Offset Mortgages

  • Offset mortgages utilise your savings to reduce your mortgage term or monthly payments thereby lowering the overall cost of your mortgage.
  • You can compare the latest interest rates on offset mortgages from UK lenders in the table below.

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Whether you are a first time buyer or looking to remortgage, HSBC offers a range of mortgages that are designed to assist our customers.
Lines 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.
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 70%
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  • Clydesdale Bank 2.49% Discounted Variable to 31/07/2019 (2.21% disc)
  • Mortgage Type
    variable
  • Initial Rate
    2.49%
    Discounted Variable to 31/07/2019 (2.21% disc)
  • APRC
    4.40%
  • Monthly Payment
    £784.20
  • Max LTV
    75%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £999,999
    • Product Description:
      2.49% Discounted Variable to 31/07/2019 (2.21% disc)
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £784.20 x 26
    • Ongoing Monthly Payments:
      £784.20 x 26
    • Total Amount Payable:
      £288,183.20
    • Total Interest Payable:
      £112,739.20
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 2.49%. 26 monthly payments of £784.20. The total amount payable would be £288,983.20 made up of the loan amount plus interest £112,739.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.40% APRC representative.

  • Yorkshire Bank 2.49% Discounted Variable to 31/07/2019 (2.21% disc)
  • Mortgage Type
    variable
  • Initial Rate
    2.49%
    Discounted Variable to 31/07/2019 (2.21% disc)
  • APRC
    4.40%
  • Monthly Payment
    £784.20
  • Max LTV
    75%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      £999,999
    • Product Description:
      2.49% Discounted Variable to 31/07/2019 (2.21% disc)
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £784.20 x 26
    • Ongoing Monthly Payments:
      £784.20 x 26
    • Total Amount Payable:
      £288,183.20
    • Total Interest Payable:
      £112,739.20
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 2.49%. 26 monthly payments of £784.20. The total amount payable would be £288,983.20 made up of the loan amount plus interest £112,739.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.40% APRC representative.

  • Clydesdale Bank 2.69% Discounted Variable to 31/07/2019 (2.01% disc)
  • Mortgage Type
    variable
  • Initial Rate
    2.69%
    Discounted Variable to 31/07/2019 (2.01% disc)
  • APRC
    4.50%
  • Monthly Payment
    £801.93
  • Max LTV
    80%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Clydesdale Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.69% Discounted Variable to 31/07/2019 (2.01% disc)
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £801.93 x 26
    • Ongoing Monthly Payments:
      £801.93 x 26
    • Total Amount Payable:
      £289,104.50
    • Total Interest Payable:
      £113,660.50
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Clydesdale Bank
    Visit Clydesdale Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 2.69%. 26 monthly payments of £801.93. The total amount payable would be £289,904.50 made up of the loan amount plus interest £113,660.50 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

  • Yorkshire Bank 2.69% Discounted Variable to 31/07/2019 (2.01% disc)
  • Mortgage Type
    variable
  • Initial Rate
    2.69%
    Discounted Variable to 31/07/2019 (2.01% disc)
  • APRC
    4.50%
  • Monthly Payment
    £801.93
  • Max LTV
    80%
  • Fees
    £999
  • See deal + Product Details
    • Lender:
      Yorkshire Bank
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £0
    • Max Loan:
      £750,000
    • Product Description:
      2.69% Discounted Variable to 31/07/2019 (2.01% disc)
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      £750 cashback Min £75K of Mortgage Advance
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £801.93 x 26
    • Ongoing Monthly Payments:
      £801.93 x 26
    • Total Amount Payable:
      £289,104.50
    • Total Interest Payable:
      £113,660.50
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Outstanding Balance
    Yorkshire Bank
    Visit Yorkshire Bank for more information about this mortgage
    Find out more
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 2.69%. 26 monthly payments of £801.93. The total amount payable would be £289,904.50 made up of the loan amount plus interest £113,660.50 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

