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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Lines are open: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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The following results are based on a loan to value (LTV) of 60%
  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.64%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £609.82
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.64% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £609.82 x 26
    • Ongoing Monthly Payments:
      £752.99 x 274
    • Total Amount Payable:
      £222,174.60
    • Total Interest Payable:
      £72,174.58
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.64% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £609.82 and 274 monthly payments of £752.99. The total amount payable would be £222,224.60 made up of the loan amount plus interest £72,174.58 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.64%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £609.82
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £150,000
    • Product Description:
      1.64% Variable for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £609.82 x 24
    • Ongoing Monthly Payments:
      £757.76 x 276
    • Total Amount Payable:
      £223,777.40
    • Total Interest Payable:
      £73,777.44
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.64% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £609.82 and 276 monthly payments of £757.76. The total amount payable would be £223,962.40 made up of the loan amount plus interest £73,777.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.64%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £609.82
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.64% Variable for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £609.82 x 24
    • Ongoing Monthly Payments:
      £757.76 x 276
    • Total Amount Payable:
      £223,777.40
    • Total Interest Payable:
      £73,777.44
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.64% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £609.82 and 276 monthly payments of £757.76. The total amount payable would be £223,962.40 made up of the loan amount plus interest £73,777.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.64%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £609.82
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.64% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £609.82 x 24
    • Ongoing Monthly Payments:
      £757.76 x 276
    • Total Amount Payable:
      £224,277.40
    • Total Interest Payable:
      £73,777.44
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.64% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £609.82 and 276 monthly payments of £757.76. The total amount payable would be £223,827.40 made up of the loan amount plus interest £73,777.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.64%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £609.82
  • ERC
    No
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.64% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £609.82 x 24
    • Ongoing Monthly Payments:
      £757.76 x 276
    • Total Amount Payable:
      £223,777.40
    • Total Interest Payable:
      £73,777.44
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.64% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £609.82 and 276 monthly payments of £757.76. The total amount payable would be £223,827.40 made up of the loan amount plus interest £73,777.44 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £613.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.69% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £613.39 x 24
    • Ongoing Monthly Payments:
      £758.09 x 276
    • Total Amount Payable:
      £223,954.20
    • Total Interest Payable:
      £73,954.20
    • 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 £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £613.39 and 276 monthly payments of £758.09. The total amount payable would be £224,004.20 made up of the loan amount plus interest £73,954.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £613.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £613.39 x 24
    • Ongoing Monthly Payments:
      £758.09 x 276
    • Total Amount Payable:
      £224,454.20
    • Total Interest Payable:
      £73,954.20
    • 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 £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £613.39 and 276 monthly payments of £758.09. The total amount payable would be £224,004.20 made up of the loan amount plus interest £73,954.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £613.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.69% Fixed for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £613.39 x 24
    • Ongoing Monthly Payments:
      £758.09 x 276
    • Total Amount Payable:
      £223,954.20
    • Total Interest Payable:
      £73,954.20
    • 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 £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £613.39 and 276 monthly payments of £758.09. The total amount payable would be £224,139.20 made up of the loan amount plus interest £73,954.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £613.39
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £150,000
    • Product Description:
      1.69% Fixed for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £613.39 x 24
    • Ongoing Monthly Payments:
      £758.09 x 276
    • Total Amount Payable:
      £223,954.20
    • Total Interest Payable:
      £73,954.20
    • 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 £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £613.39 and 276 monthly payments of £758.09. The total amount payable would be £224,139.20 made up of the loan amount plus interest £73,954.20 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.74%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £616.97
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.74% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £616.97 x 26
    • Ongoing Monthly Payments:
      £753.70 x 274
    • Total Amount Payable:
      £222,555
    • Total Interest Payable:
      £72,555.02
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.74% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £616.97 and 274 monthly payments of £753.70. The total amount payable would be £222,605 made up of the loan amount plus interest £72,555.02 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.74%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £616.97
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    75%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.74% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £616.97 x 26
    • Ongoing Monthly Payments:
      £753.70 x 274
    • Total Amount Payable:
      £222,555
    • Total Interest Payable:
      £72,555.02
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.74% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £616.97 and 274 monthly payments of £753.70. The total amount payable would be £222,605 made up of the loan amount plus interest £72,555.02 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    1.74%
    Fixed to 01/04/2019
  • APRC
    3.90%
  • Monthly Payment
    £616.97
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    65%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      65%
    • Max House Purchase LTV:
      65%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.74% Fixed to 01/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £616.97 x 27
    • Ongoing Monthly Payments:
      £817.51 x 57
    • Total Amount Payable:
      £236,462.70
    • Total Interest Payable:
      £86,412.66
    • Fees

