Low Deposit Mortgages

  • Featuring a Loan to Value (LTV) of 95% or higher, low deposit mortgages are ideal for people with limited savings.
  • Compare the latest interest rates, fees and other important features of low deposit 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 95%.
  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.59%
    Variable for 2 years
  • APRC
    3.80%
  • Monthly Payment
    £720.29
  • ERC
    No
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.59% Variable for 2 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £720.29 x 24
    • Ongoing Monthly Payments:
      £731.08 x 276
    • Total Amount Payable:
      £220,564
    • Total Interest Payable:
      £76,565.04
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £720.29 and 276 monthly payments of £731.08. The total amount payable would be £220,114 made up of the loan amount plus interest £76,565.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.59%
    Variable for 2 years
  • APRC
    3.80%
  • Monthly Payment
    £720.29
  • ERC
    No
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.59% Variable for 2 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £720.29 x 24
    • Ongoing Monthly Payments:
      £731.08 x 276
    • Total Amount Payable:
      £220,064
    • Total Interest Payable:
      £76,565.04
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.59% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £720.29 and 276 monthly payments of £731.08. The total amount payable would be £220,114 made up of the loan amount plus interest £76,565.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.64%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £724.13
  • ERC
    Yes
  • Fees
    £810
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.64% Fixed to 30/11/2018
    • Incentives:
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £724.13 x 26
    • Ongoing Monthly Payments:
      £731.30 x 274
    • Total Amount Payable:
      £220,013.60
    • Total Interest Payable:
      £76,703.58
    • Fees

    • Product Fee:
      £495
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.64% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £724.13 and 274 monthly payments of £731.30. The total amount payable would be £220,063.60 made up of the loan amount plus interest £76,703.58 and a product fee £495 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.64%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £724.13
  • ERC
    Yes
  • Fees
    £810
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.64% Fixed to 30/11/2018
    • Incentives:
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £724.13 x 26
    • Ongoing Monthly Payments:
      £731.30 x 274
    • Total Amount Payable:
      £220,013.60
    • Total Interest Payable:
      £76,703.58
    • Fees

    • Product Fee:
      £495
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.64% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £724.13 and 274 monthly payments of £731.30. The total amount payable would be £220,063.60 made up of the loan amount plus interest £76,703.58 and a product fee £495 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed to 31/12/2018
  • APRC
    3.80%
  • Monthly Payment
    £727.99
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      3.69% Fixed to 31/12/2018
    • Incentives:
      No arrangement fees.
      free valuation fees.
      free valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £727.99 x 27
    • Ongoing Monthly Payments:
      £727.99 x 273
    • Total Amount Payable:
      £218,897
    • Total Interest Payable:
      £75,897
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/18: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.69% and then reverting to our variable rate of 3.69% variable for remaining term. 27 monthly payments of £727.99 and 273 monthly payments of £727.99. The total amount payable would be £218,447 made up of the loan amount plus interest £75,897 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.80% APRC representative.

  • Virgin Money
  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    3.75%
    Fixed to 01/11/2018
  • APRC
    4.40%
  • Monthly Payment
    £732.64
  • ERC
    Yes
  • Fees
    £163
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £475,000
    • Product Description:
      3.75% Fixed to 01/11/2018
    • Incentives:
      No arrangement fees.
      £300 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £732.64 x 26
    • Ongoing Monthly Payments:
      £790.70 x 58
    • Total Amount Payable:
      £232,800
    • Total Interest Payable:
      £89,887
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/11/18: 2.5% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.75% and then reverting to our variable rate of 4.54% variable for remaining term. 26 monthly payments of £732.64 and 58 monthly payments of £790.70. The total amount payable would be £232,650 made up of the loan amount plus interest £89,887 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.40% APRC representative.

