Buy to Let Mortgages

  • Buy-to-let mortgages are designed specifically for property investors purchasing a property for the rental market.
  • Buy-to-let products include all the usual mortgage types such as fixed rate and tracker rate.
  • You can compare buy-to-let mortgage products available in the UK in the table below.

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  • Suitable for all kinds of landlords, from those just starting out to those looking to expand their portfolio
  • Dedicated team of specialists to help find the right mortgage for your circumstances
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IF YOU FAIL TO KEEP UP THE PAYMENTS ON YOUR MORTGAGE A “RECEIVER OF RENT” MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED.
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 60%
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  • Virgin Money 1.54% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.54%
    Fixed to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £192.50
  • Max LTV
    60%
  • Fees
    £2,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.54% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £192.50 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £318,709
    • Total Interest Payable:
      £166,550
    • Product Fee:
      £1,995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.54% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £192.50 and 272 monthly payments of £592.50. The total amount payable would be £318,859 made up of the loan amount plus interest £166,550 and a product fee £1,995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 1.69% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £211.25
  • Max LTV
    60%
  • Fees
    £2,196
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.69% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £211.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £320,011
    • Total Interest Payable:
      £167,415
    • Product Fee:
      £1,999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.69% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £211.25 and 272 monthly payments of £593.75. The total amount payable would be £319,661 made up of the loan amount plus interest £167,415 and a product fee £1,999 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 1.69% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £211.25
  • Max LTV
    60%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.69% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £211.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £319,809
    • Total Interest Payable:
      £167,415
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.69% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £211.25 and 272 monthly payments of £593.75. The total amount payable would be £319,459 made up of the loan amount plus interest £167,415 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 1.69% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £211.25
  • Max LTV
    60%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.69% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £211.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £319,809
    • Total Interest Payable:
      £167,415
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.69% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £211.25 and 272 monthly payments of £593.75. The total amount payable would be £319,459 made up of the loan amount plus interest £167,415 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 1.74% Variable to 01/09/2019
  • Mortgage Type
    tracker
  • Initial Rate
    1.74%
    Variable to 01/09/2019
  • APRC
    4.40%
  • Monthly Payment
    £217.50
  • Max LTV
    60%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.74% Variable to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £217.50 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £318,409
    • Total Interest Payable:
      £167,250
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1% 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 £150,000 payable over 25 years initially on a tracker rate for 28 months at 1.74% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £217.50 and 272 monthly payments of £592.50. The total amount payable would be £318,559 made up of the loan amount plus interest £167,250 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.40% APRC representative.

  • Virgin Money 1.74% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.74%
    Fixed to 01/09/2019
  • APRC
    4.40%
  • Monthly Payment
    £217.50
  • Max LTV
    60%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.74% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £217.50 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £318,409
    • Total Interest Payable:
      £167,250
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.74% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £217.50 and 272 monthly payments of £592.50. The total amount payable would be £318,559 made up of the loan amount plus interest £167,250 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.40% APRC representative.

  • NatWest 1.82% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.82%
    Fixed to 31/08/2019
  • APRC
    4.10%
  • Monthly Payment
    £227.50
  • Max LTV
    60%
  • Fees
    £2,243
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.82% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £227.50 x 27
    • Ongoing Monthly Payments:
      £531.25 x 273
    • Total Amount Payable:
      £303,916.80
    • Total Interest Payable:
      £151,173.80
    • Product Fee:
      £1,995
    • 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 £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.82% and then reverting to our variable rate of 4.25% variable for remaining term. 27 monthly payments of £227.50 and 273 monthly payments of £531.25. The total amount payable would be £303,466.80 made up of the loan amount plus interest £151,173.80 and a product fee £1,995 and valuation fee £248. The overall cost for comparison is 4.10% APRC representative.

