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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

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.

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

first direct

 2.39% Term 2.39% 2.5% APR 65%
Our opinion: TRACKER - A term tracker with a rate of only 2.39%. The arrangement fee is £999 and a 35% deposit is required. There is no Early Repayment Charge payable on this product.

Santander

0800 032 4260

 2.49% 2 Years 4.24% 4.1% APR 70%
Our opinion: TRACKER – Santander are currently offering this 2-year tracker product with a rate of 2.49%. A 30% deposit will be required to secure this rate and there is an arrangement fee of £995. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

HSBC Bank

 2.49% Term 2.49% 2.6% APR 60%
Our opinion: TRACKER - Market-leading lifetime tracker if you have a deposit of 40% or more. There is a £999 arrangement fee but no early redemption charge at any time so customers can make unlimited overpayments without penalty.

Yorkshire BS

 2.49% February 2012 4.99% 4.7% APR 60%
Our opinion: TRACKER – A 2 year Tracker product is on offer from the Yorkshire building society with a rate of only 2.49%. The fee is £1,195 and you need a deposit of 40%. An early repayment charge applies until 28/02/2012.

ING Direct

0800 328 8897

 2.54% 2 Years 3.5% 3.5% APR 60%
Our opinion: TRACKER – ING Direct are offering this 2-year tracker rate of 2.54%. Tracks at 2.04% above the Bank of England base rate. Reverts to the Standard Variable Rate of 3.5%. There is a non-refundable product fee of £795, which includes a £195 booking fee payable upon application. Early Repayment Charge of 2% for the first 2 years

Woolwich ( Barclays)

0800 197 1059

 2.63% Term 2.63% 2.7% APR 70%
Our opinion: TRACKER – The rate on this tracker is 2.13% above BBR for the term of the loan, giving a current rate of 2.63%. 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 30/04/2012.

Nationwide

2.64% 2 Years 3.99% 3.9% APR 70%
Our opinion: TRACKER - A competitive rate although not quite the market-leader. A deposit of 30% is required to secure the mortgage. The arrangement fee is £995 and an early repayment charge applies for the two-year term.

Leek United BS

 2.69% 3 Years 5.19% 4.9% APR 75%
Our opinion: TRACKER – A 3 year tracker product is being offered by Leek United building society, the rate is 2.69% and it comes with a decent loan to value of 75%. An early repayment charge is payable for the first 3 years.

NatWest

0800 158 2921

 2.99% February 2012 4% 4.1% APR 80%
Our opinion: TRACKER – NatWest are offering a 2-year tracker product with a rate of only 2.99%. The fee is £999 and only a 20% deposit is required. There will be an Early Repayment Charge payable until February 2012.

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.

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

first direct

 3.29% 2 Years 3.69% 3.8% APR 75%
Our opinion: FIXED - Market-leading two-year fixed rate available for loans up to 75% of the property’s value. There is a £998 arrangement fee although those remortgaging receive free legal work. An early repayment charge applies throughout the fixed term.

Yorkshire BS

 3.29% February 2012 4.99% 4.9% APR 60%
Our opinion: FIXED – An excellent rate of only 3.29% for 2 years is available from the Yorkshire building society, the fee is £1,195 and you will need a deposit of 40% to qualify. An early repayment charge is payable until 28/02/2012.

Market Harborough BS

 3.44% March 2012 5.49% 5.3% APR 75%
Our opinion: FIXED – Market Harborough have a 2 year product on offer for those with a 25% deposit, the rate is only 3.44% and the arrangement fee is £1,094. An early repayment charge applies until 31/03/2012.

Santander

0800 032 4260

 3.44% May 2012 4.25% 4.4% APR 70%
Our opinion: FIXED - Fixed until 02/05/2012, this is a competitive deal available to those who have a deposit of 30% or more. There is a £995 arrangement fee although those remortgaging receive a free basic valuation. An early repayment charge applies during the fixed term.

ING Direct

0800 328 8897

 4.29% February 2013 3.5% 3.9% APR 75%
Our opinion: FIXED – ING Direct are offering this 3-year fixed rate of 4.29%. Fixed until 28/02/13. Reverts to the Standard Variable Rate of 3.5%. There is a non-refundable product fee of £795, which includes a £195 booking fee payable upon application. Early Repayment Charge of 3% for the first 12 months, 2% for the remaining fixed rate period.

Chelsea BS

 4.4% February 2012 5.79% 5.8% APR 80%
Our opinion: FIXED – This is the market leading rate for those with a deposit of 20%, the fee is fixed at 4.40% for 2 years and the fee is £995. An early repayment charge applies until 28/02/2012.

