049.80
    • Total Interest Payable:
      £77,550.84
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.89% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £743.54 and 276 monthly payments of £732.63. The total amount payable would be £221,099.80 made up of the loan amount plus interest £77,550.84 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Clydesdale Bank 3.94% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 31/07/2020
  • APRC
    4.60%
  • Monthly Payment
    £747.45
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback Max £75K of Mortgage Advance
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £747.45 x 38
    • Ongoing Monthly Payments:
      £801.81 x 262
    • Total Amount Payable:
      £238,422.30
    • Total Interest Payable:
      £95,977.32
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.94% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £747.45 and 262 monthly payments of £801.81. The total amount payable would be £238,722.30 made up of the loan amount plus interest £95,977.32 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Clydesdale Bank 3.94% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 31/07/2020
  • APRC
    4.60%
  • Monthly Payment
    £747.45
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £747.45 x 38
    • Ongoing Monthly Payments:
      £801.81 x 262
    • Total Amount Payable:
      £238,422.30
    • Total Interest Payable:
      £95,977.32
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.94% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £747.45 and 262 monthly payments of £801.81. The total amount payable would be £238,722.30 made up of the loan amount plus interest £95,977.32 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Yorkshire Bank 3.94% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 31/07/2020
  • APRC
    4.60%
  • Monthly Payment
    £747.45
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback Max £75K of Mortgage Advance
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £747.45 x 38
    • Ongoing Monthly Payments:
      £801.81 x 262
    • Total Amount Payable:
      £238,422.30
    • Total Interest Payable:
      £95,977.32
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.94% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £747.45 and 262 monthly payments of £801.81. The total amount payable would be £238,722.30 made up of the loan amount plus interest £95,977.32 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Yorkshire Bank 3.94% Fixed to 31/07/2020
  • Mortgage Type
    fixed
  • Initial Rate
    3.94%
    Fixed to 31/07/2020
  • APRC
    4.60%
  • Monthly Payment
    £747.45
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.94% Fixed to 31/07/2020
    • Incentives:
      Free valuation fees
      No arrangement fees
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £747.45 x 38
    • Ongoing Monthly Payments:
      £801.81 x 262
    • Total Amount Payable:
      £238,422.30
    • Total Interest Payable:
      £95,977.32
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.94% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £747.45 and 262 monthly payments of £801.81. The total amount payable would be £238,722.30 made up of the loan amount plus interest £95,977.32 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Virgin Money 3.99% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 01/09/2019
  • APRC
    4.40%
  • Monthly Payment
    £751.38
  • Max LTV
    95%
  • Fees
    £163
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £475,000
    • Product Description:
      3.99% Fixed to 01/09/2019
    • Incentives:
      No arrangement fees
      £300 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £751.38 x 28
    • Ongoing Monthly Payments:
      £791.88 x 56
    • Total Amount Payable:
      £233,527.40
    • Total Interest Payable:
      £90,614.40
    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1.5% Outstanding Balance
    Virgin Money
    Call Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 28 months at 3.99% and then reverting to our variable rate of 4.54% variable for remaining term. 28 monthly payments of £751.38 and 56 monthly payments of £791.88. The total amount payable would be £233,377.40 made up of the loan amount plus interest £90,614.40 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.40% APRC representative.

  • Post Office Money® 4.09% Fixed to 30/06/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed to 30/06/2022
  • APRC
    4.30%
  • Monthly Payment
    £759.27
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      4.09% Fixed to 30/06/2022
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £759.27 x 61
    • Ongoing Monthly Payments:
      £769.14 x 239
    • Total Amount Payable:
      £230,334.90
    • Total Interest Payable:
      £87,639.93
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 4/4/3/3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 61 months at 4.09% and then reverting to our variable rate of 4.24% tracker for remaining term. 61 monthly payments of £759.27 and 239 monthly payments of £769.14. The total amount payable would be £230,384.90 made up of the loan amount plus interest £87,639.93 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Post Office Money® 4.09% Fixed to 30/06/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed to 30/06/2022
  • APRC
    4.30%
  • Monthly Payment
    £759.27
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      4.09% Fixed to 30/06/2022
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £759.27 x 61
    • Ongoing Monthly Payments:
      £769.14 x 239
    • Total Amount Payable:
      £230,334.90
    • Total Interest Payable:
      £87,639.93
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/22: 4/4/3/3/2% Sum Repaid
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 61 months at 4.09% and then reverting to our variable rate of 4.24% tracker for remaining term. 61 monthly payments of £759.27 and 239 monthly payments of £769.14. The total amount payable would be £230,384.90 made up of the loan amount plus interest £87,639.93 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Virgin Money 4.09% Fixed to 01/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed to 01/09/2020
  • APRC
    4.40%
  • Monthly Payment
    £759.27
  • Max LTV
    95%
  • Fees
    £163
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £475,000
    • Product Description:
      4.09% Fixed to 01/09/2020
    • Incentives:
      No arrangement fees
      £300 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £759.27 x 40
    • Ongoing Monthly Payments:
      £791.29 x 44
    • Total Amount Payable:
      £233,203.60
    • Total Interest Payable:
      £90,290.60
    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/20: 2% Outstanding Balance
    Virgin Money
    Call Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 40 months at 4.09% and then reverting to our variable rate of 4.54% variable for remaining term. 40 monthly payments of £759.27 and 44 monthly payments of £791.29. The total amount payable would be £233,053.60 made up of the loan amount plus interest £90,290.60 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.40% APRC representative.