  • Only available via a broker
  • Halifax
  • Mortgage Type
    fixed
  • Only available via a broker
  • Initial Rate
    3.79%
    Fixed to 31/12/2018
  • APRC
    3.80%
  • Monthly Payment
    £735.74
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.79% Fixed to 31/12/2018
    • Incentives:
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £735.74 x 27
    • Ongoing Monthly Payments:
      £732.15 x 273
    • Total Amount Payable:
      £220,556.90
    • Total Interest Payable:
      £77,241.93
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £735.74 and 273 monthly payments of £732.15. The total amount payable would be £220,106.90 made up of the loan amount plus interest £77,241.93 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.79%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £735.74
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.79% Fixed for 2 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £735.74 x 24
    • Ongoing Monthly Payments:
      £732.12 x 276
    • Total Amount Payable:
      £221,221.90
    • Total Interest Payable:
      £77,222.88
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £735.74 and 276 monthly payments of £732.12. The total amount payable would be £220,771.90 made up of the loan amount plus interest £77,222.88 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.79%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £735.74
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      3.79% Fixed for 2 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £735.74 x 24
    • Ongoing Monthly Payments:
      £732.12 x 276
    • Total Amount Payable:
      £220,721.90
    • Total Interest Payable:
      £77,222.88
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 3.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £735.74 and 276 monthly payments of £732.12. The total amount payable would be £220,771.90 made up of the loan amount plus interest £77,222.88 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • NatWest
  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    3.81%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £737.30
  • ERC
    Yes
  • Fees
    £248
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      3.81% Fixed to 30/11/2018
    • Incentives:
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £737.30 x 26
    • Ongoing Monthly Payments:
      £732.97 x 274
    • Total Amount Payable:
      £220,751.60
    • Total Interest Payable:
      £77,503.58
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.81% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £737.30 and 274 monthly payments of £732.97. The total amount payable would be £220,301.60 made up of the loan amount plus interest £77,503.58 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.80% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    3.81%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £737.30
  • ERC
    Yes
  • Fees
    £248
  • Max LTV
    95%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £570,000
    • Product Description:
      3.81% Fixed to 30/11/2018
    • Incentives:
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £737.30 x 26
    • Ongoing Monthly Payments:
      £732.97 x 274
    • Total Amount Payable:
      £220,751.60
    • Total Interest Payable:
      £77,503.58
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 2/1% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.81% and then reverting to our variable rate of 3.75% variable for remaining term. 26 monthly payments of £737.30 and 274 monthly payments of £732.97. The total amount payable would be £220,301.60 made up of the loan amount plus interest £77,503.58 and a product fee £0 and valuation fee £248. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.84%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £739.64
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.84% Fixed to 30/11/2018
    • Incentives:
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £739.64 x 26
    • Ongoing Monthly Payments:
      £732.42 x 274
    • Total Amount Payable:
      £220,228.70
    • Total Interest Payable:
      £77,413.72
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.84% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £739.64 and 274 monthly payments of £732.42. The total amount payable would be £220,278.70 made up of the loan amount plus interest £77,413.72 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.84%
    Fixed to 30/11/2018
  • APRC
    3.80%
  • Monthly Payment
    £739.64
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.84% Fixed to 30/11/2018
    • Incentives:
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £739.64 x 26
    • Ongoing Monthly Payments:
      £732.42 x 274
    • Total Amount Payable:
      £220,228.70
    • Total Interest Payable:
      £77,413.72
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.84% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £739.64 and 274 monthly payments of £732.42. The total amount payable would be £220,278.70 made up of the loan amount plus interest £77,413.72 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.80% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    3.84%
    Fixed to 30/11/2018
  • APRC
    3.90%
  • Monthly Payment
    £739.64
  • ERC
    Yes
  • Fees
    £810
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.84% Fixed to 30/11/2018
    • Incentives:
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £739.64 x 26
    • Ongoing Monthly Payments:
      £732.42 x 274
    • Total Amount Payable:
      £220,723.70
    • Total Interest Payable:
      £77,413.72
    • Fees

