No Fee Mortgages

  • Fee-free mortgages are popular with home buyers that want to keep their initial costs down.
  • Compare the latest interest rates and other important features of no fee 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 90%.
  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.49%
    Fixed to 31/10/2018
  • APRC
    3.70%
  • Monthly Payment
    £1,008.25
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.49% Fixed to 31/10/2018
    • Incentives:
      Free legal fees Remortgages.
      No arrangement fees.
      free valuation fees.
      free valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,008.25 x 26
    • Ongoing Monthly Payments:
      £1,166.42 x 274
    • Total Amount Payable:
      £345,813.60
    • Total Interest Payable:
      £120,813.60
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/18: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 2.49% and then reverting to our variable rate of 3.94% variable for remaining term. 26 monthly payments of £1,008.25 and 274 monthly payments of £1,166.42. The total amount payable would be £345,863.60 made up of the loan amount plus interest £120,813.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    2.69%
    Fixed to 31/07/2018
  • APRC
    4.10%
  • Monthly Payment
    £1,031.05
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      2.69% Fixed to 31/07/2018
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £300 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,031.05 x 23
    • Ongoing Monthly Payments:
      £1,204.57 x 277
    • Total Amount Payable:
      £357,765
    • Total Interest Payable:
      £132,380
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/18: 3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 23 months at 2.69% and then reverting to our tracker rate of 4.24% tracker for remaining term. 23 monthly payments of £1,031.05 and 277 monthly payments of £1,204.57. The total amount payable would be £357,715 made up of the loan amount plus interest £132,380 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.10% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    2.79%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,042.56
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.79% Fixed for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,042.56 x 24
    • Ongoing Monthly Payments:
      £1,147.45 x 276
    • Total Amount Payable:
      £342,217.60
    • Total Interest Payable:
      £116,717.60
    • 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 £225,000 payable over 25 years initially on a fixed rate for 24 months at 2.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,042.56 and 276 monthly payments of £1,147.45. The total amount payable would be £341,767.60 made up of the loan amount plus interest £116,717.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    2.79%
    Fixed for 2 years
  • APRC
    3.60%
  • Monthly Payment
    £1,042.56
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      2.79% Fixed for 2 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,042.56 x 24
    • Ongoing Monthly Payments:
      £1,147.45 x 276
    • Total Amount Payable:
      £341,717.60
    • Total Interest Payable:
      £116,717.60
    • 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 £225,000 payable over 25 years initially on a fixed rate for 24 months at 2.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £1,042.56 and 276 monthly payments of £1,147.45. The total amount payable would be £341,767.60 made up of the loan amount plus interest £116,717.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    2.97%
    Fixed to 31/07/2019
  • APRC
    4.00%
  • Monthly Payment
    £1,063.47
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      2.97% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £300 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,063.47 x 35
    • Ongoing Monthly Payments:
      £1,201.47 x 265
    • Total Amount Payable:
      £355,996
    • Total Interest Payable:
      £130,611
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/19: 3/3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 35 months at 2.97% and then reverting to our tracker rate of 4.24% tracker for remaining term. 35 monthly payments of £1,063.47 and 265 monthly payments of £1,201.47. The total amount payable would be £355,946 made up of the loan amount plus interest £130,611 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.00% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    2.98%
    Fixed to 31/10/2019
  • APRC
    3.70%
  • Monthly Payment
    £1,064.64
