Best buys

This is a sample of purchase, remortgage and buy to let mortgages available as at 10th March 2010. 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 setting up costs. When compiling this selection we have taken these other factors into consideration. All examples are based on a property price of £500,000 and a loan amount of £250,000. For bespoke mortgage advice and a recommendation please call 0800 980 9877.

Initial Rate	Features	Loan to Value	APR	Fees	Early Repayment Charge	Notes
RESIDENTIAL
1.84%	TRACKER – 1.34% above Bank Rate for 24 months	70%	4.70%	2%	2% for 24 months	Flexible: can overpay down to £1 balance
2.39%	TRACKER – 1.89 above the Bank Rate until 28th February 2012	65%	5.60%	£1,995	4% until 28/02/2012	Broker exclusive. Maximum loan £750,000
2.49%	TRACKER – 1.99 above the Bank Rate for 24 months	70%	4.10%	£995	2% for 24 months	Maximum loan £550,000
2.60%	TRACKER - 2.1 above Bank Rate until 01/05/12	70%	4.80%	£595	4% until 01/05/12	Everyday tracker
2.69%	TRACKER – 2.19 above Bank Rate until 31/03/12	60%	4.10%	£999	3% until 31/03/12	Maximum loan £1,000,000
3.49%	TRACKER – 2.99 above Bank Rate until 31/03/12	80%	4.60%	£499	3% until 31/03/12	Maximum loan £1,000,000
2.89%	FIXED – until 31/05/2012	70%	5.00%	2% of the loan amount	3% until 31/05/12	Maximum loan £999,999. Overpayments up to 10% allowed penalty free annually
3.39%	FIXED – until 28/02/12	65%	5.90%	£1,995	4% until 28/02/12	Maximum loan £750,000
5.89%	FIXED – until 30/11/12	90%	4.70%	£995	2% until 30/11/12	Maximum loan £550,000
BUY TO LET
2.99%	FIXED – until 31/05/11	60%	4.90%	3.5% of the loan amont	5% until 31/05/11	Maximum loan £1.5m at 50% loan to value
4.74%	FIXED - until 31/03/12	60%	6.00%	£1,549	4% until 31/03/12	Maximum loan £1m. No limit on portfolio value