Leeds BS

 4.7% April 2015 5.49% 5.5% APR 60%
Our opinion: FIXED – Leeds are offering the cheapest 5 year rate at 4.70%, although you have to take out the providers home insurance to qualify for the reduced rate. The fee is £999 and a 40% deposit is required. An early repayment charge applies until April 2015.

HSBC Bank

 4.73% March 2015 3.94% 4.4% APR 60%
Our opinion: FIXED – HSBC have released this leading five-year fixed rate. There is £999 booking fee which is non-refundable, although anyone remortgaging receives free legal work. Note, that this product is only available to those with a deposit of 40% or more. An early repayment charge applies until March 2015.

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.

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

Santander

0800 032 4260

 4.99% 2 Years 4.24% 4.6% APR 90%
Our opinion: TRACKER – Santander are currently offering the cheapest 90% LTV product on the market, the rate is excellent at only 4.99% for 2 years. The fee is £995 and an early repayment charge applies for 2 years.

HSBC Bank

 5.19% Term 5.19% 5.4% APR 90%
Our opinion: TRACKER - If you need to borrow 90% and are looking for a long-term deal, this is a really competitive product. Unlimited overpayments and lump sum payments are allowed without charge. The arrangement fee is £999 and there is no early repayment charge.

Lloyds TSB

 5.99% Term 2.5% 6.3% APR 90%
Our opinion: TRACKER – A Term tracker is available from Lloyds with a rate of 5.99%, although there are cheaper tracker rates this product comes with just a £99 booking fee. An early repayment charge is payable until 31/03/2012.

Saffron BS

 5.89% November 2012 5.39% 5.7% APR 90%
Our opinion: FIXED – The Saffron are offering a 3 year 90% LTV product for those moving home. The rate is 5.89% and the fee is £995. For those who live in the local Saffron area the product is available for first time buyers. An Early Repayment Charge is payable until 30/11/2012.

HSBC Bank

 5.99% March 2012 3.94% 4.5% APR 90%
Our opinion: FIXED - You will pay a premium if you want the security of a fixed rate. However, this is the leading 2-year fix for 90% mortgages. The fee is below average at £599 and an early repayment charge applies during the fixed term.

Yorkshire Bank

 5.99% April 2012 4.59% 5.1% APR 90%
Our opinion: FIXED - A well priced 2 year fixed rate, with an arrangement fee of £999. The product allows you to borrow up to 90% of the property's value. There will be an Early Repayment Charge payable until April 2012.

Clydesdale Bank

 6.69% April 2015 4.59% 5.8% APR 90%
Our opinion: FIXED – A long-term fixed rate is on offer from the Clydesdale Bank with a rate of 6.69% for 5 Years. The fee is £999 and an Early Repayment Charge is payable until 30/04/2015.

First Active

 6.79% February 2012 2.79% 3.6% APR 90%
Our opinion: FIXED – First Active have a short-term fixed product for those with a 10% deposit. The rate is 6.79% until February 2012 and the fee is £699. There will be an Early Repayment Charge payable until 29/02/2012.

Royal Bank of Scotland

 6.89% February 2015 4% 5.6% APR 90%
Our opinion: FIXED – This long term fixed rate from RBS is available with a 90% loan to value. The arrangement fee is £999 and the product allows you to overpay by 10% of the outstanding balance each year without penalty. There will be an Early Repayment Charge payable until 28/02/2015.

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

 2.29% 2 Years 3.94% 3.9% APR 60%
Our opinion: DISCOUNT – HSBC have released this best buy discount product. The rate is excellent at only 2.29% but you will need a 40% deposit. The fee is £1,499 and an Early Repayment Charge applies for the first 2 years.

Market Harborough BS

 2.95% 2 Years 5.49% 5.2% APR 75%
Our opinion: DISCOUNT – A 2-year product is available from Market Harborough with a rate of 2.95%. The combined arrangement and booking fee is only £245 and it comes with the added bonus of having no early repayment charge.

first direct

 2.39% Term 2.39% 2.5% APR 65%
Our opinion: TRACKER - A term tracker with a rate of only 2.39%. The arrangement fee is £999 and a 35% deposit is required. There is no Early Repayment Charge payable on this product.

Santander

0800 032 4260

 2.49% 2 Years 4.24% 4.1% APR 70%
Our opinion: TRACKER – Santander are currently offering this 2-year tracker product with a rate of 2.49%. A 30% deposit will be required to secure this rate and there is an arrangement fee of £995. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

HSBC Bank

 2.49% Term 2.49% 2.6% APR 60%
Our opinion: TRACKER - Market-leading lifetime tracker if you have a deposit of 40% or more. There is a £999 arrangement fee but no early redemption charge at any time so customers can make unlimited overpayments without penalty.