  • Royal Bank of Scotland 1.82% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.82%
    Fixed to 31/08/2019
  • APRC
    3.60%
  • Monthly Payment
    £227.50
  • Max LTV
    60%
  • Fees
    £2,243
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.82% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £227.50 x 27
    • Ongoing Monthly Payments:
      £468.75 x 273
    • Total Amount Payable:
      £286,854.20
    • Total Interest Payable:
      £134,111.20
    • Product Fee:
      £1,995
    • 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 £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.82% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £227.50 and 273 monthly payments of £468.75. The total amount payable would be £286,404.20 made up of the loan amount plus interest £134,111.20 and a product fee £1,995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Virgin Money 1.84% Variable to 01/09/2019
  • Mortgage Type
    tracker
  • Initial Rate
    1.84%
    Variable to 01/09/2019
  • APRC
    4.60%
  • Monthly Payment
    £230
  • Max LTV
    60%
  • Fees
    £3,964
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.84% Variable to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £230 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £321,514
    • Total Interest Payable:
      £167,600
    • Product Fee:
      £3,750
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1% 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 £150,000 payable over 25 years initially on a tracker rate for 28 months at 1.84% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £230 and 272 monthly payments of £592.50. The total amount payable would be £321,664 made up of the loan amount plus interest £167,600 and a product fee £3,750 and valuation fee £214. The overall cost for comparison is 4.60% APRC representative.