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

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/4/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.74% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £616.97 and 57 monthly payments of £817.51. The total amount payable would be £236,512.70 made up of the loan amount plus interest £86,412.66 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.90% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    1.78%
    Fixed to 01/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £619.84
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    70%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.78% Fixed to 01/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £619.84 x 27
    • Ongoing Monthly Payments:
      £817.83 x 57
    • Total Amount Payable:
      £236,625.30
    • Total Interest Payable:
      £86,575.35
    • Fees

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

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/4/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.78% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £619.84 and 57 monthly payments of £817.83. The total amount payable would be £236,675.30 made up of the loan amount plus interest £86,575.35 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    1.79%
    Fixed to 31/03/2019
  • APRC
    4.20%
  • Monthly Payment
    £620.56
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £100,000
    • Max Loan:
      Varies
    • Product Description:
      1.79% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £620.56 x 26
    • Ongoing Monthly Payments:
      £831.10 x 274
    • Total Amount Payable:
      £244,051
    • Total Interest Payable:
      £93,855.96
    • 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 £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.79% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £620.56 and 274 monthly payments of £831.10. The total amount payable would be £244,236 made up of the loan amount plus interest £93,855.96 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • Yorkshire Bank
  • Mortgage Type
    fixed
  • Initial Rate
    1.79%
    Fixed to 31/03/2019
  • APRC
    4.20%
  • Monthly Payment
    £620.56
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £100,000
    • Max Loan:
      Varies
    • Product Description:
      1.79% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £620.56 x 26
    • Ongoing Monthly Payments:
      £831.10 x 274
    • Total Amount Payable:
      £244,051
    • Total Interest Payable:
      £93,855.96
    • 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 £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.79% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £620.56 and 274 monthly payments of £831.10. The total amount payable would be £244,236 made up of the loan amount plus interest £93,855.96 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    80%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £10,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.89% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 26
    • Ongoing Monthly Payments:
      £754.75 x 274
    • Total Amount Payable:
      £223,123.80
    • Total Interest Payable:
      £73,123.78
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.89% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £627.78 and 274 monthly payments of £754.75. The total amount payable would be £223,173.80 made up of the loan amount plus interest £73,123.78 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed for 3 years
  • APRC
    3.30%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.89% Fixed for 3 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 36
    • Ongoing Monthly Payments:
      £753.85 x 264
    • Total Amount Payable:
      £221,616.50
    • Total Interest Payable:
      £71,616.48
    • 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 £150,000 payable over 25 years initially on a fixed rate for 36 months at 1.89% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £627.78 and 264 monthly payments of £753.85. The total amount payable would be £221,801.50 made up of the loan amount plus interest £71,616.48 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed for 3 years
  • APRC
    3.30%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £150,000
    • Product Description:
      1.89% Fixed for 3 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 36
    • Ongoing Monthly Payments:
      £753.85 x 264
    • Total Amount Payable:
      £221,616.50
    • Total Interest Payable:
      £71,616.48
    • 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 £150,000 payable over 25 years initially on a fixed rate for 36 months at 1.89% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £627.78 and 264 monthly payments of £753.85. The total amount payable would be £221,801.50 made up of the loan amount plus interest £71,616.48 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed for 3 years
  • APRC
    3.30%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.89% Fixed for 3 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 36
    • Ongoing Monthly Payments:
      £753.85 x 264
    • Total Amount Payable:
      £222,116.50
    • Total Interest Payable:
      £71,616.48
    • 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 £150,000 payable over 25 years initially on a fixed rate for 36 months at 1.89% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £627.78 and 264 monthly payments of £753.85. The total amount payable would be £221,666.50 made up of the loan amount plus interest £71,616.48 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed for 3 years
  • APRC
    3.30%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.89% Fixed for 3 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No arrangement fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 36
    • Ongoing Monthly Payments:
      £753.85 x 264
    • Total Amount Payable:
      £221,616.50
    • Total Interest Payable:
      £71,616.48
    • 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 £150,000 payable over 25 years initially on a fixed rate for 36 months at 1.89% and then reverting to our variable rate of 3.74% variable for remaining term. 36 monthly payments of £627.78 and 264 monthly payments of £753.85. The total amount payable would be £221,666.50 made up of the loan amount plus interest £71,616.48 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% APRC representative.