    • Product Fee:
      £495
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.84% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £739.64 and 274 monthly payments of £732.42. The total amount payable would be £220,773.70 made up of the loan amount plus interest £77,413.72 and a product fee £495 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Only available via a broker
  • Halifax
  • Mortgage Type
    fixed
  • Only available via a broker
  • Initial Rate
    3.84%
    Fixed to 31/12/2018
  • APRC
    3.90%
  • Monthly Payment
    £739.64
  • ERC
    Yes
  • Fees
    £315
  • Max LTV
    95%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      3.84% Fixed to 31/12/2018
    • Incentives:
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £739.64 x 27
    • Ongoing Monthly Payments:
      £732.44 x 273
    • Total Amount Payable:
      £220,241.40
    • Total Interest Payable:
      £77,426.40
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/18: 3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 27 months at 3.84% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £739.64 and 273 monthly payments of £732.44. The total amount payable would be £220,291.40 made up of the loan amount plus interest £77,426.40 and a product fee £0 and valuation fee £315. The overall cost for comparison is 3.90% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 30/11/2018
  • APRC
    4.30%
  • Monthly Payment
    £743.54
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      3.89% Fixed to 30/11/2018
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £743.54 x 26
    • Ongoing Monthly Payments:
      £769.18 x 274
    • Total Amount Payable:
      £230,372.40
    • Total Interest Payable:
      £87,587.36
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £90
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/18: 3/2% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 3.89% and then reverting to our tracker rate of 4.24% tracker for remaining term. 26 monthly payments of £743.54 and 274 monthly payments of £769.18. The total amount payable would be £230,422.40 made up of the loan amount plus interest £87,587.36 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.30% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 30/11/2019
  • APRC
    4.60%
  • Monthly Payment
    £751.38
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Fixed to 30/11/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £250 cashback On Completion Min £75K of Mortgage Advance.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 38
    • Ongoing Monthly Payments:
      £802.26 x 262
    • Total Amount Payable:
      £239,189.60
    • Total Interest Payable:
      £96,244.56
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.99% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £751.38 and 262 monthly payments of £802.26. The total amount payable would be £238,989.60 made up of the loan amount plus interest £96,244.56 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 30/11/2019
  • APRC
    4.60%
  • Monthly Payment
    £751.38
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Fixed to 30/11/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 38
    • Ongoing Monthly Payments:
      £802.26 x 262
    • Total Amount Payable:
      £239,439.60
    • Total Interest Payable:
      £96,244.56
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.99% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £751.38 and 262 monthly payments of £802.26. The total amount payable would be £238,989.60 made up of the loan amount plus interest £96,244.56 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.99%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £751.38
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Variable for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 24
    • Ongoing Monthly Payments:
      £733.14 x 276
    • Total Amount Payable:
      £220,879.80
    • Total Interest Payable:
      £77,879.76
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.99% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £751.38 and 276 monthly payments of £733.14. The total amount payable would be £220,429.80 made up of the loan amount plus interest £77,879.76 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    3.99%
    Variable for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £751.38
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Variable for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 24
    • Ongoing Monthly Payments:
      £733.14 x 276
    • Total Amount Payable:
      £220,379.80
    • Total Interest Payable:
      £77,879.76
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a tracker rate for 24 months at 3.99% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £751.38 and 276 monthly payments of £733.14. The total amount payable would be £220,429.80 made up of the loan amount plus interest £77,879.76 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Yorkshire Bank
  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 30/11/2019
  • APRC
    4.60%
  • Monthly Payment
    £751.38
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Fixed to 30/11/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £250 cashback On Completion Min £75K of Mortgage Advance.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 38
    • Ongoing Monthly Payments:
      £802.26 x 262
    • Total Amount Payable:
      £239,189.60
    • Total Interest Payable:
      £96,244.56
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.99% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £751.38 and 262 monthly payments of £802.26. The total amount payable would be £238,989.60 made up of the loan amount plus interest £96,244.56 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Yorkshire Bank
  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 30/11/2019
  • APRC
    4.60%
  • Monthly Payment
    £751.38
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £500,000
    • Product Description:
      3.99% Fixed to 30/11/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £751.38 x 38
    • Ongoing Monthly Payments:
      £802.26 x 262
    • Total Amount Payable:
      £239,439.60
    • Total Interest Payable:
      £96,244.56
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 6/5/4% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 3.99% and then reverting to our variable rate of 4.70% variable for remaining term. 38 monthly payments of £751.38 and 262 monthly payments of £802.26. The total amount payable would be £238,989.60 made up of the loan amount plus interest £96,244.56 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    4.15%
    Fixed to 30/11/2019
  • APRC
    4.30%
  • Monthly Payment
    £764.02
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      4.15% Fixed to 30/11/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £764.02 x 38
    • Ongoing Monthly Payments:
      £770.43 x 262
    • Total Amount Payable:
      £231,170.40
    • Total Interest Payable:
      £88,385.42
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £90
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/19: 3/3/2% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 38 months at 4.15% and then reverting to our tracker rate of 4.24% tracker for remaining term. 38 monthly payments of £764.02 and 262 monthly payments of £770.43. The total amount payable would be £231,220.40 made up of the loan amount plus interest £88,385.42 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.30% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.19%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £767.20
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.19% Fixed for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £767.20 x 24
    • Ongoing Monthly Payments:
      £734.14 x 276
    • Total Amount Payable:
      £221,035.40
    • Total Interest Payable:
      £78,535.44
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £767.20 and 276 monthly payments of £734.14. The total amount payable would be £221,085.40 made up of the loan amount plus interest £78,535.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.19%
    Fixed for 2 years
  • APRC
    3.90%
  • Monthly Payment
    £767.20
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.19% Fixed for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £767.20 x 24
    • Ongoing Monthly Payments:
      £734.14 x 276
    • Total Amount Payable:
      £221,535.40
    • Total Interest Payable:
      £78,535.44
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 24 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £767.20 and 276 monthly payments of £734.14. The total amount payable would be £221,085.40 made up of the loan amount plus interest £78,535.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.19%
    Fixed for 3 years
  • APRC
    4.00%
  • Monthly Payment
    £767.20
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.19% Fixed for 3 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £767.20 x 36
    • Ongoing Monthly Payments:
      £735.31 x 264
    • Total Amount Payable:
      £223,240
    • Total Interest Payable:
      £79,241.04
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 36 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £767.20 and 264 monthly payments of £735.31. The total amount payable would be £222,790 made up of the loan amount plus interest £79,241.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.19%
    Fixed for 3 years
  • APRC
    4.00%
  • Monthly Payment
    £767.20
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £250,000
    • Product Description:
      4.19% Fixed for 3 years
    • Incentives:
      No valuation fees.
      No valuation admin fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £767.20 x 36
    • Ongoing Monthly Payments:
      £735.31 x 264
    • Total Amount Payable:
      £222,740
    • Total Interest Payable:
      £79,241.04
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/2/1% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 36 months at 4.19% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £767.20 and 264 monthly payments of £735.31. The total amount payable would be £222,790 made up of the loan amount plus interest £79,241.04 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    4.28%
    Fixed to 30/11/2021
  • APRC
    4.40%
  • Monthly Payment
    £774.37
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      4.28% Fixed to 30/11/2021
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £774.37 x 62
    • Ongoing Monthly Payments:
      £771.73 x 238
    • Total Amount Payable:
      £231,967.70
    • Total Interest Payable:
      £89,182.68
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £90
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/21: 4/4/3/3/2% Sum Repaid
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 62 months at 4.28% and then reverting to our tracker rate of 4.24% tracker for remaining term. 62 monthly payments of £774.37 and 238 monthly payments of £771.73. The total amount payable would be £232,017.70 made up of the loan amount plus interest £89,182.68 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.40% APRC representative.

