Best buys
This is a sample of purchase and remortgage products available on 6th February 2012. There are a number of factors, in addition to the interest rate, which affect the cost of borrowing, such as arrangement fees, early repayment charges and other set-up costs. When compiling this selection we have taken these other factors into consideration. Examples are based on a property price of £800,000 and each product's respective maximum loan-to-value, or a loan of £350,000. For bespoke mortgage advice and a recommendation, please call or e-mail using the details above. Lenders' arrangement fees can be added unless stated.
|
Residential Variable Rates |
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|
Initial Rate |
Features |
Loan to Value |
APR |
Fees |
Early Repayment Charge |
Notes |
|
2.35% |
2 YEAR TRACKER - Bank Rate + 1.85 for 24 months |
60% |
3.80% |
£1,499 |
None |
Private Bank |
|
2.44% |
2 YEAR TRACKER - Bank Rate + 1.94 for 24 months |
75% |
5.50% |
£1,995 |
2% for 24 months |
Max loan £750,000 |
|
2.59% |
2 YEAR TRACKER - Bank Rate + 2.09 for 24 months - OFFSET |
65% |
4.50% |
£995 |
4% for 24 months |
Max loan £1,000,000. Free valuation |
|
3.69% |
LIFETIME TRACKER - Bank Rate + 3.19% for the life of the loan - OFFSET |
70% |
3.80% |
£1,499 |
1% until 28/02/15 |
Max loan £1,000,000. Free valuation |
|
3.19% |
2 YEAR TRACKER - Bank Rate + 2.69 for 24 months |
85% |
5.60% |
£1,995 |
2% until 31/03/14 |
Max loan £750,000 |
|
4.49% |
2 YEAR DISCOUNT - Lender SVR - 0.10% for 24 months - OFFSET |
90% |
4.80% |
£999 |
3% in year one 2% in year two |
Max loan £500,000. FTB only |
|
Residential Fixed Rates |
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|
Initial Rate |
Features |
Loan to Value |
APR |
Fees |
Early Repayment Charge |
Notes |
|
2.85% |
2 YEAR FIXED until 31/03/14 |
60% |
3.90% |
£999 |
3% until 31/03/14 |
Max loan £1,500,000. Free valuation - remortgages |
|
2.99% |
2 YEAR FIXED until 01/03/14 |
70% |
4.60% |
£995 |
2.5% until 01/03/14 |
Max loan £1,000,000. |
|
2.95% |
2 YEAR FIXED until 31/12/13 OFFSET |
65% |
4.60% |
£999 |
3% until 31/01/14 |
Max loan £1,000,000. Free valuation |
|
3.49% |
5 YEAR FIXED until 31/01/17 |
75% |
5.00% |
£1,995 |
5%, 4%, 3% until 31/01/17 |
Max loan £750,000 |
|
4.49% |
5 YEAR FIXED until 31/01/17 |
85% |
5.00% |
0.5% of the loan amount |
6 months interest before 31/01/17 |
Private bank - Max loan £2,000,000. |
|
5.25% |
5 YEAR FIXED until 31/03/17 |
90% |
4.90% |
£199 |
4% until 31/0317 |
Max loan £250,000 |
Buy to let mortgages can be found here