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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, ranked 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

1.99% 2 Years 3.94% 3.8% APR 60%
Our opinion: DISCOUNT – HSBC are offering this discount rate at 1.99% for 2 Years. A deposit of 40% is required and there is a £1499 arrangement fee payable. There will be an Early Repayment Charge payable during the discount period.

Leeds BS

 2.45% 2 Years 5.69% 5.4% APR 75%
Our opinion: DISCOUNT – Leeds BS have released this 2 year discount at only 2.45%. The arrangement fee is £999 and you will require a 25% deposit. An early repayment charge applies for the discount period.

first direct

 1.99% 2 Years 3.69% 3.6% APR 65%
Our opinion: TRACKER - This variable mortgage charges 1.49% above base rate for two years, giving a current pay rate of 1.99%. The arrangement fee is £1499 and a minimum deposit of 35% is required. There is no Early Repayment Charge on this product.

Santander

0800 028 4035

 2.09% 2 Years 4.24% 4% APR 60%
Our opinion: TRACKER -This variable mortgage charges 1.59% above base rate for two years, giving a current pay rate of 2.09%. The arrangement fee is £1995 and a minimum deposit of 40% is required. An early repayment charge is payable for the tracker rate period.

Chelsea BS

 2.39% March 2014 5.79% 5.4% APR 70%
Our opinion: TRACKER– This variable mortgage charges 1.89% above base rate until March 2014, giving a current pay rate of 2.39%. The fee £1,495 and a 30% deposit is required. An early repayment charge applies.

HSBC

 2.28% April 2014 3.94% 3.9% APR 60%
Our opinion: FIXED – HSBC are offering this low 2 year fixed rate at only 2.28%, the fee is £1999 and a 40% deposit is needed. An early repayment charge applies for the fixed rate period.

Santander

0800 028 4035

 2.35% April 2014 4.24% 4.1% APR 60%
Our opinion: FIXED – Santander are offering this low 2 year fixed rate at only 2.35%, the fee is £1995 and a 40% deposit is needed. An early repayment charge applies for the fixed rate period.

Chelsea BS

 2.94% March 2015 5.79% 5.3% APR 70%
Our opinion: FIXED – Chelsea BS are offering this 3 year fixed rate at only 2.94%, the fee is £1,895 and a 30% deposit is required. An early repayment charge applies for the fixed period.

first direct

 3.28% 5 Years 3.69% 3.8% APR 65%
Our opinion: FIXED – first direct are offering this low 5 year fixed rate at 3.28%, a deposit of 35% is required. An early repayment charge applies for the fixed rate period.

Chelsea BS

 3.29% March 2017 5.79% 5% APR 70%
Our opinion: FIXED – Chelsea BS are offering this 5 year fixed rate at 3.29%, the fee is £1,495 and a 30% deposit is required. An early repayment charge applies for the fixed period.

Fixed

Mortgages with a fixed rate for an initial term, ranked 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

 2.28% April 2014 3.94% 3.9% APR 60%
Our opinion: FIXED – HSBC are offering this low 2 year fixed rate at only 2.28%, the fee is £1999 and a 40% deposit is needed. An early repayment charge applies for the fixed rate period.

Santander

0800 028 4035

 2.35% April 2014 4.24% 4.1% APR 60%
Our opinion: FIXED – Santander are offering this low 2 year fixed rate at only 2.35%, the fee is £1995 and a 40% deposit is needed. An early repayment charge applies for the fixed rate period.

Market Harborough BS

 2.69% February 2014 5.49% 5.1% APR 75%
Our opinion: FIXED – Market Harborough BS are offering this 2 year fixed rate at 2.69%, the fee is £1595 and a 25% deposit is needed. An early repayment charge applies until 28/02/2014.

Chelsea BS

 2.94% March 2015 5.79% 5.3% APR 70%
Our opinion: FIXED – Chelsea BS are offering this 3 year fixed rate at only 2.94%, the fee is £1,895 and a 30% deposit is required. An early repayment charge applies for the fixed period.

Cumberland BS

 2.98% February 2015 4.49% 4.4% APR 75%
Our opinion: FIXED – Cumberland BS are offering this 3 year fixed rate at 2.98%, a deposit of only 25% is required. An early repayment charge applies for the fixed rate period.