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      2.98% Fixed to 31/10/2019
    • Incentives:
      Free legal fees Remortgages.
      No arrangement fees.
      free valuation fees.
      free valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,064.64 x 38
    • Ongoing Monthly Payments:
      £1,167.10 x 262
    • Total Amount Payable:
      £346,236.50
    • Total Interest Payable:
      £121,236.50
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/19: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 38 months at 2.98% and then reverting to our variable rate of 3.94% variable for remaining term. 38 monthly payments of £1,064.64 and 262 monthly payments of £1,167.10. The total amount payable would be £346,286.50 made up of the loan amount plus interest £121,236.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • NatWest
  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    2.98%
    Fixed to 30/11/2018
  • APRC
    3.90%
  • Monthly Payment
    £1,064.64
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      2.98% Fixed to 30/11/2018
    • Incentives:
      Free valuation fees Remortgages.
      free valuation admin fees Remortgages.
      free legal fees Remortgages.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,064.64 x 27
    • Ongoing Monthly Payments:
      £1,177.77 x 273
    • Total Amount Payable:
      £350,276.50
    • Total Interest Payable:
      £125,276.50
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • 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 £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.98% and then reverting to our variable rate of 4.00% variable for remaining term. 27 monthly payments of £1,064.64 and 273 monthly payments of £1,177.77. The total amount payable would be £350,326.50 made up of the loan amount plus interest £125,276.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    2.98%
    Fixed to 30/11/2018
  • APRC
    3.90%
  • Monthly Payment
    £1,064.64
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      2.98% Fixed to 30/11/2018
    • Incentives:
      Free valuation fees Remortgages.
      free valuation admin fees Remortgages.
      free legal fees Remortgages.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,064.64 x 27
    • Ongoing Monthly Payments:
      £1,177.77 x 273
    • Total Amount Payable:
      £350,276.50
    • Total Interest Payable:
      £125,276.50
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • 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 £225,000 payable over 25 years initially on a fixed rate for 27 months at 2.98% and then reverting to our variable rate of 4.00% variable for remaining term. 27 monthly payments of £1,064.64 and 273 monthly payments of £1,177.77. The total amount payable would be £350,326.50 made up of the loan amount plus interest £125,276.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.09%
    Fixed to 31/10/2018
  • APRC
    4.70%
  • Monthly Payment
    £1,077.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      3.09% Fixed to 31/10/2018
    • Incentives:
      Free legal fees Remortgages.
      free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,077.54 x 26
    • Ongoing Monthly Payments:
      £1,290.77 x 274
    • Total Amount Payable:
      £381,882
    • Total Interest Payable:
      £156,687
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 3.09% and then reverting to our variable rate of 4.95% variable for remaining term. 26 monthly payments of £1,077.54 and 274 monthly payments of £1,290.77. The total amount payable would be £381,932 made up of the loan amount plus interest £156,687 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.70% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.09%
    Fixed to 31/10/2019
  • APRC
    4.50%
  • Monthly Payment
    £1,077.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £175,000
    • Max Loan:
      Varies
    • Product Description:
      3.09% Fixed to 31/10/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,077.54 x 38
    • Ongoing Monthly Payments:
      £1,282.31 x 262
    • Total Amount Payable:
      £377,606.80
    • Total Interest Payable:
      £151,911.70
    • 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 £225,000 payable over 25 years initially on a fixed rate for 38 months at 3.09% and then reverting to our variable rate of 4.95% variable for remaining term. 38 monthly payments of £1,077.54 and 262 monthly payments of £1,282.31. The total amount payable would be £377,156.80 made up of the loan amount plus interest £151,911.70 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