  • NatWest 4.00% 4.00% Variable
  • Mortgage Type
    variable
  • Initial Rate
    4.00%
    4.00% Variable
  • APRC
    4.10%
  • Monthly Payment
    £923.71
  • Max LTV
    80%
  • Fees
    £499
  • See deal + Product Details
    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      4.00% Variable
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £923.71 x 300
    • Ongoing Monthly Payments:
      £923.71 x 300
    • Total Amount Payable:
      £277,612
    • Total Interest Payable:
      £102,113
    • Product Fee:
      £499
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 4.00%. 300 monthly payments of £923.71. The total amount payable would be £277,662 made up of the loan amount plus interest £102,113 and a product fee £499 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Royal Bank of Scotland 4.00% 4.00% Variable
  • Mortgage Type
    variable
  • Initial Rate
    4.00%
    4.00% Variable
  • APRC
    4.10%
  • Monthly Payment
    £923.71
  • Max LTV
    80%
  • Fees
    £499
  • + Product Details
    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      4.00% Variable
    • Incentives:
      Free valuation fees Remortgages
      free legal fees Remortgages
      free valuation admin fees Remortgages
      No Higher Lending Charge (HLC)
    • Initial Monthly Repayment:
      £923.71 x 300
    • Ongoing Monthly Payments:
      £923.71 x 300
    • Total Amount Payable:
      £277,612
    • Total Interest Payable:
      £102,113
    • Product Fee:
      £499
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
    Royal Bank of Scotland
    Call Royal Bank of Scotland for more information about this mortgage
    Lines are open: Monday - Friday 8am - 8pm / Saturday and Sunday 9am - 4pm (excl. public holidays).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 4.00%. 300 monthly payments of £923.71. The total amount payable would be £277,662 made up of the loan amount plus interest £102,113 and a product fee £499 and valuation fee £0. The overall cost for comparison is 4.10% APRC representative.

  • Scottish Widows Bank 1.29% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed to 31/08/2019
  • APRC
    3.40%
  • Monthly Payment
    £682.75
  • Max LTV
    75%
  • Fees
    £749
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.29% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £682.75 x 27
    • Ongoing Monthly Payments:
      £879.14 x 273
    • Total Amount Payable:
      £259,383.50
    • Total Interest Payable:
      £83,439.47
    • Product Fee:
      £749
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/0.75% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £682.75 and 273 monthly payments of £879.14. The total amount payable would be £259,568.50 made up of the loan amount plus interest £83,439.47 and a product fee £749 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Scottish Widows Bank 1.29% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed to 31/08/2019
  • APRC
    3.40%
  • Monthly Payment
    £682.75
  • Max LTV
    75%
  • Fees
    £749
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.29% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £682.75 x 27
    • Ongoing Monthly Payments:
      £879.14 x 273
    • Total Amount Payable:
      £259,383.50
    • Total Interest Payable:
      £83,439.47
    • Product Fee:
      £749
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/0.75% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £682.75 and 273 monthly payments of £879.14. The total amount payable would be £259,568.50 made up of the loan amount plus interest £83,439.47 and a product fee £749 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Yorkshire BS 1.38% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.38%
    Fixed to 31/08/2019
  • APRC
    4.20%
  • Monthly Payment
    £690.06
  • Max LTV
    75%
  • Fees
    £1,230
  • + Product Details
    • Lender:
      Yorkshire BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,001
    • Max Loan:
      £5,000,000
    • Product Description:
      1.38% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £690.06 x 27
    • Ongoing Monthly Payments:
      £968.46 x 273
    • Total Amount Payable:
      £284,741.20
    • Total Interest Payable:
      £108,021.20
    • Product Fee:
      £995
    • Valuation Fee:
      £235
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.38% and then reverting to our variable rate of 4.74% variable for remaining term. 27 monthly payments of £690.06 and 273 monthly payments of £968.46. The total amount payable would be £284,391.20 made up of the loan amount plus interest £108,021.20 and a product fee £995 and valuation fee £235. The overall cost for comparison is 4.20% APRC representative.