  • Halifax
  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    4.39%
    Fixed to 30/11/2021
  • APRC
    4.10%
  • Monthly Payment
    £783.19
  • ERC
    Yes
  • Fees
    £810
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £570,000
    • Product Description:
      4.39% Fixed to 30/11/2021
    • Incentives:
      £500 cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £783.19 x 62
    • Ongoing Monthly Payments:
      £740.55 x 238
    • Total Amount Payable:
      £225,618.70
    • Total Interest Payable:
      £82,308.68
    • Fees

    • Product Fee:
      £495
    • Valuation Fee:
      £315
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/21: 5/4/3/3/2% Mortgage Advance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 62 months at 4.39% and then reverting to our variable rate of 3.74% variable for remaining term. 62 monthly payments of £783.19 and 238 monthly payments of £740.55. The total amount payable would be £225,668.70 made up of the loan amount plus interest £82,308.68 and a product fee £495 and valuation fee £315. The overall cost for comparison is 4.10% APRC representative.

  • Virgin Money
  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    4.39%
    Fixed to 01/11/2018
  • APRC
    4.50%
  • Monthly Payment
    £783.19
  • ERC
    Yes
  • Fees
    £163
  • Max LTV
    95%
  • More Info+ Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £118,000
    • Max Loan:
      £1,000,000
    • Product Description:
      4.39% Fixed to 01/11/2018
    • Incentives:
      No arrangement fees.
      £1.
      5K cashback.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £783.19 x 26
    • Ongoing Monthly Payments:
      £794.45 x 58
    • Total Amount Payable:
      £233,926.70
    • Total Interest Payable:
      £92,213.68
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £163
    • Charges

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/11/18: 2.5% Outstanding Balance
  • Representative example: A mortgage of £142,500 payable over 25 years initially on a fixed rate for 26 months at 4.39% and then reverting to our variable rate of 4.54% variable for remaining term. 26 monthly payments of £783.19 and 58 monthly payments of £794.45. The total amount payable would be £234,976.70 made up of the loan amount plus interest £92,213.68 and a product fee £0 and valuation fee £163. The overall cost for comparison is 4.50% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95%. Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 27/09/2016.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £142,500, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 95%. Our mortgage comparison service includes providers from whom we may receive commission. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 00:58 28/09/2016.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 low deposit mortgages

Low deposit mortgages are designed to help people get onto the housing ladder. They allow you to borrow more of the total money you need to buy your home which means, of course, that you'll need to put in less money upfront as a deposit.

With a low deposit mortgage you might be able to borrow as much as 95 per cent of the value of your new home. This is known as the loan-to-value ratio, or LTV. Elsewhere in the market, you could need to find as much as 40 per cent as a deposit.

The trade-off is that you will often find that you are faced with a higher interest rate, a larger arrangement fee or both.

Low deposit mortgages usually begin on a fixed interest rate, or one that tracks the base rate, for an initial locked-in period. After this period - lasting anywhere between one and five years - ends, you'll revert to a standard variable rate. At this point, though, you will be able to seek a new deal.

With these deals often aimed at first time buyers, a bank will sometimes be prepared to give you a better loan-to-value ratio if a relative or other benefactor can act as guarantor or if you are taking a buy-to-let mortgage and can prove you'll get a steady income from rent.

Beware - as always, you could face an arrangement fee on your mortgage of anywhere up to £2,000 or more.

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