  • Nationwide BS 4.19% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    4.19%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £767.20
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      4.19% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £767.20 x 24
    • Ongoing Monthly Payments:
      £734.14 x 276
    • Total Amount Payable:
      £221,535.40
    • Total Interest Payable:
      £78,535.44
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £767.20 and 276 monthly payments of £734.14. The total amount payable would be £221,085.40 made up of the loan amount plus interest £78,535.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS 4.19% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    4.19%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £767.20
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      4.19% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £767.20 x 24
    • Ongoing Monthly Payments:
      £734.14 x 276
    • Total Amount Payable:
      £221,035.40
    • Total Interest Payable:
      £78,535.44
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £767.20 and 276 monthly payments of £734.14. The total amount payable would be £221,085.40 made up of the loan amount plus interest £78,535.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Post Office Money® 4.24% Variable
  • Mortgage Type
    tracker
  • Initial Rate
    4.24%
    Variable
  • APRC
    4.40%
  • Monthly Payment
    £771.18
  • Max LTV
    95%
  • Fees
    £240
  • See deal + Product Details
    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      4.24% Variable
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £771.18 x 300
    • Ongoing Monthly Payments:
      £0 x 0
    • Total Amount Payable:
      £232,289
    • Total Interest Payable:
      £88,854
    • Product Fee:
      £0
    • Valuation Fee:
      £240
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      No
    Post Office Money®
    Visit Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 0 months at 4.24% and then reverting to our variable rate of 0.00% for remaining term. 300 monthly payments of £771.18 and 0 monthly payments of £0. The total amount payable would be £231,839 made up of the loan amount plus interest £88,854 and a product fee £0 and valuation fee £240. The overall cost for comparison is 4.40% APRC representative.

  • Clydesdale Bank 4.29% Fixed to 31/07/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed to 31/07/2022
  • APRC
    4.60%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.29% Fixed to 31/07/2022
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback Max £75K of Mortgage Advance
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 62
    • Ongoing Monthly Payments:
      £802.58 x 238
    • Total Amount Payable:
      £239,019.60
    • Total Interest Payable:
      £96,574.58
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/5/4/3/2% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 62 months at 4.29% and then reverting to our variable rate of 4.70% variable for remaining term. 62 monthly payments of £775.17 and 238 monthly payments of £802.58. The total amount payable would be £239,319.60 made up of the loan amount plus interest £96,574.58 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Nationwide BS 4.29% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.29% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 24
    • Ongoing Monthly Payments:
      £734.63 x 276
    • Total Amount Payable:
      £221,862
    • Total Interest Payable:
      £78,861.96
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £775.17 and 276 monthly payments of £734.63. The total amount payable would be £221,412 made up of the loan amount plus interest £78,861.96 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS 4.29% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.29% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 24
    • Ongoing Monthly Payments:
      £734.63 x 276
    • Total Amount Payable:
      £221,362
    • Total Interest Payable:
      £78,861.96
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £775.17 and 276 monthly payments of £734.63. The total amount payable would be £221,412 made up of the loan amount plus interest £78,861.96 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • NatWest 4.29% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed to 31/08/2019
  • APRC
    3.90%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    £248
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      4.29% Fixed to 31/08/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 27
    • Ongoing Monthly Payments:
      £735.71 x 273
    • Total Amount Payable:
      £222,526.40
    • Total Interest Payable:
      £79,278.42
    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 4.29% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £775.17 and 273 monthly payments of £735.71. The total amount payable would be £222,076.40 made up of the loan amount plus interest £79,278.42 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.90% APRC representative.