  • Scottish Widows Bank 1.44% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 31/08/2019
  • APRC
    3.50%
  • Monthly Payment
    £694.97
  • Max LTV
    75%
  • Fees
    £1,829
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £694.97 x 27
    • Ongoing Monthly Payments:
      £880.47 x 273
    • Total Amount Payable:
      £261,656.50
    • Total Interest Payable:
      £84,132.50
    • Product Fee:
      £1,499
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/0.75% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.44% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £694.97 and 273 monthly payments of £880.47. The total amount payable would be £261,206.50 made up of the loan amount plus interest £84,132.50 and a product fee £1,499 and valuation fee £330. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.54% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.54%
    Fixed to 31/08/2019
  • APRC
    3.50%
  • Monthly Payment
    £703.18
  • Max LTV
    75%
  • Fees
    £1,829
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.54% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £703.18 x 27
    • Ongoing Monthly Payments:
      £881.34 x 273
    • Total Amount Payable:
      £262,115.70
    • Total Interest Payable:
      £84,591.68
    • Product Fee:
      £1,499
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/0.75% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.54% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £703.18 and 273 monthly payments of £881.34. The total amount payable would be £261,665.70 made up of the loan amount plus interest £84,591.68 and a product fee £1,499 and valuation fee £330. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.54% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.54%
    Fixed to 31/08/2019
  • APRC
    3.40%
  • Monthly Payment
    £703.18
  • Max LTV
    75%
  • Fees
    £1,329
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.54% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £703.18 x 27
    • Ongoing Monthly Payments:
      £881.34 x 273
    • Total Amount Payable:
      £261,615.70
    • Total Interest Payable:
      £84,591.68
    • Product Fee:
      £999
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2.25/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.54% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £703.18 and 273 monthly payments of £881.34. The total amount payable would be £261,165.70 made up of the loan amount plus interest £84,591.68 and a product fee £999 and valuation fee £330. The overall cost for comparison is 3.40% APRC representative.

  • Accord Mortgages 1.57% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.57%
    Fixed to 31/07/2019
  • APRC
    4.90%
  • Monthly Payment
    £705.66
  • Max LTV
    75%
  • Fees
    £995
  • + Product Details
    • Lender:
      Accord Mortgages
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.57% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees (Max £695)
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £705.66 x 26
    • Ongoing Monthly Payments:
      £1,045.78 x 274
    • Total Amount Payable:
      £306,375.90
    • Total Interest Payable:
      £129,890.90
    • Product Fee:
      £995
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/19: 2/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 26 months at 1.57% and then reverting to our variable rate of 5.54% variable for remaining term. 26 monthly payments of £705.66 and 274 monthly payments of £1,045.78. The total amount payable would be £306,025.90 made up of the loan amount plus interest £129,890.90 and a product fee £995 and valuation fee £0. The overall cost for comparison is 4.90% APRC representative.

  • Beverley BS 1.58% Discounted Variable for 2 years (3.17% disc)
  • Mortgage Type
    variable
  • Initial Rate
    1.58%
    Discounted Variable for 2 years (3.17% disc)
  • APRC
    4.30%
  • Monthly Payment
    £706.49
  • Max LTV
    75%
  • Fees
    £1,280
  • + Product Details
    • Lender:
      Beverley BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.58% Discounted Variable for 2 years (3.17% disc)
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £706.49 x 24
    • Ongoing Monthly Payments:
      £706.49 x 24
    • Total Amount Payable:
      £287,798.20
    • Total Interest Payable:
      £110,843.20
    • Product Fee:
      £995
    • Valuation Fee:
      £285
    • Exit Admin Fee:
      £175
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 1.58%. 24 monthly payments of £706.49. The total amount payable would be £287,348.20 made up of the loan amount plus interest £110,843.20 and a product fee £995 and valuation fee £285. The overall cost for comparison is 4.30% APRC representative.

