Interest Only Mortgages

  • With each monthly mortgage repayment only paying off interest, interest-only mortgages allow home buyers to keep their initial costs down.
  • Compare the latest interest rates, fees and other important features of interest only mortgages in the table below.
  • Or use our powerful mortgage search, including all deals available to brokers and direct deals too.

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The following results are based on a loan to value (LTV) of 60%
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    1.22%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £152.50
  • ERC
    Yes
  • Fees
    £1,805
  • Max LTV
    60%
  • More Info
    Call Direct 0808 178 6691
    Call: 0808 178 6691 + Product Details
  • Call Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Click here to find out more
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      1.22% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £152.50 x 26
    • Ongoing Monthly Payments:
      £530 x 274
    • Total Amount Payable:
      £301,585
    • Total Interest Payable:
      £149,185
    • Fees

    • Product Fee:
      £1,495
    • Valuation Fee:
      £310
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.22% and then reverting to our variable rate of 4.24% tracker for remaining term. 26 monthly payments of £152.50 and 274 monthly payments of £530. The total amount payable would be £301,235 made up of the loan amount plus interest £149,185 and a product fee £1,495 and valuation fee £310. The overall cost for comparison is 4.00% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,996
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £281,046 made up of the loan amount plus interest £129,800 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    75%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    75%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,996
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £281,046 made up of the loan amount plus interest £129,800 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,746
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £280,796 made up of the loan amount plus interest £129,800 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.24%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £155
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    75%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.24% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £155 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £280,996
    • Total Interest Payable:
      £129,800
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.24% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £155 and 272 monthly payments of £461.25. The total amount payable would be £281,046 made up of the loan amount plus interest £129,800 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    1.34%
    Fixed to 31/03/2019
  • APRC
    3.60%
  • Monthly Payment
    £167.50
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      1.34% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £167.50 x 25
    • Ongoing Monthly Payments:
      £467.50 x 275
    • Total Amount Payable:
      £284,679
    • Total Interest Payable:
      £132,750
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2.5/1.2% Mortgage Advance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 1.34% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £167.50 and 275 monthly payments of £467.50. The total amount payable would be £284,229 made up of the loan amount plus interest £132,750 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.60% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.34%
    Fixed to 30/06/2019
  • APRC
    3.50%
  • Monthly Payment
    £167.50
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    80%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £10,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.34% Fixed to 30/06/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £167.50 x 28
    • Ongoing Monthly Payments:
      £461.25 x 272
    • Total Amount Payable:
      £281,346
    • Total Interest Payable:
      £130,150
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 28 months at 1.34% and then reverting to our variable rate of 3.69% variable for remaining term. 28 monthly payments of £167.50 and 272 monthly payments of £461.25. The total amount payable would be £281,396 made up of the loan amount plus interest £130,150 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.60%
  • Monthly Payment
    £173.75
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £173.75 x 25
    • Ongoing Monthly Payments:
      £467.50 x 275
    • Total Amount Payable:
      £284,835.20
    • Total Interest Payable:
      £132,906.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2.5/1.3% Mortgage Advance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 1.39% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £173.75 and 275 monthly payments of £467.50. The total amount payable would be £284,385.20 made up of the loan amount plus interest £132,906.20 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.60% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £176.25
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    70%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £176.25 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,763
    • Total Interest Payable:
      £133,020
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £176.25 and 274 monthly payments of £468.75. The total amount payable would be £284,313 made up of the loan amount plus interest £133,020 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £176.25
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £176.25 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,763
    • Total Interest Payable:
      £133,020
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £176.25 and 274 monthly payments of £468.75. The total amount payable would be £284,313 made up of the loan amount plus interest £133,020 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £176.25
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    60%
  • Call Direct 0800 096 7446
    Call: 0800 096 7446 + Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    • RBS say yes to 9 out of 10 mortgage applications
    • 5% deposit mortgages available with the Government backed Help to Buy scheme
    • Whatever your needs, they have a mortgage to suit.
    • They'll help you every step of the way.
    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.
    • Summary