Leeds BS

 3.04% February 2015 5.69% 5.3% APR 75%
Our opinion: FIXED – Leeds BS are offering this 3 year fixed rate at 3.04%, a deposit of only 25% is required. An early repayment charge applies for the fixed rate period. You will need to take out the providers home insurance to qualify for this rate.

first direct

 3.28% 5 Years 3.69% 3.8% APR 65%
Our opinion: FIXED – first direct are offering this low 5 year fixed rate at 3.28%, a deposit of 35% is required. An early repayment charge applies for the fixed rate period.

Chelsea BS

 3.29% March 2017 5.79% 5% APR 70%
Our opinion: FIXED – Chelsea BS are offering this 5 year fixed rate at 3.29%, the fee is £1,495 and a 30% deposit is required. An early repayment charge applies for the fixed period.

Yorkshire BS

 3.39% February 2017 4.99% 4.5% APR 75%
Our opinion: FIXED – Yorkshire BS are offering this 5 year fixed rate at 3.39%, a deposit of 25% is required and there is a £995 arrangement fee. An early repayment charge applies for the fixed rate period.

Britannia BS

 3.39% April 2017 4.24% 4.1% APR 75%
Our opinion: FIXED – Britannia BS are offering this 5 year fixed rate at 3.39%, the fee is £999 and a 25% deposit is required. An early repayment charge is payable until 30/04/2017.

Chelsea BS

 3.64% March 2019 5.79% 4.8% APR 70%
Our opinion: FIXED – Chelsea BS are offering this 7 year fixed rate at 3.64%, a deposit of 30% is required, the arrangement fee is only £395 and the product comes with £200 cashback. An early repayment charge applies for the fixed rate period.

Trackers & Discounted

Mortgages where the rate either tracks the Bank of England base rate or lender base rate and mortgages that are discounts off the lenders SVR, ranked on lowest payrate. Where a providers logo is displayed products may be applied for directly.

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

first direct

 1.99% 2 Years 3.69% 3.6% APR 65%
Our opinion: TRACKER - This variable mortgage charges 1.49% above base rate for two years, giving a current pay rate of 1.99%. The arrangement fee is £1499 and a minimum deposit of 35% is required. There is no Early Repayment Charge on this product.

Santander

0800 028 4035

 2.09% 2 Years 4.24% 4% APR 60%
Our opinion: TRACKER -This variable mortgage charges 1.59% above base rate for two years, giving a current pay rate of 2.09%. The arrangement fee is £1995 and a minimum deposit of 40% is required. An early repayment charge is payable for the tracker rate period. This product is available for remortgages only.

Chelsea BS

 2.39% March 2014 5.79% 5.4% APR 70%
Our opinion: TRACKER– This variable mortgage charges 1.89% above base rate until March 2014, giving a current pay rate of 2.39%. The fee £1,495 and a 30% deposit is required. An early repayment charge applies.

NatWest

 2.45% March 2014 4% 3.9% APR 60%
Our opinion: TRACKER– This variable mortgage charges 1.95% above base rate for 2 years, giving a current pay rate of 2.45%. The fee is £999 and a 40% deposit is required. An early repayment charge is payable until 31/03/2014.

Market Harborough BS

 2.48% 2 Years 5.49% 5% APR 75%
Our opinion: TRACKER - This variable mortgage charges 1.98% above base rate for two years, giving a current pay rate of 2.48%. The arrangement fee is £845 and a minimum deposit of 25% is required. There is no Early Repayment Charge on this product.

HSBC

 2.49% Term 3.94% 2.5% APR 65%
Our opinion: TRACKER - This variable mortgage charges 1.99% above base rate for the term of the mortgage, giving a current pay rate of 2.49%. There is no arrangement fee and a minimum deposit of 35% is required. There is no Early Repayment Charge on this product.

Yorkshire BS

 2.49% February 2014 4.99% 4.7% APR 75%
Our opinion: TRACKER - This variable mortgage charges 1.99% above base rate for 2 years, giving a current pay rate of 2.49%. There is a £995 arrangement fee and a minimum deposit of 25% is required. There is an Early Repayment Charge on this product.

HSBC

 1.99% 2 Years 3.94% 3.8% APR 60%
Our opinion: DISCOUNT – HSBC are offering this discount rate at 1.99% for 2 Years. A deposit of 40% is required and there is a £1499 arrangement fee payable. There will be an Early Repayment Charge payable during the discount period.