  • Chelsea BS 1.59% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.59%
    Fixed to 31/08/2019
  • APRC
    4.30%
  • Monthly Payment
    £707.31
  • Max LTV
    75%
  • Fees
    £1,695
  • + Product Details
    • Lender:
      Chelsea BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,001
    • Max Loan:
      £5,000,000
    • Product Description:
      1.59% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £250 cashback
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £707.31 x 27
    • Ongoing Monthly Payments:
      £970.48 x 273
    • Total Amount Payable:
      £286,073.40
    • Total Interest Payable:
      £109,038.40
    • Product Fee:
      £1,695
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.59% and then reverting to our variable rate of 4.74% variable for remaining term. 27 monthly payments of £707.31 and 273 monthly payments of £970.48. The total amount payable would be £285,873.40 made up of the loan amount plus interest £109,038.40 and a product fee £1,695 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Chelsea BS 1.59% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.59%
    Fixed to 31/08/2019
  • APRC
    4.30%
  • Monthly Payment
    £707.31
  • Max LTV
    75%
  • Fees
    £1,695
  • + Product Details
    • Lender:
      Chelsea BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,001
    • Max Loan:
      £5,000,000
    • Product Description:
      1.59% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees
      free legal fees
      free valuation admin fees
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £707.31 x 27
    • Ongoing Monthly Payments:
      £970.48 x 273
    • Total Amount Payable:
      £285,823.40
    • Total Interest Payable:
      £109,038.40
    • Product Fee:
      £1,695
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.59% and then reverting to our variable rate of 4.74% variable for remaining term. 27 monthly payments of £707.31 and 273 monthly payments of £970.48. The total amount payable would be £286,008.40 made up of the loan amount plus interest £109,038.40 and a product fee £1,695 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

  • Accord Mortgages 1.64% Fixed to 31/07/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.64%
    Fixed to 31/07/2019
  • APRC
    4.90%
  • Monthly Payment
    £711.46
  • Max LTV
    80%
  • Fees
    £995
  • + Product Details
    • Lender:
      Accord Mortgages
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.64% Fixed to 31/07/2019
    • Incentives:
      Free valuation fees (Max £695)
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £711.46 x 26
    • Ongoing Monthly Payments:
      £1,046.47 x 274
    • Total Amount Payable:
      £306,715.80
    • Total Interest Payable:
      £130,230.70
    • Product Fee:
      £995
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/7/19: 2/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 26 months at 1.64% and then reverting to our variable rate of 5.54% variable for remaining term. 26 monthly payments of £711.46 and 274 monthly payments of £1,046.47. The total amount payable would be £306,365.80 made up of the loan amount plus interest £130,230.70 and a product fee £995 and valuation fee £0. The overall cost for comparison is 4.90% APRC representative.

