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Mortgages

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Latest Rate Update
Commercial - Introductory Rate: 2.50%

SVR rate: 2.50%; Overall cost for comparison: 2.5% APR 1

Tracker - Introductory Rate: 3.09%

SVR rate: 3.50%; Overall cost for comparison: 3.6% APR 2

Fixed rate - Introductory Rate: 3.18%

SVR rate: 4.74%; Overall cost for comparison: 4.5% APR 3

Offset Tracker - Introductory Rate: 3.45%

SVR rate: 3.45%; Overall cost for comparison: 3.6% APR 4

Flexible - Introductory Rate: 3.59%

SVR rate: 3.59%; Overall cost for comparison: 3.7% APR 5

First Time Buyer - Introductory Rate: 3.75%

SVR rate: 5.99%; Overall cost for comparison: 5.6% APR 6

Buy-to-let - Introductory Rate: 3.89%

SVR rate: 4.79%; Overall cost for comparison: 5.0% APR 7

Adverse - Introductory Rate: 4.44%

SVR rate: 5.20%; Overall cost for comparison: 5.4% APR 8

About the mortgage

  1. With all mortgages, the amount you can borrow is dependent on your current income and expenditure. Most lenders will be looking to lend up to around four times your income, less your outgoings (typically living expenses as well as loan and credit card repayments.)
  2. This is the current market valuation of the property or the agreed purchase price for that property between you and the vendor. If you are looking for a remortgage it would be worth checking to see if the value has increased/decreased since your last valuation.
  3. Choosing the right type of mortgage

    There are a range of mortgage types available in the market, make sure you are applying for the right type for your individual needs.

    A Buy/Purchase mortgage is when you are looking to buy a new residential property you do not currently have a mortgage on for owner occupation.

    A Buy to Let mortgage is when you plan on buying a property as an investment and do not plan on living in the property but instead plan on renting it out to tenants.

    A Remortgage occurs if you are looking to switch your current mortgage from one lender to another without moving properties. Your current mortgage will be paid off by your new mortgage lender. Depending on your equity this could also allow you to raise additional funds.

    A Council Right to Buy mortgage is available to council tenants looking to purchase their council property at a discounted price. As a tenant you must fulfil a set criteria with regards to the type of property and how long you have been a resident there.

    An Equity Release mortgage allows a person (usually retired and over 60 years old) to release money from a property which will be repaid by the sale of the property at the time of the person’s death.

    A Business/Commercial Mortgage is required when borrowing money to purchase a property intended for business use.

About you

  8. 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.

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Your home may be repossessed if you do not keep up repayments on a mortgage. Failing to adhere to repayment terms may result in penalty charges and affect your credit history.

Your property may be repossessed if you do not keep up repayments on your mortgage. Failing to adhere to repayment terms may result in penalty charges and affect your credit history.

An Equity Release Plan will reduce the value of your Estate, will not be suitable for everyone and may affect your entitlement to state benefit. To understand the features and risks ask for a personalised illustration.

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* Rates may depend on your individual circumstances.

1. This rate is 2% above the Bank of England base rate (currently 0.50%). The rate is available with Abbey, Skipton Building Society and Barclays among others and is subject to the amount borrowed and the basis of application. Lenders arrangement fee typically 1% of the gross advance subject to the amount borrowed and will be agreed on a case by case scenario. Early repayment charges are subject to lender. Rates correct as of 13/03/2012.

2. Available with ING DIRECT. 2 year tracker mortgage, initial rate at base +2.59%, currently 3.09%. Then reverts to the standard variable rate, currently 3.5% (variable). The overall cost for comparison is 3.6% APR. Product fee of £945. Borrow up to 60% of house value. Rates correct as of 04/05/2012.

3. Available with Coventry. 3.18% fixed for 2 years. Then reverts to the standard variable rate, currently 4.74% (variable). The overall cost for comparison is 4.5% APR. Borrow up to 65% of your house value. Product fee £999. Rates correct as of 04/05/2012.

4. Available with Coventry. Offset variable rate for term, initial rate of 3.45% . Subsequent rate thereafter of 3.45% (variable) for the remainder of the term. The overall cost for comparison is 3.6% APR. Borrow up to 65% of the value of your home. You can offset your current accounts and savings against your mortgage balance. Product fee of £999 . Rates correct as of 04/05/2012.

5. Available with Santander Mortgages. Initial rate currently 3.59%, subsequent rate 3.59% (variable). The overall cost for comparison is 3.70% APR. Borrow up to 75% of the value of your home. Maximum loan value of £1,000,000. Application Fee £995. You can offset your current accounts, savings and ISA's against your mortgage balance. With a Santander fully flexible mortgage you can vary the payments to suit your circumstances. Rates correct as of 13/03/2012.

6. Available with Accord. 2 year tracker mortgage, initial rate at base + 3.25%, currently 3.75% until 31/05/2014. Then reverts to the standard variable rate, currently 5.99% (variable). The overall cost for comparison is 5.60% APR. Borrow up to 75% of your house value. Product fee £1900. Rates correct as of 05/04/2012.

7. Available with Northern Rock. 2 year tracker cashback 3.75%, tracking 3.48% above the base rate. Then reverts to the standard variable rate, currently 4.79% (variable) for the remainder of the term. The overall cost for comparison is 5.0% APR. Cashback incentive of £500. £99 Application Fee. 2.5% product fee. Borrow up to 60% of house value. Rates correct as of 27/04/2012.

8. Available with Kensington Mortgages. 2 year fixed product at 4.44% initial rate. Subsequent rate 5.2% (variable). The overall cost for comparison is 5.4% APR. Borrow up to 60% of the value of your home. Based on £50,000 mortgage over 25 years. Product fee of £999. Rates correct as of 11/05/2012.

Please note the rates and products displayed are updated regularly. However, due to market fluctuations some details may be out of date. We do not take any responsibility for the accuracy of the information although we will always do our best to ensure the material is up to date. Please check rates with the provider before committing to a product. Remember, alternative deals may be available in the market.

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