Leeds BS

 2.45% 2 Years 5.69% 5.4% APR 75%
Our opinion: DISCOUNT – Leeds BS have released this 2 year discount at only 2.45%. The arrangement fee is £999 and you will require a 25% deposit. An early repayment charge applies for the discount period.

Melton Mowbray BS

 2.59% 3 Years 4.99% 4.4% APR 60%
Our opinion: DISCOUNT – Melton Mowbray BS are offering this discount rate at 2.59% for 3 years. A deposit of 40% deposit is required, there is an Early Repayment Charge for 1 year and there is a £598 product fee payable.

Fees Free

Mortgages with no booking or arrangement fees to pay, ranked on lowest payrate. Where 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% Term 3.94% 2.5% APR 65%
Our opinion: TRACKER - This variable mortgage charges 1.99% above base rate for the term of the mortgage, giving a current pay rate of 2.49%. There is no arrangement fee and a minimum deposit of 35% is required. There is no Early Repayment Charge on this product.

first direct

 2.69% 2 Years 3.69% 3.6% APR 65%
Our opinion: TRACKER -This variable mortgage charges 2.19% above base rate for two years, giving a current pay rate of 2.69%. There is no arrangement fee payable and a minimum deposit of 35% is required. No early repayment charge is payable.

Cumberland BS

 2.85% 5 Years 4.49% 3.8% APR 75%
Our opinion: TRACKER -This variable mortgage charges 2.35% above base rate for 5 years, giving a current pay rate of 2.85%. There is no arrangement fee payable and a minimum deposit of 25% is required. There is an Early Repayment Charge payable for 5 years.

HSBC Bank

 2.49% 2 Years 3.94% 3.8% APR 60%
Our opinion: DISCOUNT – HSBC are offering this discount rate at 2.49% for 2 years. A 40% deposit is required and there is an Early Repayment Charge payable for 2 Years. There is no arrangement fee payable.

Market Harborough BS

 2.65% 3 Years 5.49% 4.8% APR 75%
Our opinion: DISCOUNT – Market Harborough BS are offering this discount rate at 2.65% for 3 years. A deposit of 25% is required and there is no arrangement fee payable. There will be an Early Repayment Charge payable.

Principality BS

 3.14% March 2014 4.99% 4.9% APR 75%
Our opinion: FIXED – Principality BS are offering this 2 year fixed rate at 3.14%, there is no arrangement fee payable and a 25% deposit is needed. An early repayment charge is payable until 31/03/2014.

NatWest

 3.15% March 2014 4% 4% APR 60%
Our opinion: FIXED – NatWest are offering this 2 year fixed rate at 3.15%, there is no arrangement fee payable and a 40% deposit is needed. An early repayment charge applies for the fixed rate period.

first direct

 3.19% 2 Years 3.69% 3.7% APR 65%
Our opinion: FIXED – first direct are offering this 2 year fixed rate at 3.19%, there is no arrangement fee payable and a 35% deposit is needed. An early repayment charge applies for the fixed rate period.

Clydesdale Bank

 3.29% April 2014 4.59% 4.6% APR 65%
Our opinion: FIXED – Clydesdale Bank are offering this 2 year fixed rate with a 65% loan to value and a current rate of 3.29%. There is no arrangement fee payable and an early repayment charge applies for the fixed rate period.

Halifax

 3.29% March 2014 3.99% 4% APR 60%
Our opinion: FIXED – Halifax are offering this 2 year fixed rate with a 60% loan to value and a current rate of 3.29%. There is no arrangement fee payable and an early repayment charge is payable until 31/03/2014.

Low Deposit

Mortgages suitable for those with a deposit of 10% or more, ranked 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

Share to Buy

 3.79% Term 4.24% 3.9% APR 90%
Our opinion: DISCOUNT – FOR JOINT APPLICATIONS BY GRADUATES ONLY. Competitive discount deal with no arrangement or valuation fees. What sets this deal apart is that it is not only a fee free low rate deal, but there are no early repayment charges. The minimum loan is £75,000.

HSBC

 3.84% 2 Years 3.94% 4% APR 90%
Our opinion: DISCOUNT – HSBC are offering this low 2 year discount rate at 3.84%. There is no arrangement fee and a minimum deposit of only 10% is required. An Early Repayment Charge is payable.