Yorkshire BS

 2.49% February 2012 4.99% 4.7% APR 60%
Our opinion: TRACKER – A 2 year Tracker product is on offer from the Yorkshire building society with a rate of only 2.49%. The fee is £1,195 and you need a deposit of 40%. An early repayment charge applies until 28/02/2012.

first direct

 3.29% 2 Years 3.69% 3.8% APR 75%
Our opinion: FIXED - Market-leading two-year fixed rate available for loans up to 75% of the property’s value. There is a £998 arrangement fee although those remortgaging receive free legal work. An early repayment charge applies throughout the fixed term.

Yorkshire BS

 3.29% February 2012 4.99% 4.9% APR 60%
Our opinion: FIXED – An excellent rate of only 3.29% for 2 years is available from the Yorkshire building society, the fee is £1,195 and you will need a deposit of 40% to qualify. An early repayment charge is payable until 28/02/2012.

Market Harborough BS

 3.44% March 2012 5.49% 5.3% APR 75%
Our opinion: FIXED – Market Harborough have a 2 year product on offer for those with a 25% deposit, the rate is only 3.44% and the arrangement fee is £1,094. An early repayment charge applies until 31/03/2012.

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.

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

Share to Buy

 4.29% Term 4.24% 4.5% APR 85%
Our opinion: VARIABLE - Highly competitive variable 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 so you are never tied in. Only available for joint applications by graduates.

Yorkshire BS

 4.49% February 2012 4.99% 5.1% APR 85%
Our opinion: TRACKER – Yorkshire building society are offering an excellent product for those with a 15% deposit. The rate is 4.49% for 2 years and the fee is only £495. An early repayment charge applies until 28/02/2012.

NatWest

0800 158 2921

 4.69% February 2012 4% 4.3% APR 90%
Our opinion: TRACKER - This is a great deal available only to first-time buyers needing to borrow up to 90% of the property’s value. Not only is the rate market-leading, but there is also no arrangement fee. However, it is a tracker so your payments will rise if base rate goes up although you can switch onto a fixed rate after three months. An early repayment charge applies until 29/02/2012.

HSBC Bank

 5.19% Term 5.19% 5.4% APR 90%
Our opinion: TRACKER - If you need to borrow 90% and are looking for a long-term deal, this is a really competitive product. Unlimited overpayments and lump sum payments are allowed without charge. The arrangement fee is £999 and there is no early repayment charge.

Lloyds TSB

 5.09% March 2013 2.5% 3.4% APR 95%
Our opinion: FIXED – Lloyds TSB are offering this Lend a Hand product exclusive for first time buyers. The buyer will need a 5% deposit along with a helper who is prepared to offer another 20% of the property value (to be held in a special Lend a Hand savings account and on which they will earn 4.15% interest) as additional security for the mortgage. The mortgage rate would be 5.09% for 3 years with a fee of £995.

Leeds BS

 5.5% February 2015 5.49% 6% APR 85%
Our opinion: FIXED – Leeds BS are offering a long-term fixed rate for those with a 15% deposit. The rate is 5.50% until February 2015 and the fee is £999. To qualify for this rate you must take out the provider’s home insurance. An Early Repayment Charge is payable until February 2015.

The Co-operative Bank

 5.69% April 2013 4.24% 4.8% APR 85%
Our opinion: FIXED - Leading rate on a three-year fix for loans up to 85% of the property’s value. The combined booking and arrangement fee is £999. An early repayment charge applies until April 2013.

Nationwide

 5.74% 2 Years 3.99% 4.7% APR 85%
Our opinion: FIXED - Market-leading two-year fixed rate for loans up to 85% of the property’s value. There is a £995 arrangement fee and an early redemption charge applies during the fixed term. However, more competitive rates are available if you are happy to lock in to a longer term fix or go for a variable rate deal.

Yorkshire BS

 5.84% February 2013 4.99% 5.4% APR 85%
Our opinion: FIXED – A first time buyer only product is available from the Yorkshire building society with a fixed rate of 5.84%. The incentives include no product fee, free standard valuation and 1% cashback of the loan amount. An early repayment charge applies until 28/02/2013.

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.

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

first direct

 2.39% Term 2.39% 2.5% APR 65%
Our opinion: <b>TRACKER</b> - A term tracker with a rate of 2.39%. The arrangement fee is £999 and a 35% deposit is required. There is no Early Repayment Charge payable on this product.

Yorkshire BS

 2.59% February 2012 4.99% 4.7% APR 60%
Our opinion: TRACKER – Yorkshire building society have a 2-year tracker offset product on offer with a rate of only 2.59%. The combined arrangement and booking fee is £1,195 and a 40% deposit is needed. An early repayment charge is payable until 28/02/2012.