  • Yorkshire Bank
  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.09%
    Fixed to 31/10/2018
  • APRC
    4.70%
  • Monthly Payment
    £1,077.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      3.09% Fixed to 31/10/2018
    • Incentives:
      Free legal fees Remortgages.
      free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,077.54 x 26
    • Ongoing Monthly Payments:
      £1,290.77 x 274
    • Total Amount Payable:
      £381,882
    • Total Interest Payable:
      £156,687
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 3.09% and then reverting to our variable rate of 4.95% variable for remaining term. 26 monthly payments of £1,077.54 and 274 monthly payments of £1,290.77. The total amount payable would be £381,932 made up of the loan amount plus interest £156,687 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.70% APRC representative.

  • Yorkshire Bank
  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.09%
    Fixed to 31/10/2019
  • APRC
    4.50%
  • Monthly Payment
    £1,077.54
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £175,000
    • Max Loan:
      Varies
    • Product Description:
      3.09% Fixed to 31/10/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,077.54 x 38
    • Ongoing Monthly Payments:
      £1,282.31 x 262
    • Total Amount Payable:
      £377,606.80
    • Total Interest Payable:
      £151,911.70
    • 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 £225,000 payable over 25 years initially on a fixed rate for 38 months at 3.09% and then reverting to our variable rate of 4.95% variable for remaining term. 38 monthly payments of £1,077.54 and 262 monthly payments of £1,282.31. The total amount payable would be £377,156.80 made up of the loan amount plus interest £151,911.70 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.14%
    Fixed for 3 years
  • APRC
    3.60%
  • Monthly Payment
    £1,083.43
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.14% Fixed for 3 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,083.43 x 36
    • Ongoing Monthly Payments:
      £1,147.96 x 264
    • Total Amount Payable:
      £342,564.90
    • Total Interest Payable:
      £117,064.90
    • Fees

    • Product Fee:
      £0
    • 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 £225,000 payable over 25 years initially on a fixed rate for 36 months at 3.14% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £1,083.43 and 264 monthly payments of £1,147.96. The total amount payable would be £342,114.90 made up of the loan amount plus interest £117,064.90 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.14%
    Fixed for 3 years
  • APRC
    3.60%
  • Monthly Payment
    £1,083.43
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.14% Fixed for 3 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,083.43 x 36
    • Ongoing Monthly Payments:
      £1,147.96 x 264
    • Total Amount Payable:
      £342,064.90
    • Total Interest Payable:
      £117,064.90
    • Fees