HSBC

 4.59% Term 3.94% 4.7% APR 90%
Our opinion: TRACKER -This variable mortgage charges 4.09% above base rate for the term of the mortgage, giving a current pay rate of 4.59%. There is no arrangement fee and a minimum deposit of only 10% is required. There is no Early Repayment Charge payable.

NatWest

 4.89% March 2014 4% 4.4% APR 90%
Our opinion: TRACKER -This variable mortgage charges 4.39% above base rate for 2 years, giving a current pay rate of 4.89%. The arrangement fee is £999 and a minimum deposit of 10% is required. An Early Repayment Charge is payable with this product.

Skipton BS

 4.98% 2 Years 4.95% 5.2% APR 90%
Our opinion: TRACKER -This variable mortgage charges 4.48% above base rate for 2 years, giving a current pay rate of 4.98%. The arrangement fee is £995 and a minimum deposit of only 10% is required. An Early Repayment Charge is payable for 2 years.

Leek United BS

 3.99% January 2015 5.19% 5.1% APR 90%
Our opinion: FIXED – Leek United BS are offering this 3 year fixed rate with a 90% loan to value and a current rate of 3.99%. The fee is £995 and an early repayment charge applies for the fixed rate period. The minimum loan for this product is £75K.

Chelsea BS

 4.49% March 2014 5.79% 5.8% APR 90%
Our opinion: FIXED– Chelsea BS are offering this 2 year fixed rate at 4.49%. The fee is £1,495 and a 10% deposit is required. An early repayment charge is payable until 31st March 2014.

Yorkshire BS

 4.49% February 2014 4.99% 5.1% APR 90%
Our opinion: FIXED– Yorkshire BS are offering this 2 year fixed rate at 4.49%. The fee is £995 and a 10% deposit is required. An early repayment charge is payable until 28/02/2014.

HSBC

 4.89% April 2017 3.94% 4.4% APR 90%
Our opinion: FIXED – HSBC are offering this fixed rate at 4.89% for 5 years. A low deposit of only 10% is required and an Early Repayment Charge is payable for the fixed rate period. There is no arrangement fee.

Leeds BS

 4.94% February 2017 5.69% 5.8% APR 90%
Our opinion: FIXED – Leeds BS are offering this fixed rate at 4.94% for 5 years. A deposit of only 10% is required and the arrangement fee is £999. An Early Repayment Charge is payable for the fixed rate period. You will need to take out the providers home insurance to qualify for this rate.

Offset

Mortgages with an offset facility attached, ranked 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

first direct

 2.18% 2 Years 3.69% 3.7% APR 65%
Our opinion: TRACKER -This variable mortgage charges 1.68% above base rate for two years, giving a current pay rate of 2.18%. The arrangement fee is £1499 and a minimum deposit of 35% is required. There is no Early Repayment Charge payable on this product.

Chelsea BS

 2.59% March 2014 5.79% 5.5% APR 70%
Our opinion: TRACKER– This variable mortgage charges 2.09% above base rate for 2 years, giving a current pay rate of 2.59%. The fee is £1,495 and a 30% deposit is required. An early repayment charge applies on this product.

Coventry BS

 2.59% December 2013 4.74% 4.4% APR 65%
Our opinion: TRACKER -This variable mortgage charges 2.09% above base rate for two years, giving a current pay rate of 2.59%. The rate reverts to the SVR, currently 4.74%, for 3 years and then to a variable rate of 4.49% for the term of the mortgage. The arrangement fee is £999 and a minimum deposit of 35% is required. . There is an Early Repayment Charge payable on this product.

Yorkshire BS

 2.69% February 2014 4.99% 4.7% APR 75%
Our opinion: TRACKER -This variable mortgage charges 2.19% above base rate for two years, giving a current pay rate of 2.69%. The arrangement fee is £995 and a minimum deposit of 25% is required. . An early repayment charge applies on this product.

Market Harborough BS

 2.75% 2 Years 5.49% 3.8% APR 80%
Our opinion: TRACKER -This variable mortgage charges 2.25% above base rate for two years, giving a current pay rate of 2.75%. The arrangement fee is £645 and a minimum deposit of only 20% is required. There is no early repayment charge with this mortgage.

first direct

 2.88% 3 Years 3.69% 3.7% APR 65%
Our opinion: FIXED – first direct are offering a 3 year fixed product at a rate at 2.88%. You will require a deposit of 35% and an early repayment charge applies for the fixed rate period.