Scottish Widows

 2.89% 2 Years 3.99% 3.9% APR 60%
Our opinion: TRACKER – A short-term tracker product is being offered by Scottish Widows. The rate is 2.89% for 2 years, the fee is £999 and a 40% deposit is needed. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

first direct

 3.29% 2 Years 3.69% 3.8% APR 75%
Our opinion: FIXED - Market-leading two-year fixed rate available for loans up to 75% of the property’s value. There is a £998 arrangement fee although those remortgaging receive free legal work. An early repayment charge applies throughout the fixed term.

Yorkshire BS

 3.39% February 2012 4.99% 4.9% APR 60%
Our opinion: FIXED – A short-term fixed offset rate is being offered from the Yorkshire, the rate is only 3.39% until February 2012. The fee is £1,195 and a 40% deposit is needed. An early repayment charge is payable until 28/02/2012.

Scottish Widows Bank

 4.39% March 2012 3.99% 4.1% APR 75%
Our opinion: FIXED - If you’re wanting a fixed rate offset this is the leading rate for those looking to borrow 75% of the property’s value. The rate is fixed until 31/03/2012 and an early repayment charge applies during that time. There is a £999 arrangement fee.

Clydesdale Bank

 2.99% April 2012 4.59% 4.6% APR 60%
Our opinion: DISCOUNT - Competitive rate although this is a two-year discounted product and there are slightly lower rates available on some lifetime tracker offsets. A deposit of at least 40% is required, and this deal is available to house purchasers and those looking to remortgage . There is a £999 fee and an early repayment charge applies until 30/04/2012.

Market Harborough BS

 3.1% 2 Years 5.49% 4% APR 75%
Our opinion: DISCOUNT - Competitive two-year discounted rate for loans up to 75% of the property’s value. There are lower rates available, particularly if you have a deposit of 30% or more. The arrangement fee is £995 although borrowers receive £10 cashback and up to £550 of the valuation fee refunded. It’s worth noting that there is no early repayment charge.

Marsden BS

 4.25% January 2013 5.49% 5.7% APR 60%
Our opinion: DISCOUNT – This 3 year discount product is currently on offer from the Marsden Building Society. The arrangement and booking fee is £898 and there is a free basic valuation for properties worth up to £500,000. There is no Early Repayment Charge payable with this product.

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.

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

Principality BS

 3.49% March 2012 4.99% 5.2% APR 60%
Our opinion: TRACKER – A short-term tracker product is being offered by the Principality with a rate of 3.49% for 2 years. The fee is 3.5% of the loan and you will need a deposit of 40%. An early repayment charge applies until 31/03/2012.

The Mortgage Works

 3.64% March 2012 4.69% 5% APR 60%
Our opinion: TRACKER – This 2 year tracker product is available from The Mortgage Works with a rate of 3.64%. The arrangement fee is 3.5% of the loan amount, with a minimum fee payable of £595. There will be an Early Repayment Charge payable until March 2012.

BM Solutions

 4.1% 2 Years 3.99% 4.4% APR 60%
Our opinion: TRACKER – This tracker product from BM Solutions will require a 40% deposit. The arrangement fee is 3.0% of the amount borrowed and the rental income must cover 125% of the mortgage payments. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

NatWest

 4.99% February 2012 4.5% 5% APR 75%
Our opinion: TRACKER - Highly competitive deal for those needing to borrow up to 75% of the property’s value. The rate is variable so repayments could vary. There is a £1,999 arrangement fee although those remortgaging receive a free standard valuation and free legal work. An early redemption charge applies until 29/02/2012.

Coventry BS

 4.49% Term 4.74% 4.7% APR 60%
Our opinion: VARIABLE – A term product is on offer from the Coventry with a fee of £1,050. There are no restrictions on monthly overpayments or lump sum payments. It also comes with having no early repayment charge.

BM Solutions

 4.25% April 2012 4.74% 4.9% APR 60%
Our opinion: FIXED – A 2 year fixed product is on offer from BM Solutions with a rate of only 4.25%. The arrangement fee is £999 and the rental income must cover 125% of the mortgage payments. There will be an Early Repayment Charge payable until 01/04/2012.

Principality BS

 4.69% March 2012 4.99% 5.2% APR 60%
Our opinion: FIXED – The Principality have a 2 year product with a rate of 4.69%, the fee is £999 and a 40% deposit is needed. There will be an early repayment charge payable until March 2012.

Coventry BS

 4.74% March 2012 4.74% 5% APR 60%
Our opinion: FIXED – The Coventry building society are offering a 2 year fixed rate of 4.74%. Up to £680 of the valuation fee is paid and an early repayment charge of 4% is payable until 31/03/2012.

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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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