    • Product Fee:
      £0
    • 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 £225,000 payable over 25 years initially on a fixed rate for 36 months at 3.14% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £1,083.43 and 264 monthly payments of £1,147.96. The total amount payable would be £342,114.90 made up of the loan amount plus interest £117,064.90 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.60% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.19%
    Fixed to 31/10/2019
  • APRC
    4.60%
  • Monthly Payment
    £1,089.34
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £999,999
    • Product Description:
      3.19% Fixed to 31/10/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £250 rebate On Completion Min £75K of Mortgage Advance.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,089.34 x 38
    • Ongoing Monthly Payments:
      £1,283.85 x 262
    • Total Amount Payable:
      £378,208.60
    • Total Interest Payable:
      £152,763.60
    • 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 £225,000 payable over 25 years initially on a fixed rate for 38 months at 3.19% and then reverting to our variable rate of 4.95% variable for remaining term. 38 monthly payments of £1,089.34 and 262 monthly payments of £1,283.85. The total amount payable would be £378,008.60 made up of the loan amount plus interest £152,763.60 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
    3.19%
    Fixed to 31/10/2019
  • APRC
    4.60%
  • Monthly Payment
    £1,089.34
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £999,999
    • Product Description:
      3.19% Fixed to 31/10/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £250 rebate On Completion Min £75K of Mortgage Advance.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,089.34 x 38
    • Ongoing Monthly Payments:
      £1,283.85 x 262
    • Total Amount Payable:
      £378,208.60
    • Total Interest Payable:
      £152,763.60
    • 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 £225,000 payable over 25 years initially on a fixed rate for 38 months at 3.19% and then reverting to our variable rate of 4.95% variable for remaining term. 38 monthly payments of £1,089.34 and 262 monthly payments of £1,283.85. The total amount payable would be £378,008.60 made up of the loan amount plus interest £152,763.60 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    3.29%
    Fixed to 31/10/2021
  • APRC
    3.70%
  • Monthly Payment
    £1,101.22
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      3.29% Fixed to 31/10/2021
    • Incentives:
      Free legal fees Remortgages.
      No arrangement fees.
      free valuation fees.
      free valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,101.22 x 62
    • Ongoing Monthly Payments:
      £1,165.74 x 238
    • Total Amount Payable:
      £345,721.80
    • Total Interest Payable:
      £120,721.80
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/21: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 62 months at 3.29% and then reverting to our variable rate of 3.94% variable for remaining term. 62 monthly payments of £1,101.22 and 238 monthly payments of £1,165.74. The total amount payable would be £345,771.80 made up of the loan amount plus interest £120,721.80 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.39%
    Fixed for 5 years
  • APRC
    3.70%
  • Monthly Payment
    £1,113.17
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.39% Fixed for 5 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,113.17 x 60
    • Ongoing Monthly Payments:
      £1,148.15 x 240
    • Total Amount Payable:
      £342,846.20
    • Total Interest Payable:
      £117,346.20
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/4/3/2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 60 months at 3.39% and then reverting to our variable rate of 3.74% variable for remaining term. 60 monthly payments of £1,113.17 and 240 monthly payments of £1,148.15. The total amount payable would be £342,396.20 made up of the loan amount plus interest £117,346.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    3.39%
    Fixed for 5 years
  • APRC
    3.70%
  • Monthly Payment
    £1,113.17
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      3.39% Fixed for 5 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,113.17 x 60
    • Ongoing Monthly Payments:
      £1,148.15 x 240
    • Total Amount Payable:
      £342,346.20
    • Total Interest Payable:
      £117,346.20
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/4/3/2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 60 months at 3.39% and then reverting to our variable rate of 3.74% variable for remaining term. 60 monthly payments of £1,113.17 and 240 monthly payments of £1,148.15. The total amount payable would be £342,396.20 made up of the loan amount plus interest £117,346.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.70% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    3.39%
    Fixed to 31/07/2021
  • APRC
    4.00%
  • Monthly Payment
    £1,113.17
  • ERC
    Yes
  • Fees
    £90
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      3.39% Fixed to 31/07/2021
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £300 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,113.17 x 59
    • Ongoing Monthly Payments:
      £1,199.51 x 241
    • Total Amount Payable:
      £355,143.90
    • Total Interest Payable:
      £129,758.90
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/21: 4/4/3/3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 59 months at 3.39% and then reverting to our tracker rate of 4.24% tracker for remaining term. 59 monthly payments of £1,113.17 and 241 monthly payments of £1,199.51. The total amount payable would be £355,093.90 made up of the loan amount plus interest £129,758.90 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.00% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    3.69%
    Fixed to 31/10/2018
  • APRC
    4.00%
  • Monthly Payment
    £1,149.46
  • 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 31/10/2018
    • Incentives:
      No arrangement fees.
      free valuation fees.
      free valuation admin fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,149.46 x 26
    • Ongoing Monthly Payments:
      £1,177.95 x 274
    • Total Amount Payable:
      £353,144.30
    • Total Interest Payable:
      £127,644.30
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/18: 2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 26 months at 3.69% and then reverting to our variable rate of 3.94% variable for remaining term. 26 monthly payments of £1,149.46 and 274 monthly payments of £1,177.95. The total amount payable would be £352,694.30 made up of the loan amount plus interest £127,644.30 and a product fee £0 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
    3.74%
    Fixed to 31/07/2018
  • APRC
    4.20%
  • Monthly Payment
    £1,155.57
  • 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:
      £25,001
    • Max Loan:
      £500,000
    • Product Description:
      3.74% Fixed to 31/07/2018
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £400 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,155.57 x 23
    • Ongoing Monthly Payments:
      £1,213.64 x 277
    • Total Amount Payable:
      £363,141.40
    • Total Interest Payable:
      £137,756.40
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/18: 3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 23 months at 3.74% and then reverting to our tracker rate of 4.24% tracker for remaining term. 23 monthly payments of £1,155.57 and 277 monthly payments of £1,213.64. The total amount payable would be £363,091.40 made up of the loan amount plus interest £137,756.40 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.20% APRC representative.