Coventry BS

 2.95% December 2013 4.74% 4.5% APR 65%
Our opinion: FIXED – For those with a 35% deposit, Coventry BS are offering a 2-year rate of 2.95%, the rate reverts to the SVR, currently 4.74%, for 3 years and then to a variable rate of 4.49% for the term of the mortgage. The arrangement fee is £999 and there is an early repayment charge payable.

Chelsea BS

 2.99% March 2014 5.79% 5.5% APR 70%
Our opinion: FIXED – A 2 year fixed product is on offer from Chelsea building society at a rate of 2.99%. You will require a deposit of 30% and an early repayment charge applies for the fixed rate period.

Yorkshire BS

 3.04% February 2014 4.99% 4.8% APR 75%
Our opinion: FIXED – Yorkshire BS are offering a 2 year fixed product at a rate of 3.04%. You will require a deposit of 25% and an early repayment charge is payable until 28/02/2014.

Norwich & Peterborough BS

0845 508 1884

 3.09% 2 Years 4.99% 4.8% APR 75%
Our opinion: FIXED – Norwich & Peterborough BS are offering this 2 year fixed product at a rate of 3.09%. You will require a deposit of 25% and an early repayment charge applies for 2 years.

Buy to Let

Mortgages suitable for those with a 40% deposit who are looking for a buy to let mortgage, ranked 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

Principality BS

 2.74% March 2014 4.99% 4.8% APR 60%
Our opinion: TRACKER -This variable mortgage charges 2.24% above base rate for two years, giving a current pay rate of 2.74%. The arrangement fee is 2.5% of the loan and a minimum deposit of 40% is required. An Early Repayment Charge is payable until 31/03/2014.

Northern Rock

 3.05% March 2014 4.79% 4.9% APR 60%
Our opinion: TRACKER -This variable mortgage charges 2.55% above base rate for two years, giving a current pay rate of 3.05%. The arrangement fee is 3.5% of the loan and a minimum deposit of 40% is required. An Early Repayment Charge is payable until 01/03/2014 with this product.

Nottingham BS

 3.29% 2 Years 6.54% 6.1% APR 60%
Our opinion: TRACKER - This variable mortgage charges 2.79% above base rate for two years, giving a current pay rate of 3.29%. A minimum deposit of 40% is required. An Early Repayment Charge is payable with this product.

Coventry BS

 3.49% March 2014 4.74% 4.7% APR 65%
Our opinion: TRACKER -This variable mortgage charges 2.99% above base rate for two years, giving a current pay rate of 3.49%. The arrangement fee is £1249 and the booking fee is £250. A minimum deposit of 35% is required and an Early Repayment Charge is payable until 31/03/2014.

The Mortgage Works

 3.49% March 2014 4.99% 5.2% APR 65%
Our opinion: TRACKER -This variable mortgage charges 2.99% above base rate for two years, giving a current pay rate of 3.49%. The arrangement fee is 3.5% and a minimum deposit of 35% is required. An Early Repayment Charge is payable with this product.

Northern Rock

 3.25% March 2014 4.79% 5% APR 60%
Our opinion: FIXED – Northern Rock have released this 2 year fixed rate at 3.25%, the fee is 3.5% of the loan and you will need a 40% deposit to qualify. An early repayment charge applies for the fixed rate period.

Nottingham BS

 3.59% January 2014 6.54% 6.2% APR 60%
Our opinion: FIXED – Nottingham BS are offering a 2 year fixed rate at 3.59%. The arrangement fee is £1999 and you will require a deposit of 40%, an early repayment charge applies for the fixed rate period.

Coventry BS

 3.75% March 2014 4.74% 4.9% APR 65%
Our opinion: FIXED – Coventry BS are offering this 2 year fixed rate at 3.75%. You will require a deposit of 35% and an Early Repayment Charge is payable until 31/03/2014.

BM Solutions

 3.79% March 2014 4.84% 5.1% APR 60%
Our opinion: FIXED – A 2 year fixed rate product is being offered by BM Solutions with a rate of 3.79%. The fee is 2.5% of the loan and an early repayment charge applies for the fixed rate period.

The Mortgage Works

 3.89% March 2014 4.99% 5.4% APR 65%
Our opinion: FIXED – A fixed rate product is being offered by The Mortgage Works at a rate of 3.89% until March 2014. The fee is 3.5% and you will need a deposit of 35%. An early repayment charge applies for the fixed rate period.

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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.

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

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