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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
Mortgages suitable for those remortgaging, sourced based on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
| Lender |
Initial Rate |
Until |
Subsequent Rate |
Overall Cost for Comparison |
Max Loan To Value |
Proceed |
|
HSBC Bank
|
2.49%
|
2 Years
|
3.94%
|
3.8% APR
|
60%
|
|
|
Our opinion: DISCOUNT – HSBC have released this best buy discount product. The rate is excellent at only 2.49% but you will need a 40% deposit. The fee is £999 and an Early Repayment Charge applies for the first 2 years.
|
|
Hanley Economic BS
|
2.95%
|
2 Years
|
4.74%
|
4.7% APR
|
75%
|
|
|
Our opinion: DISCOUNT - This is a competitive two-year discount available for those with a deposit of 25% or more. The arrangement fee is £949 although those remortgaging receive free legal work. An early repayment charge applies during the discounted term.
|
|
Clydesdale Bank
|
2.99%
|
December 2011
|
4.59%
|
4.6% APR
|
60%
|
|
|
Our opinion: DISCOUNT – Competitive 2 year discount product for those looking to remortgage. The rate is 2.99% and the fee is £999, although you will need a deposit of 40%. An Early Repayment Charge applies until December 2011.
|
|
Abbey
0800 032 4260
|
2.69%
|
2 Years
|
4.24%
|
4.1% APR
|
70%
|
|
|
Our opinion: TRACKER - Excellent rate of 2.69%, available to those with a deposit of 30% or more. There is a £995 arrangement fee although those remortgaging receive free legal work and up to £1,190 of valuation fees paid. An early repayment charge applies for the two-year term. If you don’t want to be tied in for two years, an alternative is one of the term trackers which have no penalties at any time.
|
|
Woolwich
0800 197 1059
|
2.77%
|
Term
|
2.77%
|
2.9% APR
|
70%
|
|
|
Our opinion: TRACKER – The rate on this tracker is 2.27% above BBR for the term of the loan, giving a current rate of 2.77%. The fee is £999 and a deposit of at least 30% is required. Unusually for term trackers, an early repayment charge applies, although only until 31/01/2012.
|
|
ING Direct
|
2.79%
|
December 2011
|
3.5%
|
3.5% APR
|
75%
|
|
|
Our opinion: TRACKER – ING Direct are currently offering this 2-year tracker that is available with a 25% deposit. It comes with a product fee of £795, which includes a £195 booking fee paid on application. There will be an Early Repayment Charge payable until 31/12/2011.
|
|
Abbey
0800 032 4260
|
3.69%
|
Febuary 2012
|
4.24%
|
4.3% APR
|
70%
|
|
|
Our opinion: FIXED - If you’re looking for a two-year fix and have a 30% deposit, this is a highly competitive deal, particularly if you’re remortgaging. There is a £799 arrangement fee although those remortgaging receive up to £1,190 to cover the cost of the valuation. An early redemption charge applies until the end of the fixed term, which is 02/02/2012.
|
|
Hanley Economic BS
|
3.69%
|
November 2011
|
4.74%
|
4.8% APR
|
70%
|
|
|
Our opinion: FIXED - Highly competitive product available for loans up to 70% of the property’s value. Rate is fixed until 30/11/2011 and the booking fee is £895. Those remortgaging receive £250 towards legal costs. An early redemption charge applies throughout the fixed term.
|
|
first direct
|
3.69%
|
2 Years
|
3.69%
|
3.8% APR
|
60%
|
|
|
Our opinion: FIXED – first direct are currently offering a 2 year fixed product at 3.69%. The combined booking and arrangement fee is only £498 and a 40% deposit is required. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.
|
Fixed
Mortgages with a fixed rate initial term, sourced on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
Base Rate Trackers
Mortgages where the initial term is a base rate tracker, sourced on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
10% Deposit
Mortgages suitable for those with a 10% deposit, sourced based on payrate. Where a provider's logo is displayed products may be applied for directly.
Buy to Let
Mortgages suitable for those with a 40% deposit who are looking to purchase a buy to let property, sourced on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
1st Time Buyers
Mortgages suitable for first time buyers with a maximum 15% deposit, sourced based on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
Offset
Mortgages with an offset facility attached, sourced based on lowest payrate. Where a provider's logo is displayed products may be applied for directly.
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Potentially knock years off your mortgage by having an offset mortgage
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Mortgage Guide
A mortgage is a sum of money borrowed from a bank, building society or other lenders
in order to buy a property. The mortgage is then repaid over time, together with
added interest. There are many different types of home loans – including fixed,
discounted and even offset mortgages – which is why an apparently cheap mortgage
deal may not always be best for your needs. Take a look at our guide to
finding a cheap mortgage deal.
Why use us for your Mortgage requirements?
Whether you are a first-time buyer looking for a new mortgage or aiming to switch home loans at the end of a deal with an existing lender, you want to find the best option to meet your needs.
That’s not always as easy as it seems: there are thousands of mortgages available at any one time, from various lenders. They cover just about every type of deal and cater for all sorts of different requirements.
For example, a new homebuyer may want the security of a fixed rate mortgage and an existing borrower may just want a cheap remortgage deal – and those with bad credit will simply be looking for a specialised lender willing to give them a chance.
All borrowers, regardless of personal status, want to be able to compare the best mortgages on the market and find out what might suit them. Which is where our mortgage comparison service can help. It covers the entire market – be it trackers, fee-free, flexible or self-certified loans – and, effectively acting as a mortgage calculator, can tell you within seconds what products might suit you best.
To find the right deal, all you do is answer some simple questions. Our search tool will narrow down the field on your behalf, tell you what loans are available, how long the deals last for and their true cost.
The service even tells you the monthly payments and how much interest you might pay, allowing you to decide if it is affordable or not. You can then apply, either online or by phone.
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