  • first direct 1.64% Fixed for 2 years
  • Mortgage Type
    fixed
  • Initial Rate
    1.64%
    Fixed for 2 years
  • APRC
    3.50%
  • Monthly Payment
    £711.46
  • Max LTV
    75%
  • Fees
    £1,647
  • + Product Details
    • Lender:
      first direct
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £30,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.64% Fixed for 2 years
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £711.46 x 24
    • Ongoing Monthly Payments:
      £879.69 x 276
    • Total Amount Payable:
      £261,516.50
    • Total Interest Payable:
      £84,869.48
    • Product Fee:
      £1,450
    • Valuation Fee:
      £197
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3/2% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 24 months at 1.64% and then reverting to our variable rate of 3.69% variable for remaining term. 24 monthly payments of £711.46 and 276 monthly payments of £879.69. The total amount payable would be £261,566.50 made up of the loan amount plus interest £84,869.48 and a product fee £1,450 and valuation fee £197. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.64% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.64%
    Fixed to 31/08/2019
  • APRC
    3.50%
  • Monthly Payment
    £711.46
  • Max LTV
    75%
  • Fees
    £1,329
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.64% Fixed to 31/08/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £711.46 x 27
    • Ongoing Monthly Payments:
      £882.20 x 273
    • Total Amount Payable:
      £262,074
    • Total Interest Payable:
      £85,050.02
    • Product Fee:
      £999
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2.25/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.64% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £711.46 and 273 monthly payments of £882.20. The total amount payable would be £261,624 made up of the loan amount plus interest £85,050.02 and a product fee £999 and valuation fee £330. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.69% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed to 31/08/2019
  • APRC
    3.40%
  • Monthly Payment
    £715.62
  • Max LTV
    75%
  • Fees
    No Fees
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat BritainNo arrangement fees
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £715.62 x 27
    • Ongoing Monthly Payments:
      £882.64 x 273
    • Total Amount Payable:
      £260,477.50
    • Total Interest Payable:
      £85,282.46
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2.75/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £715.62 and 273 monthly payments of £882.64. The total amount payable would be £260,662.50 made up of the loan amount plus interest £85,282.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Scottish Widows Bank 1.69% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.69%
    Fixed to 31/08/2019
  • APRC
    3.40%
  • Monthly Payment
    £715.62
  • Max LTV
    75%
  • Fees
    No Fees
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Fixed to 31/08/2019
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat BritainNo arrangement fees
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £715.62 x 27
    • Ongoing Monthly Payments:
      £882.64 x 273
    • Total Amount Payable:
      £260,477.50
    • Total Interest Payable:
      £85,282.46
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2.75/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.69% and then reverting to our variable rate of 3.74% variable for remaining term. 27 monthly payments of £715.62 and 273 monthly payments of £882.64. The total amount payable would be £260,662.50 made up of the loan amount plus interest £85,282.46 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Scottish Widows Bank 1.69% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    1.69%
    Variable for 2 years
  • APRC
    3.50%
  • Monthly Payment
    £715.62
  • Max LTV
    75%
  • Fees
    £1,329
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.69% Variable for 2 years
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £715.62 x 24
    • Ongoing Monthly Payments:
      £884.43 x 276
    • Total Amount Payable:
      £263,301.60
    • Total Interest Payable:
      £86,277.56
    • Product Fee:
      £999
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2.5/1.2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a tracker 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 £715.62 and 276 monthly payments of £884.43. The total amount payable would be £262,851.60 made up of the loan amount plus interest £86,277.56 and a product fee £999 and valuation fee £330. The overall cost for comparison is 3.50% APRC representative.

  • Yorkshire BS 1.72% Fixed to 31/08/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.72%
    Fixed to 31/08/2019
  • APRC
    4.30%
  • Monthly Payment
    £718.12
  • Max LTV
    85%
  • Fees
    £1,230
  • + Product Details
    • Lender:
      Yorkshire BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.72% Fixed to 31/08/2019
    • Incentives:
      £250 cashback
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £718.12 x 27
    • Ongoing Monthly Payments:
      £971.71 x 273
    • Total Amount Payable:
      £286,136.10
    • Total Interest Payable:
      £109,666.10
    • Product Fee:
      £995
    • Valuation Fee:
      £235
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/19: 2/1% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 27 months at 1.72% and then reverting to our variable rate of 4.74% variable for remaining term. 27 monthly payments of £718.12 and 273 monthly payments of £971.71. The total amount payable would be £286,036.10 made up of the loan amount plus interest £109,666.10 and a product fee £995 and valuation fee £235. The overall cost for comparison is 4.30% APRC representative.

