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Mortgage Hotline - Call Us 0117 313 7780

What is your mortgage for?

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1.74% - 5 Year Fixed 

  • Overall cost for comparison 3.20% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 5 years after which reverts to Scottish Widows variable rate of 3.74%.

Call us for this special offer on 0117 313 7780

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £395.59 per month
Max LTV: 60%
Product fee: £2114.00
Overall cost for comparison: 3.5% APRC
Barclays Bank logo 1.24% Tracker 2 years 3.5% APRC 60% £2114.00 £395.59 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £391.71 per month
Max LTV: 60%
Product fee: £1159.00
Overall cost for comparison: 4.3% APRC
Platform logo 1.24% Tracker 2 years 4.3% APRC 60% £1159.00 £391.71 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.24%
Rate type: Fixed Jan-2020
Monthly cost: £391.71 per month
Max LTV: 60%
Product fee: £1634.00
Overall cost for comparison: 4.1% APRC
Yorkshire Bank logo 1.24% Fixed Jan-2020 4.1% APRC 60% £1634.00 £391.71 per month get quotes
Initial rate: 1.24%
Rate type: Tracker 2 years
Monthly cost: £391.72 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.1% APRC
Skipton BS logo 1.24% Tracker 2 years 4.1% APRC 60% £1061.00 £391.72 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.25%
Rate type: Discount 2 years
Monthly cost: £392.18 per month
Max LTV: 80%
Product fee: £1374.00
Overall cost for comparison: 4.1% APRC
Vernon BS logo 1.25% Discount 2 years 4.1% APRC 80% £1374.00 £392.18 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.28%
Rate type: Discount 2 years
Monthly cost: £397.07 per month
Max LTV: 65%
Product fee: £2365.00
Overall cost for comparison: 4.2% APRC
Beverley BS logo 1.28% Discount 2 years 4.2% APRC 65% £2365.00 £397.07 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Jan-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1114.00
Overall cost for comparison: 3.4% APRC
Barclays Bank logo 1.29% Fixed Jan-2020 3.4% APRC 60% £1114.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Feb-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1259.00
Overall cost for comparison: 4.3% APRC
Santander UK Plc logo 1.29% Fixed Feb-2020 4.3% APRC 60% £1259.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Feb-2020
Monthly cost: £394.04 per month
Max LTV: 60%
Product fee: £1259.00
Overall cost for comparison: 4.3% APRC
Santander UK Plc logo 1.29% Fixed Feb-2020 4.3% APRC 60% £1259.00 £394.04 per month get quotes Call direct0117 313 7780 More details
Initial rate: 1.29%
Rate type: Fixed Dec-2019
Monthly cost: £394.05 per month
Max LTV: 60%
Product fee: £1061.00
Overall cost for comparison: 4.2% APRC
Skipton BS logo 1.29% Fixed Dec-2019 4.2% APRC 60% £1061.00 £394.05 per month get quotes Call direct0117 313 7780 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

10% Deposit Mortgages

Our Mortgage Service

Special features of what we offer include:

  • Whole of market service - we work with most UK lenders
  • Access to loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your  mortgage options call our independent mortgage adviser team on 0117 313 7780 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

10 Percent Deposit Mortgage

10% Deposit Mortgages

Whether you are trying to buy your very first home, remortgage or move you may be wondering what being able to put down a 10% deposit will be able to get you. While it can be possible to secure mortgages with smaller deposits, being able to put down at least 10% of the property value will increase the amount of products available to you. There is a selection of mortgages with Loan to Values of 90% on the market so it is worth shopping around thoroughly before hand to try and find the best product for your specific circumstances, using the calculator above may be able to give you an indication.  

Loan to Value

The Loan to Value (LTV) of a mortgage is the amount borrowed compared to the size of the deposit put down, meaning a mortgage with a 10% deposit will have a LTV of 90%, although having a larger deposit will increase the amount of products available to you as well as decrease the rate of interest you pay on the loan.

Affordability

In addition to being affected by the size of deposit,  the maximum amount of money a potential borrower can borrow from a lender will also be dependent on their affordability, which is generally calculated as being a certain multiple of their annual (combined in the cases of a couple) income. However lenders are required to take into account other factors such as the monthly outgoings of applicants and to stress test if they would still be able to afford their repayments if interest rates were to rise. From this lenders will be able to assess exactly how much they could lend you.

How Do I Get A 10% Mortgage?

Different lenders will have differing lending criteria, meaning not all 10% deposit mortgages will be suitable for all applicants, this is because the lender may require their applicants specific financial circumstances to fulfil certain criteria such as a by having a minimum credit rating requirement.

Using an independent mortgage adviser

There are a range of mortgages available for individuals able to put down 10% deposits on the loan; you may therefore find it helpful to use the services of an independent mortgage adviser. In addition to being able to offer their clients advice about obtaining a mortgage, an adviser which offers a whole-of-market service can search across products from a range of providers to try and find the best products for their client, there is also a selection of mortgages from specialist lenders which can only be applied for via an intermediary.

Fill in our online contact form to request a call back from a Fair Mortgages mortgage adviser, at a time that suits you. Alternatively you can call directly on: 0117 313 7780.

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