  • NatWest
  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 30/11/2021
  • APRC
    4.00%
  • Monthly Payment
    £1,174.01
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      3.89% Fixed to 30/11/2021
    • Incentives:
      Free valuation fees Remortgages.
      free valuation admin fees Remortgages.
      free legal fees Remortgages.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,174.01 x 63
    • Ongoing Monthly Payments:
      £1,185.20 x 237
    • Total Amount Payable:
      £354,855
    • Total Interest Payable:
      £129,855
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/21: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 63 months at 3.89% and then reverting to our variable rate of 4.00% variable for remaining term. 63 monthly payments of £1,174.01 and 237 monthly payments of £1,185.20. The total amount payable would be £354,905 made up of the loan amount plus interest £129,855 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    3.89%
    Fixed to 30/11/2021
  • APRC
    4.00%
  • Monthly Payment
    £1,174.01
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      3.89% Fixed to 30/11/2021
    • Incentives:
      Free valuation fees Remortgages.
      free valuation admin fees Remortgages.
      free legal fees Remortgages.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,174.01 x 63
    • Ongoing Monthly Payments:
      £1,185.20 x 237
    • Total Amount Payable:
      £354,855
    • Total Interest Payable:
      £129,855
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/21: 5/4/3/2/1% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 63 months at 3.89% and then reverting to our variable rate of 4.00% variable for remaining term. 63 monthly payments of £1,174.01 and 237 monthly payments of £1,185.20. The total amount payable would be £354,905 made up of the loan amount plus interest £129,855 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Clydesdale Bank
  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    3.99%
    Fixed to 31/10/2021
  • APRC
    4.60%
  • Monthly Payment
    £1,186.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      3.99% Fixed to 31/10/2021
    • Incentives:
      Free legal fees Remortgages.
      free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,186.39 x 62
    • Ongoing Monthly Payments:
      £1,287.05 x 238
    • Total Amount Payable:
      £380,069.10
    • Total Interest Payable:
      £154,874.10
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/5/4/3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 62 months at 3.99% and then reverting to our variable rate of 4.95% variable for remaining term. 62 monthly payments of £1,186.39 and 238 monthly payments of £1,287.05. The total amount payable would be £380,119.10 made up of the loan amount plus interest £154,874.10 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 31/10/2021
  • APRC
    4.60%
  • Monthly Payment
    £1,186.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      90%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      3.99% Fixed to 31/10/2021
    • Incentives:
      Free legal fees Remortgages.
      free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,186.39 x 62
    • Ongoing Monthly Payments:
      £1,287.05 x 238
    • Total Amount Payable:
      £380,069.10
    • Total Interest Payable:
      £154,874.10
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 5/5/4/3/2% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 62 months at 3.99% and then reverting to our variable rate of 4.95% variable for remaining term. 62 monthly payments of £1,186.39 and 238 monthly payments of £1,287.05. The total amount payable would be £380,119.10 made up of the loan amount plus interest £154,874.10 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
    fixed
  • Initial Rate
    4.09%
    Fixed for 10 years
  • APRC
    4.10%
  • Monthly Payment
    £1,198.84
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      90%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      4.09% Fixed for 10 years
    • Incentives:
      Free valuation fees.
      free valuation admin fees.
      No arrangement fees.
      £250 rebate On Completion or free legal feesGreat Britain.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,198.84 x 120
    • Ongoing Monthly Payments:
      £1,170.69 x 180
    • Total Amount Payable:
      £354,585
    • Total Interest Payable:
      £129,585
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 10 yrs: 7/7/7/7/6/5/4/3/2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 120 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 120 monthly payments of £1,198.84 and 180 monthly payments of £1,170.69. The total amount payable would be £354,635 made up of the loan amount plus interest £129,585 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Nationwide BS
  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed for 10 years
  • APRC
    4.10%
  • Monthly Payment
    £1,198.84
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    90%
  • More Info+ Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £500,000
    • Product Description:
      4.09% Fixed for 10 years
    • Incentives:
      No arrangement fees.
      No valuation fees.
      No valuation admin fees.
      £500 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,198.84 x 120
    • Ongoing Monthly Payments:
      £1,170.69 x 180
    • Total Amount Payable:
      £354,585
    • Total Interest Payable:
      £129,585
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 10 yrs: 7/7/7/7/6/5/4/3/2/1% Outstanding Balance
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 120 months at 4.09% and then reverting to our variable rate of 3.74% variable for remaining term. 120 monthly payments of £1,198.84 and 180 monthly payments of £1,170.69. The total amount payable would be £354,635 made up of the loan amount plus interest £129,585 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Yorkshire Bank
  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    4.09%
    Fixed to 31/10/2019
  • APRC
    4.80%
  • Monthly Payment
    £1,198.84
  • 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:
      £175,000
    • Max Loan:
      Varies
    • Product Description:
      4.09% Fixed to 31/10/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,198.84 x 38
    • Ongoing Monthly Payments:
      £1,297.11 x 262
    • Total Amount Payable:
      £386,093.80
    • Total Interest Payable:
      £160,398.70
    • 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 £225,000 payable over 25 years initially on a fixed rate for 38 months at 4.09% and then reverting to our variable rate of 4.95% variable for remaining term. 38 monthly payments of £1,198.84 and 262 monthly payments of £1,297.11. The total amount payable would be £385,643.80 made up of the loan amount plus interest £160,398.70 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.80% APRC representative.