  • Yorkshire BS 1.74% Fixed to 31/08/2020
  • Mortgage Type
    fixed
  • Initial Rate
    1.74%
    Fixed to 31/08/2020
  • APRC
    4.10%
  • Monthly Payment
    £719.79
  • Max LTV
    75%
  • Fees
    £1,230
  • + Product Details
    • Lender:
      Yorkshire BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,001
    • Max Loan:
      £5,000,000
    • Product Description:
      1.74% Fixed to 31/08/2020
    • Incentives:
      £250 cashback
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £719.79 x 39
    • Ongoing Monthly Payments:
      £960.84 x 261
    • Total Amount Payable:
      £280,321.10
    • Total Interest Payable:
      £103,851
    • Product Fee:
      £995
    • Valuation Fee:
      £235
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/8/20: 3/2/1% Mortgage Advance
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 39 months at 1.74% and then reverting to our variable rate of 4.74% variable for remaining term. 39 monthly payments of £719.79 and 261 monthly payments of £960.84. The total amount payable would be £280,221.10 made up of the loan amount plus interest £103,851 and a product fee £995 and valuation fee £235. The overall cost for comparison is 4.10% APRC representative.

  • Coventry BS 1.75% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.75%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £720.63
  • Max LTV
    75%
  • Fees
    £999
  • + Product Details
    • Lender:
      Coventry BS
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.75% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees (Max £670)
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £720.63 x 25
    • Ongoing Monthly Payments:
      £951.01 x 36
    • Total Amount Payable:
      £275,736.20
    • Total Interest Payable:
      £99,737.21
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 25 months at 1.75% and then reverting to our variable rate of 4.49% variable for remaining term. 25 monthly payments of £720.63 and 36 monthly payments of £951.01. The total amount payable would be £275,786.20 made up of the loan amount plus interest £99,737.21 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

  • Scottish Widows Bank 1.79% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    1.79%
    Variable for 2 years
  • APRC
    3.50%
  • Monthly Payment
    £723.98
  • Max LTV
    75%
  • Fees
    £1,329
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.79% Variable for 2 years
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £723.98 x 24
    • Ongoing Monthly Payments:
      £885.20 x 276
    • Total Amount Payable:
      £263,714.70
    • Total Interest Payable:
      £86,690.72
    • Product Fee:
      £999
    • Valuation Fee:
      £330
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2.5/1.2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
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    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a tracker rate for 24 months at 1.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £723.98 and 276 monthly payments of £885.20. The total amount payable would be £263,264.70 made up of the loan amount plus interest £86,690.72 and a product fee £999 and valuation fee £330. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.79% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    1.79%
    Variable for 2 years
  • APRC
    3.50%
  • Monthly Payment
    £723.98
  • Max LTV
    75%
  • Fees
    No Fees
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.79% Variable for 2 years
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat BritainNo arrangement fees
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £723.98 x 24
    • Ongoing Monthly Payments:
      £885.20 x 276
    • Total Amount Payable:
      £261,885.70
    • Total Interest Payable:
      £86,690.72
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2.75/1.2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a tracker rate for 24 months at 1.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £723.98 and 276 monthly payments of £885.20. The total amount payable would be £262,070.70 made up of the loan amount plus interest £86,690.72 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Scottish Widows Bank 1.79% Variable for 2 years
  • Mortgage Type
    tracker
  • Initial Rate
    1.79%
    Variable for 2 years
  • APRC
    3.50%
  • Monthly Payment
    £723.98
  • Max LTV
    75%
  • Fees
    No Fees
  • + Product Details
    • Lender:
      Scottish Widows Bank
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £50,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.79% Variable for 2 years
    • Incentives:
      Free valuation fees Great Britain
      £300 cashbackGreat Britain or free legal feesGreat BritainNo arrangement fees
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £723.98 x 24
    • Ongoing Monthly Payments:
      £885.20 x 276
    • Total Amount Payable:
      £261,885.70
    • Total Interest Payable:
      £86,690.72
    • Product Fee:
      £0
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2.75/1.2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a tracker rate for 24 months at 1.79% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £723.98 and 276 monthly payments of £885.20. The total amount payable would be £262,070.70 made up of the loan amount plus interest £86,690.72 and a product fee £0 and valuation fee £0. The overall cost for comparison is 3.50% APRC representative.