    • 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:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £176.25 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,763
    • Total Interest Payable:
      £133,020
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £176.25 and 274 monthly payments of £468.75. The total amount payable would be £284,313 made up of the loan amount plus interest £133,020 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £176.25
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    70%
  • Call Direct 0800 096 7446
    Call: 0800 096 7446 + Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    • RBS say yes to 9 out of 10 mortgage applications
    • 5% deposit mortgages available with the Government backed Help to Buy scheme
    • Whatever your needs, they have a mortgage to suit.
    • They'll help you every step of the way.
    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.
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £176.25 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,763
    • Total Interest Payable:
      £133,020
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £176.25 and 274 monthly payments of £468.75. The total amount payable would be £284,313 made up of the loan amount plus interest £133,020 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.42%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £177.50
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.42% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £177.50 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,795.50
    • Total Interest Payable:
      £133,052.50
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.42% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £177.50 and 274 monthly payments of £468.75. The total amount payable would be £284,345.50 made up of the loan amount plus interest £133,052.50 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.42%
    Fixed to 30/04/2019
  • APRC
    3.60%
  • Monthly Payment
    £177.50
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    75%
  • Call Direct 0800 096 7446
    Call: 0800 096 7446 + Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    • RBS say yes to 9 out of 10 mortgage applications
    • 5% deposit mortgages available with the Government backed Help to Buy scheme
    • Whatever your needs, they have a mortgage to suit.
    • They'll help you every step of the way.
    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.
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.42% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £177.50 x 26
    • Ongoing Monthly Payments:
      £468.75 x 274
    • Total Amount Payable:
      £284,795.50
    • Total Interest Payable:
      £133,052.50
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.42% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £177.50 and 274 monthly payments of £468.75. The total amount payable would be £284,345.50 made up of the loan amount plus interest £133,052.50 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.60% APRC representative.

  • Halifax
  • Mortgage Type
    tracker
  • Initial Rate
    1.44%
    Variable to 31/03/2019
  • APRC
    3.60%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Variable to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 25
    • Ongoing Monthly Payments:
      £467.50 x 275
    • Total Amount Payable:
      £284,991.50
    • Total Interest Payable:
      £133,062.50
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2.75/1.5% Mortgage Advance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 25 months at 1.44% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £180 and 275 monthly payments of £467.50. The total amount payable would be £284,541.50 made up of the loan amount plus interest £133,062.50 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.60% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.44% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,321
    • Total Interest Payable:
      £127,125
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £180 and 260 monthly payments of £461.25. The total amount payable would be £278,371 made up of the loan amount plus interest £127,125 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.44% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,071
    • Total Interest Payable:
      £127,125
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £180 and 260 monthly payments of £461.25. The total amount payable would be £278,121 made up of the loan amount plus interest £127,125 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.44% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,071
    • Total Interest Payable:
      £127,125
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £180 and 260 monthly payments of £461.25. The total amount payable would be £278,121 made up of the loan amount plus interest £127,125 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 30/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £495
  • Max LTV
    60%
  • More Info
    Call Direct 0808 178 6691
    Call: 0808 178 6691 + Product Details
  • Call Post Office Money® for more information about this mortgage
    8.30am - 7:30pm, Mon-Fri, 9am - 1:30pm, Sat, Closed Sun and bank holidays.
    Click here to find out more
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      1.44% Fixed to 30/04/2019
    • Incentives:
      Free valuation fees
      free legal fees Remortgages
      free valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 26
    • Ongoing Monthly Payments:
      £530 x 274
    • Total Amount Payable:
      £300,590
    • Total Interest Payable:
      £149,900
    • Fees