  • NatWest 1.88% Variable to 31/08/2019
  • Mortgage Type
    tracker
  • Initial Rate
    1.88%
    Variable to 31/08/2019
  • APRC
    4.10%
  • Monthly Payment
    £235
  • Max LTV
    60%
  • Fees
    £1,995
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.88% Variable to 31/08/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £235 x 27
    • Ongoing Monthly Payments:
      £531.25 x 273
    • Total Amount Payable:
      £303,371.20
    • Total Interest Payable:
      £151,376.20
    • Product Fee:
      £1,995
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 1/0.5% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 27 months at 1.88% and then reverting to our variable rate of 4.25% variable for remaining term. 27 monthly payments of £235 and 273 monthly payments of £531.25. The total amount payable would be £303,421.20 made up of the loan amount plus interest £151,376.20 and a product fee £1,995 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Royal Bank of Scotland 1.88% Variable to 31/08/2019
  • Mortgage Type
    tracker
  • Initial Rate
    1.88%
    Variable to 31/08/2019
  • APRC
    3.60%
  • Monthly Payment
    £235
  • Max LTV
    60%
  • Fees
    £1,995
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.88% Variable to 31/08/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £235 x 27
    • Ongoing Monthly Payments:
      £468.75 x 273
    • Total Amount Payable:
      £286,308.80
    • Total Interest Payable:
      £134,313.80
    • Product Fee:
      £1,995
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 1/0.5% 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 £150,000 payable over 25 years initially on a tracker rate for 27 months at 1.88% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £235 and 273 monthly payments of £468.75. The total amount payable would be £286,358.80 made up of the loan amount plus interest £134,313.80 and a product fee £1,995 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • HSBC 1.89% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £236.25
  • Max LTV
    65%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.89% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £236.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £320,509
    • Total Interest Payable:
      £168,115
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.89% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £236.25 and 272 monthly payments of £593.75. The total amount payable would be £320,159 made up of the loan amount plus interest £168,115 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 1.89% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £236.25
  • Max LTV
    65%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.89% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £236.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £320,509
    • Total Interest Payable:
      £168,115
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.89% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £236.25 and 272 monthly payments of £593.75. The total amount payable would be £320,159 made up of the loan amount plus interest £168,115 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 1.89% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £236.25
  • Max LTV
    65%
  • Fees
    £2,196
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.89% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £236.25 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £320,711
    • Total Interest Payable:
      £168,115
    • Product Fee:
      £1,999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.89% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £236.25 and 272 monthly payments of £593.75. The total amount payable would be £320,361 made up of the loan amount plus interest £168,115 and a product fee £1,999 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 1.94% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.94%
    Fixed to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £242.50
  • Max LTV
    70%
  • Fees
    £2,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.94% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £242.50 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £320,109
    • Total Interest Payable:
      £167,950
    • Product Fee:
      £1,995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.94% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £242.50 and 272 monthly payments of £592.50. The total amount payable would be £320,259 made up of the loan amount plus interest £167,950 and a product fee £1,995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • NatWest 1.99% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 31/08/2019
  • APRC
    4.10%
  • Monthly Payment
    £248.75
  • Max LTV
    60%
  • Fees
    £1,995
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.99% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £248.75 x 27
    • Ongoing Monthly Payments:
      £531.25 x 273
    • Total Amount Payable:
      £303,742.50
    • Total Interest Payable:
      £151,747.50
    • Product Fee:
      £1,995
    • Valuation Fee:
      Free
    • 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 £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.99% and then reverting to our variable rate of 4.25% variable for remaining term. 27 monthly payments of £248.75 and 273 monthly payments of £531.25. The total amount payable would be £303,927.50 made up of the loan amount plus interest £151,747.50 and a product fee £1,995 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Royal Bank of Scotland 1.99% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 31/08/2019
  • APRC
    3.70%
  • Monthly Payment
    £248.75
  • Max LTV
    60%
  • Fees
    £1,995
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.99% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £248.75 x 27
    • Ongoing Monthly Payments:
      £468.75 x 273
    • Total Amount Payable:
      £286,680
    • Total Interest Payable:
      £134,685
    • Product Fee:
      £1,995
    • Valuation Fee:
      Free
    • 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 £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.99% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £248.75 and 273 monthly payments of £468.75. The total amount payable would be £286,865 made up of the loan amount plus interest £134,685 and a product fee £1,995 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • Virgin Money 1.99% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £248.75
  • Max LTV
    75%
  • Fees
    £2,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.99% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £248.75 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £320,284
    • Total Interest Payable:
      £168,125
    • Product Fee:
      £1,995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.99% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £248.75 and 272 monthly payments of £592.50. The total amount payable would be £320,434 made up of the loan amount plus interest £168,125 and a product fee £1,995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.04% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.04%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £255
  • Max LTV
    75%
  • Fees
    £2,196
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.04% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £255 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £321,236
    • Total Interest Payable:
      £168,640
