Mortgages
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Our mortgage calculator compares thousands of mortgages and remortgage products
Kevin Mountford
Head of Mortgages
About Kevin
'Hi, over 15,000 people research and arrange their mortgage
requirements here every day'
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Mortgage Best Buys
Mortgage types explained
Our best buys supply the Daily & Sunday Times, Telegraph, Independent, Express, Mirror, Sun, What Mortgage & Your Mortgage
Remortgage
Scenario: £180k mortgage, min 40% deposit & sourced by complete cost. Results ordered by type & payrate
| Lender |
Initial Rate |
Until |
Subsequent Rate |
Overall Cost for Comparison |
Max Loan To Value |
Proceed |
|
Abbey
0871 855 1282
|
4.49%
|
February 2011
|
5.44%
|
6.7% APR
|
60%
|
|
|
Our opinion: FIXED – this product is available specifically for remortgages, and offers a competitive rate with an arrangement fee of £995. A 40% deposit will be required, and there is a maximum loan amount of £250,000.
|
|
Cheltenham & Gloucester
0871 855 1549
|
5.14%
|
February 2012
|
5%
|
5.6% APR
|
75%
|
|
|
Our opinion: FIXED – a short-term fixed product is being offered by the C&G. The rate is excellent at only 5.14% until February 2012, the arrangement fee is £1,995 and a 25% deposit is required.
|
|
Bank of Ireland
0871 855 1135
|
5.29%
|
December 2011
|
5.49%
|
6.5% APR
|
80%
|
|
|
Our opinion: FIXED – Bank of Ireland have released this 3 year product, the rate is 5.29% until December 2011. The fee is £999 and a 20% deposit is required.
|
|
Mansfield BS
0871 855 1730
|
5.64%
|
2 Years
|
6.89%
|
7% APR
|
75%
|
|
|
Our opinion: FIXED – The Mansfield are offering a short-term fixed product, with a rate of 5.64% for 2 years. The fee is £999 and a 25% deposit is needed. Up to £400 of the valuation fee is refunded when you remortgage.
|
|
NatWest
0871 855 0554
|
5.74%
|
January 2011
|
5.19%
|
5.6% APR
|
75%
|
|
|
Our opinion: FIXED – NatWest have this remortgage only product with a rate of 5.74% for 2 years. The fee is reasonable at £999 and a 25% deposit is needed. The product comes with a free standard valuation and all legal fees paid.
|
|
Market Harborough BS
0871 855 1735
|
5.95%
|
Term
|
5.95%
|
6.2% APR
|
75%
|
|
|
Our opinion: DISCOUNT – this is a term product with no arrangement fee. There is a minimum loan amount of £35,000 and a 25% deposit will be required. The provider is currently offering to refund a basic valuation fee on completion up to a value of £300.
|
|
HSBC Bank
0871 855 1235
|
3.99%
|
Term
|
3.99%
|
4.2% APR
|
60%
|
|
|
Our opinion: BASE TRACKER – HSBC have released this new special BRT tracker product. The rate is only 3.99% for the term of the mortgage, the fee is £799 but you will need a large deposit of at least 40%.
|
|
Derbyshire BS
0871 855 0820
|
5.99%
|
Term
|
5.99%
|
6.4% APR
|
80%
|
|
|
Our opinion: BASE RATE TRACKER – The Derbyshire have released this tracker in line with the base rate cut. The rate is 5.99% for the term of the mortgage, the fee is reasonable at £999 and a 20% deposit is needed.
|
Adverse Credit
Light adverse - 1 CCJ, medium adverse - 2 CCJs and 1 default, heavy adverse - 3 CCJs and 2 defaults