    • Product Fee:
      £495
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.44% and then reverting to our variable rate of 4.24% tracker for remaining term. 26 monthly payments of £180 and 274 monthly payments of £530. The total amount payable would be £300,640 made up of the loan amount plus interest £149,900 and a product fee £495 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Virgin Money
  • Mortgage Type
    tracker
  • Initial Rate
    1.44%
    Variable to 01/05/2019
  • APRC
    4.10%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £995
  • Max LTV
    65%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.44% Variable to 01/05/2019
    • Incentives:
      Free valuation fees
      free legal fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 27
    • Ongoing Monthly Payments:
      £567.50 x 57
    • Total Amount Payable:
      £304,082.50
    • Total Interest Payable:
      £153,037.50
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/19: 1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 27 months at 1.44% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £180 and 57 monthly payments of £567.50. The total amount payable would be £304,267.50 made up of the loan amount plus interest £153,037.50 and a product fee £995 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 01/05/2019
  • APRC
    4.10%
  • Monthly Payment
    £180
  • ERC
    Yes
  • Fees
    £995
  • Max LTV
    65%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.44% Fixed to 01/05/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £300 cashback House Purchase,First Time Buyers
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £180 x 27
    • Ongoing Monthly Payments:
      £567.50 x 57
    • Total Amount Payable:
      £303,782.50
    • Total Interest Payable:
      £153,037.50
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/5/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.44% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £180 and 57 monthly payments of £567.50. The total amount payable would be £304,132.50 made up of the loan amount plus interest £153,037.50 and a product fee £995 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Halifax
  • Mortgage Type
    tracker
  • Initial Rate
    1.49%
    Variable to 31/03/2019
  • APRC
    3.60%
  • Monthly Payment
    £186.25
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      1.49% Variable to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £186.25 x 25
    • Ongoing Monthly Payments:
      £467.50 x 275
    • Total Amount Payable:
      £285,147.80
    • Total Interest Payable:
      £133,218.80
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2.75/1.5% Mortgage Advance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 25 months at 1.49% and then reverting to our variable rate of 3.74% variable for remaining term. 25 monthly payments of £186.25 and 275 monthly payments of £467.50. The total amount payable would be £284,697.80 made up of the loan amount plus interest £133,218.80 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.60% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.49%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £186.25
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.49% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £186.25 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,571
    • Total Interest Payable:
      £127,375
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.49% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £186.25 and 260 monthly payments of £461.25. The total amount payable would be £278,621 made up of the loan amount plus interest £127,375 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.49%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £186.25
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.49% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £186.25 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,321
    • Total Interest Payable:
      £127,375
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.49% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £186.25 and 260 monthly payments of £461.25. The total amount payable would be £278,371 made up of the loan amount plus interest £127,375 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.49%
    Fixed to 30/06/2020
  • APRC
    3.40%
  • Monthly Payment
    £186.25
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • 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.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.49% Fixed to 30/06/2020
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £186.25 x 40
    • Ongoing Monthly Payments:
      £461.25 x 260
    • Total Amount Payable:
      £278,321
    • Total Interest Payable:
      £127,375
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 40 months at 1.49% and then reverting to our variable rate of 3.69% variable for remaining term. 40 monthly payments of £186.25 and 260 monthly payments of £461.25. The total amount payable would be £278,371 made up of the loan amount plus interest £127,375 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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, 22/02/2017.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, 00:21 23/02/2017.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.

More about interest only mortgages

If you're looking to get a head start on the housing ladder, or keep your costs low for a while, an interest only deal on your mortgage could be a very favourable arrangement. Instead of paying off a small chunk of your total debt each month, your costs will be limited to only the interest that has been accrued at that point. This could see your monthly outgoings reduced dramatically, especially when lending rates are low.

Typically, the interest only period will last from one to five years, during which time you'll be on a fixed or tracker interest rate, but you can sometimes find one for the entire term.

There are a number of reasons why it might be the best option. It could be that you are facing other expenses, such as starting your own business or saving for a life pursuit. Perhaps you can't be certain that you will be able to sustain your usual level of income for a time or maybe you have a found a place where your money can work harder for you than by paying off your home loan.

It does mean, of course, that by the end of the interest only period you will still owe the lender the same amount that you did to begin with. And if you reach the end of the mortgage and don't have other means to cover your shortfall, you could risk having your home repossessed. As such, you shouldn't look to rely on things like property prices going up or an uncertain windfall as justification for an interest only mortgage.

There is also a possibility that you could fall into negative equity with an interest only mortgage, owing more money than your house is worth, if the market slumps. Consider your options carefully.

Learn more about different types of mortgage with Know Your Money's guide.