    • Product Fee:
      £1,999
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.04% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £255 and 272 monthly payments of £593.75. The total amount payable would be £320,886 made up of the loan amount plus interest £168,640 and a product fee £1,999 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.04% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.04%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £255
  • Max LTV
    75%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.04% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £255 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £321,034
    • Total Interest Payable:
      £168,640
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.04% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £255 and 272 monthly payments of £593.75. The total amount payable would be £320,684 made up of the loan amount plus interest £168,640 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.04% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.04%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £255
  • Max LTV
    75%
  • Fees
    £1,994
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.04% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £255 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £321,034
    • Total Interest Payable:
      £168,640
    • Product Fee:
      £1,797
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.04% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £255 and 272 monthly payments of £593.75. The total amount payable would be £320,684 made up of the loan amount plus interest £168,640 and a product fee £1,797 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 2.09% Variable to 01/09/2019
  • Mortgage Type
    tracker
  • Initial Rate
    2.09%
    Variable to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £261.25
  • Max LTV
    70%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.09% Variable to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £261.25 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £319,634
    • Total Interest Payable:
      £168,475
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1% 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 £150,000 payable over 25 years initially on a tracker rate for 28 months at 2.09% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £261.25 and 272 monthly payments of £592.50. The total amount payable would be £319,784 made up of the loan amount plus interest £168,475 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 2.18% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.18%
    Fixed to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £272.50
  • Max LTV
    70%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.18% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £272.50 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £319,949
    • Total Interest Payable:
      £168,790
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.18% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £272.50 and 272 monthly payments of £592.50. The total amount payable would be £320,099 made up of the loan amount plus interest £168,790 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.19% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.19%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £273.75
  • Max LTV
    60%
  • Fees
    £296
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.19% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £273.75 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £319,861
    • Total Interest Payable:
      £169,165
    • Product Fee:
      £99
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.19% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £273.75 and 272 monthly payments of £593.75. The total amount payable would be £319,511 made up of the loan amount plus interest £169,165 and a product fee £99 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.19% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.19%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £273.75
  • Max LTV
    60%
  • Fees
    £296
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.19% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £273.75 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £319,861
    • Total Interest Payable:
      £169,165
    • Product Fee:
      £99
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.19% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £273.75 and 272 monthly payments of £593.75. The total amount payable would be £319,511 made up of the loan amount plus interest £169,165 and a product fee £99 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • HSBC 2.19% Fixed to 30/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.19%
    Fixed to 30/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £273.75
  • Max LTV
    60%
  • Fees
    £546
  • + Product Details
    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      2.19% Fixed to 30/09/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £273.75 x 28
    • Ongoing Monthly Payments:
      £593.75 x 272
    • Total Amount Payable:
      £320,111
    • Total Interest Payable:
      £169,165
    • Product Fee:
      £349
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/9/19: 2/1% Sum Repaid
    HSBC
    Call HSBC for more information about this mortgage
    Lines are 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.
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.19% and then reverting to our variable rate of 4.75% variable for remaining term. 28 monthly payments of £273.75 and 272 monthly payments of £593.75. The total amount payable would be £319,761 made up of the loan amount plus interest £169,165 and a product fee £349 and valuation fee £197. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 2.19% Variable to 01/09/2019
  • Mortgage Type
    tracker
  • Initial Rate
    2.19%
    Variable to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £273.75
  • Max LTV
    75%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.19% Variable to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £273.75 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £319,984
    • Total Interest Payable:
      £168,825
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1% 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 £150,000 payable over 25 years initially on a tracker rate for 28 months at 2.19% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £273.75 and 272 monthly payments of £592.50. The total amount payable would be £320,134 made up of the loan amount plus interest £168,825 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 2.19% Fixed to 01/09/2019
  • Mortgage Type
    fixed
  • Initial Rate
    2.19%
    Fixed to 01/09/2019
  • APRC
    4.50%
  • Monthly Payment
    £273.75
  • Max LTV
    75%
  • Fees
    £1,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.19% Fixed to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £273.75 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £319,984
    • Total Interest Payable:
      £168,825
    • Product Fee:
      £995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 28 months at 2.19% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £273.75 and 272 monthly payments of £592.50. The total amount payable would be £320,134 made up of the loan amount plus interest £168,825 and a product fee £995 and valuation fee £214. The overall cost for comparison is 4.50% APRC representative.

