Mortgages

Compare Mortgages: Fixed Rate Mortgages, First Time Buyer Mortgages, Bad Credit Mortgages, Buy to Let Mortgages & Commercial Mortgages

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  1. Self-certification mortgages are generally available to people who are unable to provide evidence of all their income. This will generally be self-employed people, but also sometimes employees. This may be for a number of reasons, such as: accounts not yet ready, 2nd job, income from bonus or overtime etc...
  2. An IVA is an Individual Voluntary Arrangement, this is an arrangement that allows someone who is unable to pay their debts to continue in business so they can pay off the debts without being made bankrupt. A CCJ is a County Court Judgement, this could be issued against you if you owe someone money and have been unable to pay.

Based on your criteria BeatThatQuote.com will introduce you to a Financial Services Authority regulated specialist who will be able to help you with your enquiry.

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  • 2. Tell us more about yourself, so we can find an offer tailored to your needs.
  • 3. We'll help you find available deals in the market place.
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Mortgage Best Buys:

Get a selection of rates and deals by checking out our best buy tables below:
Calculate your mortgage repayments*
Mortgage Type Duration Initial Rate Subsequent Rate Overall Cost for Comparison Notes Action
Step Lifetime Tracker until 30.04.2011 1.98% (Base+ 2.49%) currently 2.99% 3.00% APR Borrow up to 60% of the value of your home. Application Fee £999.
Call To Apply
08454680658
Tracker 2 year 2.63% 4.24% 4.10% APR Borrow up to 70% of house value. Booking fee £995
Call To Apply
08454680656
Tracker Term 2.89% Base + 2.39% currently 2.89% 2.90% APR Fees Free Mortgage, Maximum loan size, £500,000, Borrow up to 65% of house value.
Offset Tracker Term 2.97% (Base+ 2.47%) currently 2.97% 3.10% APR Borrow up to 70% of the value of your home. Minimum loan value of £150,000. Application Fee £1,499.
Call To Apply
08454680658
Tracker 2 year 2.99% 4.24% 4.20% APR Borrow up to 75% of house value. Booking fee £995
Call To Apply
08454680656
Lifetime Tracker Term 2.99% (Base+ 2.49%) currently 2.99% 3.00% APR Borrow up to 70% of the value of your home. Minimum Loan £50,000. No Application Fee.
Call To Apply
08454680658
Fixed 2 year 3.29% 3.69% 3.80% APR Borrow up to 75% of house value. Booking fee £499
Lifetime Tracker Term 3.29% Base + 2.79% currently 3.29% 3.40% APR Application fees £499, Borrow up to 80% of house value.
Variable N/A 3.75% 3.75% 3.80% APR The One account combines your mortgage and salary (and, if you wish, savings) into one place. Enabling your money to work harder reducing your overall mortgage balance.
Call To Apply
08454680727
Fixed 2 year 3.79% 3.69% 3.80% APR Borrow up to 75% of house value. Booking fee £99.
Fixed Until 30/04/2012 3.89% (Base+ 1.99%) currently 2.49% 2.80% APR Borrow up to 70% of the value of your home. Application Fee £199.
Call To Apply
08454680658
Fixed 2 Years 4.99% 4.24% 4.60% APR Borrow up to 80% of house value. Booking fee £995
Call To Apply
08454680656
Buy to Let Fixed Portfolio until 02/05/2013 5.49% (Base+2.49%) currently 2.99% 3.90% APR Borrow up to 60% of the value of your home. Minimum Loan £35k Maximun loan £1 million. Application Fee 1.25% of Laon (Min. £1,250)
Call To Apply
08454680658

Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgage

A remortgage is a mortgage that replaces an existing mortgage borrowed for the purpose of purchasing the property. Remortgage deals are often sought to reduce monthly repayments by finding a mortgage with a lower interest rate, or to free up finance from the increased value of the property.

First Time Buyers

A First time buyer is a potential house buyer who has not previously owned a property. As a first time buyer you need to consider which sort of mortgage you should use and how you should repay it. For this reason, most will use a mortgage broker.

Bad Credit Mortgages

A Bad credit mortgage allows a borrower with a bad credit rating to take out a mortgage, a bad credit mortgageg usually carries higher interest rates.

Bad Credit remortgage

A bad credit remortgage is a way a borrower with a bad credit rating can take out a new mortgage with a new mortgage lender even though they are not moving properties. Often used to free up equity, a bad credit remortgage often carries higher interest rates.

Buy to let mortgages

A buy to let mortgage is a mortgage you can utilise to assist in the purchase of a residential property that you intend to let rather than occupy.

Fixed Mortgages

A Fixed mortgage also known as a Fixed Rate mortgage means your monthly repayments will remain constant for the fixed mortgage term, regardless of the standard variable interest rate in the market place. The benefit of a fixed rate mortgage is that you will know exactly what your repayments are however if the standard variable rate falls below the level at which you fixed you could end up paying more than the market rate.

Flexible Mortgages

A flexible mortgage is the facility to make extra payments when you have extra money. You may also be able to reduce monthly repayments or even take repayment holidays, although you will normally have to build up a reserve through making overpayments before this arrangement is allowed. Such mortgage rates are usually offered on a daily interest basis. Flexible mortgages usually provide a loan drawdown facility that allows you to borrow extra funds at a set predetermined rate.

How to find the Best Mortgages for You

To find a cheap mortgage or the best mortgage rate for you ensure that you shop around. If you apply to one mortgage lender they may decline you for their best rate and suggest you tackle a higher interest rate than initially stated. You should try other mortgage advisors and seek mortgage advice which will allow you to get a good mortgage comparison.

Commercial mortgages

A Commercial mortgage is a mortgage loan issued for the purpose of buying property, and is typically borrowed by companies or organisations to secure business premises.

 

Common Misspellings: morgage, morgages

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* The calculator is based on how much you want to borrow and then calculated against the initial rate. This calculation displayed is for illustration purposes and may vary depending on your financial circumstances and the mortgage provider

1Potential savings may vary depending on the amount you are borrowing and your personal circumstances.

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