  • Beverley BS 1.82% Discounted Variable for 2 years (2.93% disc)
  • Mortgage Type
    variable
  • Initial Rate
    1.82%
    Discounted Variable for 2 years (2.93% disc)
  • APRC
    4.40%
  • Monthly Payment
    £726.51
  • Max LTV
    80%
  • Fees
    £1,280
  • + Product Details
    • Lender:
      Beverley BS
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      1.82% Discounted Variable for 2 years (2.93% disc)
    • Incentives:
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £726.51 x 24
    • Ongoing Monthly Payments:
      £726.51 x 24
    • Total Amount Payable:
      £288,836.20
    • Total Interest Payable:
      £111,881.20
    • Product Fee:
      £995
    • Valuation Fee:
      £285
    • Exit Admin Fee:
      £175
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially at 1.82%. 24 monthly payments of £726.51. The total amount payable would be £288,386.20 made up of the loan amount plus interest £111,881.20 and a product fee £995 and valuation fee £285. The overall cost for comparison is 4.40% APRC representative.

  • Coventry BS 1.85% Fixed to 30/06/2019
  • Mortgage Type
    fixed
  • Initial Rate
    1.85%
    Fixed to 30/06/2019
  • APRC
    4.00%
  • Monthly Payment
    £729.03
  • Max LTV
    85%
  • Fees
    £999
  • + Product Details
    • Lender:
      Coventry BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      1.85% Fixed to 30/06/2019
    • Incentives:
      Free valuation fees (Max £670)
      free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Website:
    • Initial Monthly Repayment:
      £729.03 x 25
    • Ongoing Monthly Payments:
      £951.86 x 36
    • Total Amount Payable:
      £276,175.20
    • Total Interest Payable:
      £100,176.20
    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/6/19: 2/1% Sum Repaid
    Get advice about the UK mortgage market from MCB Financial Services
    • Clear advice on the right mortgage for you
    • We’ll compare 1,000s of mortgage deals so you don’t have to
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Arrange a callback
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Representative example: A mortgage of £175,000 payable over 25 years initially on a fixed rate for 25 months at 1.85% and then reverting to our variable rate of 4.49% variable for remaining term. 25 monthly payments of £729.03 and 36 monthly payments of £951.86. The total amount payable would be £276,225.20 made up of the loan amount plus interest £100,176.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 4.00% APRC representative.

The above results are based on a repayment mortgage of £175,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 70% 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, 26/05/2017.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 £175,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 70% 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, 01:37 27/05/2017.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.
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More about offset mortgages

If you've got substantial savings and a mortgage on your house you can link the two together to get a better rate.

You could, of course, use your savings to put up a bigger deposit upfront for your home and pay less in interest on your mortgage as a result. But if you don't want to tie up your capital because you need it for other things, or if you think that you can make it work harder for you elsewhere, an offset mortgage could be a good option for you.

It works by offsetting the amount of money you have in a linked account from your mortgage payment. So if you had £50,000 savings and a mortgage for £200,000, you would only pay interest on £150,000.

An offset mortgage can also be particularly suitable to people who are able to save regularly or who come into semi-regular windfalls like work bonuses.

Further benefits of an offset mortgage often include the ability to make additional contributions to your mortgage, above and beyond your regular repayments, and the option to take payment holidays at set intervals.

Usually, your lender will stipulate that the money in your linked account cannot fall below a certain level. This is to ensure that there is less chance of you falling into default and so that the bank can count on your funds to lend out to other customers (though it's still yours, of course).

Click here to read our handy guide covering the different types of mortgage available in the UK.