  • Royal Bank of Scotland 4.29% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed to 31/08/2019
  • APRC
    3.90%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    £248
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      4.29% Fixed to 31/08/2019
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 27
    • Ongoing Monthly Payments:
      £735.71 x 273
    • Total Amount Payable:
      £222,526.40
    • Total Interest Payable:
      £79,278.42
    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Sum Repaid
    Royal Bank of Scotland
    Call Royal Bank of Scotland for more information about this mortgage
    Lines are open: Monday - Friday 8am - 8pm / Saturday and Sunday 9am - 4pm (excl. public holidays).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 4.29% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £775.17 and 273 monthly payments of £735.71. The total amount payable would be £222,076.40 made up of the loan amount plus interest £79,278.42 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.90% APRC representative.

  • Yorkshire Bank 4.29% Fixed to 31/07/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.29%
    Fixed to 31/07/2022
  • APRC
    4.60%
  • Monthly Payment
    £775.17
  • Max LTV
    95%
  • Fees
    No Fees
  • See deal + Product Details
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.29% Fixed to 31/07/2022
    • Incentives:
      Free valuation fees
      No arrangement fees
      £250 cashback Max £75K of Mortgage Advance
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £775.17 x 62
    • Ongoing Monthly Payments:
      £802.58 x 238
    • Total Amount Payable:
      £239,019.60
    • Total Interest Payable:
      £96,574.58
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/5/4/3/2% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 62 months at 4.29% and then reverting to our variable rate of 4.70% variable for remaining term. 62 monthly payments of £775.17 and 238 monthly payments of £802.58. The total amount payable would be £239,319.60 made up of the loan amount plus interest £96,574.58 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Virgin Money 4.54% Fixed to 01/09/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.54%
    Fixed to 01/09/2022
  • APRC
    4.50%
  • Monthly Payment
    £795.30
  • Max LTV
    95%
  • Fees
    £163
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £475,000
    • Product Description:
      4.54% Fixed to 01/09/2022
    • Incentives:
      No arrangement fees
      £300 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £795.30 x 64
    • Ongoing Monthly Payments:
      £795.30 x 20
    • Total Amount Payable:
      £235,670.10
    • Total Interest Payable:
      £92,757.12
    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/22: 4% Outstanding Balance
    Virgin Money
    Call Virgin Money for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 64 months at 4.54% and then reverting to our variable rate of 4.54% variable for remaining term. 64 monthly payments of £795.30 and 20 monthly payments of £795.30. The total amount payable would be £235,520.10 made up of the loan amount plus interest £92,757.12 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.50% APRC representative.

  • Halifax 4.64% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    4.64%
    Fixed to 31/08/2019
  • APRC
    4.10%
  • Monthly Payment
    £803.43
  • Max LTV
    95%
  • Fees
    £1,105
  • See deal + Product Details
    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.64% Fixed to 31/08/2019
    • Incentives:
      £1K cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £803.43 x 27
    • Ongoing Monthly Payments:
      £736.88 x 273
    • Total Amount Payable:
      £223,465.80
    • Total Interest Payable:
      £80,360.85
    • Product Fee:
      £790
    • Valuation Fee:
      £315
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 3/2% Mortgage Advance
    Halifax
    Visit Halifax for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 4.64% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £803.43 and 273 monthly payments of £736.88. The total amount payable would be £224,015.80 made up of the loan amount plus interest £80,360.85 and a product fee £790 and valuation fee £315. The overall cost for comparison is 4.10% APRC representative.

  • Halifax 4.64% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    4.64%
    Fixed to 31/08/2019
  • APRC
    4.10%
  • Monthly Payment
    £803.43
  • Max LTV
    95%
  • Fees
    £1,105
  • See deal + Product Details
    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      4.64% Fixed to 31/08/2019
    • Incentives:
      £1K cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £803.43 x 27
    • Ongoing Monthly Payments:
      £736.88 x 273
    • Total Amount Payable:
      £223,465.80
    • Total Interest Payable:
      £80,360.85
    • Product Fee:
      £790
    • Valuation Fee:
      £315
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 3/2% Mortgage Advance
    Halifax
    Visit Halifax for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 4.64% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £803.43 and 273 monthly payments of £736.88. The total amount payable would be £224,015.80 made up of the loan amount plus interest £80,360.85 and a product fee £790 and valuation fee £315. The overall cost for comparison is 4.10% APRC representative.