  • Post Office Money®
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    4.19%
    Fixed to 31/07/2019
  • APRC
    4.30%
  • Monthly Payment
    £1,211.36
  • 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:
      £25,001
    • Max Loan:
      £500,000
    • Product Description:
      4.19% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees.
      No arrangement fees.
      £400 rebate.
      No Higher Lending Charge (HLC).
    • Repayments

    • Initial Monthly Repayment:
      £1,211.36 x 35
    • Ongoing Monthly Payments:
      £1,217.05 x 265
    • Total Amount Payable:
      £365,300.80
    • Total Interest Payable:
      £139,915.80
    • Fees

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

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/19: 3/3/2% Sum Repaid
  • Representative example: A mortgage of £225,000 payable over 25 years initially on a fixed rate for 35 months at 4.19% and then reverting to our tracker rate of 4.24% tracker for remaining term. 35 monthly payments of £1,211.36 and 265 monthly payments of £1,217.05. The total amount payable would be £365,250.80 made up of the loan amount plus interest £139,915.80 and a product fee £0 and valuation fee £90. The overall cost for comparison is 4.30% 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 £225,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 90%. Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 26/08/2016.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 £225,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 90%. 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 07:17 27/08/2016.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.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

More about no fee mortgages

Usually when you take out a mortgage you have to pay an arrangement fee. This is to reimburse the lender for their time and effort in setting it up. Sometimes this will only be a couple of hundred pounds, in other cases it can run into thousands.

There is no hard and fast rule about how much an arrangement fee will cost you - each bank will offer an array of different options - but it will affect the value of the mortgage. It is included in the overall cost of comparison figure that you see with the rates.

However, some lenders offer mortgages where you don't have to pay any fees at all. Instead, the bank or building society covers the cost of the obligatory administration with the authorities involved, saving you the added expense. Often used as an enticement towards certain deals or to draw customers away from competitors, these 'no fee mortgages' remove one of the road blocks for people who are already struggling to get onto the housing ladder.

Lenders usually allow you to add any arrangements fees you have to pay onto the total amount you are borrowing if you can't afford to pay it upfront. However, this will mean that you pay interest on it just like the rest of the loan. If you're already struggling for capital - perhaps because you need a hefty deposit - a no fee mortgage could be ideal.

Remember though, if the absence of a fee is a smokescreen for uncompetitive rates, it almost certainly won't be worth it.

Click here to learn more about mortgages with Know Your Money.