Compare Fee Free Mortgages

No Fee Mortgages

		Mortgage Type Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Tracker: The interest rate rises and falls with the Bank of England base rate. Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR). Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Buy to Let: For landlords purchasing a property for letting.	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate The interest rate that your mortgage will revert to after any introductory rates have finished.	APR This is the mortgage’s Annual Percentage Rate: the interest rate that you will be charged on your mortgage including all charges such as arrangement fees (also referred to as Cost For Comparison).	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	HSBC Lifetime BBR + 1.99% LTV 60% Special Direct [Show Details]	Tracker	2.49%	term	n/a	2.50%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	NatWest 2yr BBR + 2.10% LTV 60% Direct Ex/B Main Bank A/C [Show Details]	Tracker	2.60%	31/03/2014	4.00%	3.80%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.10% LTV 60% Direct Ex/B Main A/C [Show Details]	Tracker	2.60%	31/03/2014	4.00%	3.80%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	NatWest 2yr BBR + 2.35% LTV 60% Direct Fee Free [Show Details]	Tracker	2.85%	31/03/2014	4.00%	4.00%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.35% Tracker LTV 60% No Fee [Show Details]	Tracker	2.85%	31/03/2014	4.00%	4.00%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 068 7678
	HSBC Lifetime BBR + 2.39% LTV 70% Direct [Show Details]	Tracker	2.89%	term	n/a	2.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	NatWest 2yr BBR + 2.45% LTV 70% Direct Ex/B Main Bank A/C [Show Details]	Tracker	2.95%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.45% LTV 70% Direct Ex/B Main A/C [Show Details]	Tracker	2.95%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	NatWest 2yr 3.05% Fxd LTV 60% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.05%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.05% Fxd LTV 60% Ex/B Main A/C Direct [Show Details]	Fixed	3.05%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	NatWest 2yr BBR + 2.55% LTV 75% Direct Ex/B Main Bank A/C [Show Details]	Tracker	3.05%	31/03/2014	4.00%	3.90%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.55% LTV 75% Direct Ex/B Main A/C [Show Details]	Tracker	3.05%	31/03/2014	4.00%	3.90%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Post Office Ltd 2yr 3.09% Fixed BBR LTV 65% No Fee [Show Details]	Fixed	3.09%	31/03/2014	4.49%	4.30%	65%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 35% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	NatWest 2yr 3.15% Fixed H/P LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	4.00%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
	NatWest 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Post Office Ltd 3yr 3.15% Fixed BBR LTV 65% No Fee [Show Details]	Fixed	3.15%	31/03/2015	4.49%	4.20%	65%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 35% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	Royal Bank of Scotland 2yr 3.15% Fixed H/P LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	4.00%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	NatWest 2yr BBR + 2.69% LTV 75% Direct Fee Free [Show Details]	Tracker	3.19%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.69% Tracker LTV 75% No Fee [Show Details]	Tracker	3.19%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 068 7678
	NatWest 2yr 3.20% Fxd LTV 70% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.20% Fxd LTV 70% Ex/B Main A/C Direct [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	NatWest 2yr 3.25% Fxd LTV 75% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.25%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Post Office Ltd 3yr 3.25% Fixed BBR LTV 75% No Fee [Show Details]	Fixed	3.25%	31/03/2015	4.49%	4.30%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	Royal Bank of Scotland 2yr 3.25% Fxd LTV 75% Ex/B Main A/C Direct [Show Details]	Fixed	3.25%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	HSBC 2yr 3.29% Fixed LTV 70% Fee Free Direct [Show Details]	Fixed	3.29%	31/05/2014	3.94%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Santander UK plc 2yr 3.29% Fixed H/P C/B LTV 60% Ex/C Direct [Show Details]	Fixed	3.29%	02/04/2014	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £550000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	HSBC Lifetime BBR + 2.79% LTV 80% Direct [Show Details]	Tracker	3.29%	term	n/a	3.30%	80%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 20% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	NatWest 2yr 3.30 H/P LTV 70% Dir ADVGold/Pte/Bus Ex/C [Show Details]	Fixed	3.30%	31/03/2014	4.00%	4.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	NatWest 2yr 3.30% Fxd R/M LTV 70% Dir ADVGold/Pte/Bus [Show Details]	Fixed	3.30%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.30% Fxd H/P LTV 70% "Black A/C" Ex/C Dir [Show Details]	Fixed	3.30%	31/03/2014	4.00%	4.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 3.30% Fxd R/M LTV 70% "Black A/C" Ex/C Dir [Show Details]	Fixed	3.30%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Santander UK plc 2yr BBR + 2.84% Tracker H/P C/B LTV 60% Direct [Show Details]	Tracker	3.34%	24 months	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 2.84% Tracker R/M C/B LTV 60% Direct [Show Details]	Tracker	3.34%	24 months	4.24%	4.10%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 2.84% Tracker R/M LTV 60% Direct [Show Details]	Tracker	3.34%	24 months	4.24%	4.10%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Santander UK plc 2yr 3.39% Fixed H/P C/B LTV 60% Direct [Show Details]	Fixed	3.39%	02/04/2014	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £550000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Santander UK plc 2yr 3.39% Fixed R/M C/B LTV 60% Ex/C Direct [Show Details]	Fixed	3.39%	02/04/2014	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% Max Loan: £550000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Available for existing Santander UK plc customers only.
	Santander UK plc 2yr 3.39% Fixed R/M LTV 60% Ex/C Direct [Show Details]	Fixed	3.39%	02/04/2014	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% Max Loan: £550000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Available for existing Santander UK plc customers only.
	NatWest 2yr 3.45% Fixed H/P LTV 75% Direct No fee [Show Details]	Fixed	3.45%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
	NatWest 2yr 3.45% Fxd R/M LTV 75% Direct No Fee [Show Details]	Fixed	3.45%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 3.45% Fixed H/P LTV 75% Direct No Fee [Show Details]	Fixed	3.45%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 3.45% Fxd R/M LTV 75% Direct No Fee [Show Details]	Fixed	3.45%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	NatWest 2yr BBR + 2.95% LTV 80% Direct Ex/B Main Bank A/C [Show Details]	Tracker	3.45%	31/03/2014	4.00%	4.00%	80%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 20% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr BBR + 2.95% LTV 80% Direct Ex/B Main A/C [Show Details]	Tracker	3.45%	31/03/2014	4.00%	4.00%	80%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Borrower: yes Minimum Deposit: 20% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Santander UK plc 2yr 3.49% Fixed R/M LTV 60% Direct [Show Details]	Fixed	3.49%	02/04/2014	4.24%	4.20%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £550000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 3.04% Tracker H/P C/B LTV 75% Direct [Show Details]	Tracker	3.54%	24 months	4.24%	4.20%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 3.04% Tracker R/M C/B LTV 75% Direct [Show Details]	Tracker	3.54%	24 months	4.24%	4.20%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Santander UK plc 2yr BBR + 3.04% Tracker R/M LTV 75% Direct [Show Details]	Tracker	3.54%	24 months	4.24%	4.20%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
	Post Office Ltd 5yr 3.59% Fxd BBR C/B LTV 75% Fee Saver [Show Details]	Fixed	3.59%	31/03/2017	4.49%	4.20%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0121 270 3556
	Santander UK plc 2yr 3.59% Fixed H/P C/B LTV 75% Ex/C Direct [Show Details]	Fixed	3.59%	02/04/2014	4.24%	4.20%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 25% Max Loan: £550000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
	Available for existing Santander UK plc customers only.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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.

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