  • Nationwide BS 4.69% Fixed for 5 years
  • Mortgage Type
    fixed
  • Initial Rate
    4.69%
    Fixed for 5 years
  • APRC
    4.30%
  • Monthly Payment
    £807.51
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.69% Fixed for 5 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £807.51 x 60
    • Ongoing Monthly Payments:
      £743.98 x 240
    • Total Amount Payable:
      £228,504.80
    • Total Interest Payable:
      £84,505.80
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/4/3/2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 60 months at 4.69% and then reverting to our variable rate of 3.74% variable for remaining term. 60 monthly payments of £807.51 and 240 monthly payments of £743.98. The total amount payable would be £228,054.80 made up of the loan amount plus interest £84,505.80 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Nationwide BS 4.69% Fixed for 5 years
  • Mortgage Type
    fixed
  • Initial Rate
    4.69%
    Fixed for 5 years
  • APRC
    4.30%
  • Monthly Payment
    £807.51
  • Max LTV
    95%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.69% Fixed for 5 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £807.51 x 60
    • Ongoing Monthly Payments:
      £743.98 x 240
    • Total Amount Payable:
      £228,004.80
    • Total Interest Payable:
      £84,505.80
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/4/3/2/1% Outstanding Balance
    Nationwide BS
    Visit Nationwide BS for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 60 months at 4.69% and then reverting to our variable rate of 3.74% variable for remaining term. 60 monthly payments of £807.51 and 240 monthly payments of £743.98. The total amount payable would be £228,054.80 made up of the loan amount plus interest £84,505.80 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • NatWest 4.81% Fixed to 31/08/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.81%
    Fixed to 31/08/2022
  • APRC
    4.30%
  • Monthly Payment
    £817.34
  • Max LTV
    95%
  • Fees
    £248
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      4.81% Fixed to 31/08/2022
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £817.34 x 63
    • Ongoing Monthly Payments:
      £746.81 x 237
    • Total Amount Payable:
      £229,234.40
    • Total Interest Payable:
      £85,986.39
    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/22: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 63 months at 4.81% and then reverting to our variable rate of 3.75% variable for remaining term. 63 monthly payments of £817.34 and 237 monthly payments of £746.81. The total amount payable would be £228,784.40 made up of the loan amount plus interest £85,986.39 and a product fee £0 and valuation fee £248. The overall cost for comparison is 4.30% APRC representative.

  • Royal Bank of Scotland 4.81% Fixed to 31/08/2022
  • Mortgage Type
    fixed
  • Initial Rate
    4.81%
    Fixed to 31/08/2022
  • APRC
    4.30%
  • Monthly Payment
    £817.34
  • Max LTV
    95%
  • Fees
    £248
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      4.81% Fixed to 31/08/2022
    • Incentives:
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £817.34 x 63
    • Ongoing Monthly Payments:
      £746.81 x 237
    • Total Amount Payable:
      £229,234.40
    • Total Interest Payable:
      £85,986.39
    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/22: 5/4/3/2/1% Sum Repaid
    Royal Bank of Scotland
    Call Royal Bank of Scotland for more information about this mortgage
    Lines are open: Monday - Friday 8am - 8pm / Saturday and Sunday 9am - 4pm (excl. public holidays).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 63 months at 4.81% and then reverting to our variable rate of 3.75% variable for remaining term. 63 monthly payments of £817.34 and 237 monthly payments of £746.81. The total amount payable would be £228,784.40 made up of the loan amount plus interest £85,986.39 and a product fee £0 and valuation fee £248. The overall cost for comparison is 4.30% APRC representative.

The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 26/05/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 01:33 27/05/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
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More about 95 % mortgages

Houses rarely come cheap. In fact, trying to find a deposit of 20 percent or more in order buy one will seem like a mountain to climb for many first time buyers.

And alas! most deals on the mortgage market will demand that and more.

But having come under pressure to help more young people get on to that first rung of the property ladder, the banks have begun to periodically introduce 95 percent loan-to value ratio (or LTV) offers.

This means you'll need to put up only five percent of the cost of the house as a deposit upfront. Suddenly, the idea of your own bricks and mortar might not seem so farfetched.

You might face a higher interest rate, since you will be seen to be at a higher risk of defaulting, but when there are so many other costs involved in buying your own home and that six figure salary hasn't yet materialised in your young career, you might consider this to be a price worth paying to get your name on the deeds.

With some 95 percent mortgages, the bank will offer you the opportunity to use the backing of a guarantor - such as a parent, grandparent or even, in some cases, the government - who will be liable to meet your monthly repayment if you can't. This could also bring your interest rate down a touch.

Please use our whole of market mortgage comparison to compare all the top brands including RBS Mortgages, NatWest Mortgages, HSBC Mortgages, Santander Mortgages, Yorkshire Building Society Mortgages, Chelsea Building Society Mortgages and The Post Office Mortgages to name a few.

Click here to read our handy guide covering frequently asked questions about mortgages.