  • Virgin Money 2.24% Variable to 01/09/2019
  • Mortgage Type
    tracker
  • Initial Rate
    2.24%
    Variable to 01/09/2019
  • APRC
    4.60%
  • Monthly Payment
    £280
  • Max LTV
    70%
  • Fees
    £3,964
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.24% Variable to 01/09/2019
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £280 x 28
    • Ongoing Monthly Payments:
      £592.50 x 272
    • Total Amount Payable:
      £322,914
    • Total Interest Payable:
      £169,000
    • Product Fee:
      £3,750
    • Valuation Fee:
      £214
    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/9/19: 1% 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 £150,000 payable over 25 years initially on a tracker rate for 28 months at 2.24% and then reverting to our variable rate of 4.74% variable for remaining term. 28 monthly payments of £280 and 272 monthly payments of £592.50. The total amount payable would be £323,064 made up of the loan amount plus interest £169,000 and a product fee £3,750 and valuation fee £214. The overall cost for comparison is 4.60% APRC representative.

  • Virgin Money 2.29% Fixed to 01/09/2020
  • Mortgage Type
    fixed
  • Initial Rate
    2.29%
    Fixed to 01/09/2020
  • APRC
    4.40%
  • Monthly Payment
    £286.25
  • Max LTV
    60%
  • Fees
    £2,209
  • See deal + Product Details
    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      2.29% Fixed to 01/09/2020
    • Incentives:
      £500 cashback
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £286.25 x 40
    • Ongoing Monthly Payments:
      £592.50 x 260
    • Total Amount Payable:
      £317,659
    • Total Interest Payable:
      £165,500
    • Product Fee:
      £1,995
    • Valuation Fee:
      £214
    • 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 £150,000 payable over 25 years initially on a fixed rate for 40 months at 2.29% and then reverting to our variable rate of 4.74% variable for remaining term. 40 monthly payments of £286.25 and 260 monthly payments of £592.50. The total amount payable would be £317,809 made up of the loan amount plus interest £165,500 and a product fee £1,995 and valuation fee £214. The overall cost for comparison is 4.40% APRC representative.

The above results are based on a interest only mortgage of £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% 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 interest only mortgage of £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% 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, 01:35 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 buy to let mortgages

Buy to Let Mortgages FAQs

What is a buy to let mortgage?

A buy to let mortgage is a mortgage on a property which you rent out to a tenant rather than live in yourself.

Are buy to let mortgages more expensive than residential mortgages?

Yes buy to let mortgages tend to have a higher rate than residential mortgages.

What criteria must I meet to take out a buy to let mortgage?

Along with the general criteria all mortgage lenders require, including having a good credit score and being within the lender's age limits, to take out a buy to let mortgage you'll usually need at least a 25% deposit. A number of lenders will also require you to own your own home (or have a residential mortgage on a property).

How much can I borrow with a buy to let mortgage?

The amount you can borrow will depend largely upon how much you're able to rent the property out for. As such, it's essential that you research the rental market in the area in which you're buying before making a purchase. Lenders will also look at your credit score and your outgoings.

Do I need a larger deposit to take out a buy to let mortgage?

Most mortgage lenders will require a deposit of at least 25% of the property value to take out a buy to let mortgage.

Do I need to own my home to take out a buy to let mortgage?

While most lenders would want you to have your own home before taking out a buy to let mortgage, it is possible to get a buy-to-let mortgage as a first time buyer. Your choice of products will be reduced however and you may be deemed a higher risk and have to stump up a higher deposit as a result.

What fees will I pay for a buy to let mortgage?

Just like with residential mortgages the main fees that apply to buy to let mortgages are booking fees, arrangement fees, valuation fees and legal fees - although not all fees apply to all products. Be warned however that some buy to let mortgages feature a higher arrangement fee than residential mortgages.

You'll also pay a CHAPS fee to your lender for transferring the funds to your solicitor. This is usually no more than £50.

What is a rental yield?

The rental yield is the income you make from renting the property out and is presented as a percentage of your property value. For example, if the property costs £100,000 and you rent it out for £10,000 per annum your rental yield is 10%.

What is a rental coverage requirement?

A rental coverage requirement is the minimum amount of rent you have to be able to achieve each month to obtain a mortgage. It is set as a percentage of the monthly mortgage repayments. Each lender will have their own rental coverage requirements but the industry average is between 125% and 145% meaning you have to be able to secure up to 45% more than your monthly mortgage repayment in rent to get the loan.

What are the benefits of a buy to let mortgage?

If you want to invest in property and can't afford to buy it outright, then a buy to let mortgage is your only option. Rental properties can provide an income and/or grow in value, but it is important to fully research the rental market and be prepared for long term investment.

What potential downsides should I be aware of?

Higher tax charges can apply to rental properties including higher Stamp Duty surcharges that those of residential homes. You should also consider what you will do if you struggle to rent out the property or have a long period with no tenants. When working out your budget be sure to factor in the costs involved with running a property, including letting agent costs, maintenance costs, etc.

How can I compare buy to let mortgages?

Buy to let mortgages are more complex than residential loans so it's important you're given all of the figures and facts clearly and concisely. Know Your Money's free to use comparison tables allow you to sort buy to let mortgages by rate, fees and overall cost to give you the clearest view of what's on offer.