  • Virgin Money
  • Mortgage Type
    fixed
  • Initial Rate
    1.89%
    Fixed to 01/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.89% Fixed to 01/04/2019
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 27
    • Ongoing Monthly Payments:
      £818.69 x 57
    • Total Amount Payable:
      £237,072.30
    • Total Interest Payable:
      £87,022.35
    • Fees

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

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/4/19: 2.5% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.89% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £627.78 and 57 monthly payments of £818.69. The total amount payable would be £237,122.30 made up of the loan amount plus interest £87,022.35 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Virgin Money
  • Mortgage Type
    tracker
  • Initial Rate
    1.89%
    Variable to 01/04/2019
  • APRC
    4.00%
  • Monthly Payment
    £627.78
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    65%
  • More Info + Product Details
    • Summary

    • Lender:
      Virgin Money
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      65%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.89% Variable to 01/04/2019
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £627.78 x 27
    • Ongoing Monthly Payments:
      £818.69 x 57
    • Total Amount Payable:
      £237,072.30
    • Total Interest Payable:
      £87,022.35
    • Fees

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

    • Exit Admin Fee:
      £50
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 1/4/19: 1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 27 months at 1.89% and then reverting to our variable rate of 4.54% variable for remaining term. 27 monthly payments of £627.78 and 57 monthly payments of £818.69. The total amount payable would be £237,257.30 made up of the loan amount plus interest £87,022.35 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.94%
    Fixed to 31/03/2020
  • APRC
    3.30%
  • Monthly Payment
    £631.41
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    60%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.94% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £631.41 x 38
    • Ongoing Monthly Payments:
      £749.88 x 262
    • Total Amount Payable:
      £220,462.10
    • Total Interest Payable:
      £70,462.14
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 38 months at 1.94% and then reverting to our variable rate of 3.69% variable for remaining term. 38 monthly payments of £631.41 and 262 monthly payments of £749.88. The total amount payable would be £220,512.10 made up of the loan amount plus interest £70,462.14 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% APRC representative.

  • Clydesdale Bank
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 31/03/2019
  • APRC
    4.30%
  • Monthly Payment
    £635.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £100,000
    • Max Loan:
      Varies
    • Product Description:
      1.99% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free legal fees
      No arrangement fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £635.05 x 26
    • Ongoing Monthly Payments:
      £832.63 x 274
    • Total Amount Payable:
      £244,846.90
    • Total Interest Payable:
      £94,651.92
    • 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 £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.99% and then reverting to our variable rate of 4.70% variable for remaining term. 26 monthly payments of £635.05 and 274 monthly payments of £832.63. The total amount payable would be £245,031.90 made up of the loan amount plus interest £94,651.92 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £635.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    85%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £10,000
    • Max Loan:
      £400,000
    • Product Description:
      1.99% Fixed to 31/03/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £635.05 x 26
    • Ongoing Monthly Payments:
      £755.44 x 274
    • Total Amount Payable:
      £223,501.90
    • Total Interest Payable:
      £73,501.86
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £635.05 and 274 monthly payments of £755.44. The total amount payable would be £223,551.90 made up of the loan amount plus interest £73,501.86 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.99%
    Fixed to 31/03/2020
  • APRC
    3.30%
  • Monthly Payment
    £635.05
  • ERC
    Yes
  • Fees
    No Fees
  • Max LTV
    70%
  • Call Direct 0800 077 4339
    Call: 0800 077 4339 + Product Details
  • Call HSBC for more information about this mortgage
    Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.99% Fixed to 31/03/2020
    • Incentives:
      Free valuation fees
      free valuation admin fees
      No arrangement fees
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £635.05 x 38
    • Ongoing Monthly Payments:
      £750.38 x 262
    • Total Amount Payable:
      £220,731.50
    • Total Interest Payable:
      £70,731.46
    • Fees

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

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/20: 3/2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 38 months at 1.99% and then reverting to our variable rate of 3.69% variable for remaining term. 38 monthly payments of £635.05 and 262 monthly payments of £750.38. The total amount payable would be £220,781.50 made up of the loan amount plus interest £70,731.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.30% 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 £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 19/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 16:53 19/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

More about 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.