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Mortgage Hotline - Call Us 0117 313 7780

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

Britannia Mortgages

Britannia has now merged with the Co-operative Bank and is no longer offering mortgages to new customers. Check the table below for the most competitive mortgage deals currently available from the Co-operative Bank and all the leading lenders. For more personal mortgage advice, call Fair Mortgages now on 0117 313 7780 or request a quote.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.29%
Rate type: Tracker Feb-2020
Monthly cost: £394.03 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.29% Tracker Feb-2020 3.5% APRC 60% £1273.00 £394.03 per month get quotes Call direct0800 158 2934
Initial rate: 1.4%
Rate type: Fixed Feb-2020
Monthly cost: £399.19 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.4% Fixed Feb-2020 3.5% APRC 60% £1273.00 £399.19 per month get quotes Call direct0800 158 2934
Initial rate: 1.4%
Rate type: Fixed Feb-2020
Monthly cost: £399.19 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.4% Fixed Feb-2020 3.5% APRC 60% £1273.00 £399.19 per month get quotes Call direct0800 158 2934
Initial rate: 1.59%
Rate type: Tracker Feb-2020
Monthly cost: £408.20 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.8% APRC
NatWest logo 1.59% Tracker Feb-2020 3.8% APRC 60% £1273.00 £408.20 per month get quotes Call direct0800 158 2934
Initial rate: 1.59%
Rate type: Tracker Feb-2020
Monthly cost: £408.20 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.6% APRC
NatWest logo 1.59% Tracker Feb-2020 3.6% APRC 60% £1273.00 £408.20 per month get quotes Call direct0800 158 2934
Initial rate: 1.79%
Rate type: Fixed Feb-2023
Monthly cost: £417.82 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.2% APRC
NatWest logo 1.79% Fixed Feb-2023 3.2% APRC 60% £1273.00 £417.82 per month get quotes Call direct0800 158 2934
Initial rate: 1.79%
Rate type: Fixed Feb-2023
Monthly cost: £417.82 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.6% APRC
NatWest logo 1.79% Fixed Feb-2023 3.6% APRC 60% £1273.00 £417.82 per month get quotes Call direct0800 158 2934
Initial rate: 1.79%
Rate type: Fixed Feb-2023
Monthly cost: £417.82 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.2% APRC
NatWest logo 1.79% Fixed Feb-2023 3.2% APRC 60% £1273.00 £417.82 per month get quotes Call direct0800 158 2934
Initial rate: 1.98%
Rate type: Fixed Feb-2020
Monthly cost: £422.88 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 3.6% APRC
NatWest logo 1.98% Fixed Feb-2020 3.6% APRC 60% £278.00 £422.88 per month get quotes Call direct0800 158 2934
Initial rate: 2.05%
Rate type: Fixed Feb-2023
Monthly cost: £430.53 per month
Max LTV: 70%
Product fee: £1273.00
Overall cost for comparison: 3.2% APRC
NatWest logo 2.05% Fixed Feb-2023 3.2% APRC 70% £1273.00 £430.53 per month get quotes Call direct0800 158 2934
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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

Britannia mortgages review

Britannia was a mutual building society which merged with The Co-operative Banking Group in 2009. New customers looking for a Britannia mortgage will therefore have to look at The Co-operative Bank instead or consider alternative providers.

The Co-operative offer mortgages for former Britannia mortgage customers and new customers including:

  • First time buyer mortgages
  • Moving home mortgages
  • Remortgaging
  • Second mortgages

Compare Britannia mortgages with other leading lenders

Our service compares mortgage deals from all the top UK mortgage lenders, so you can get the very best deal possible for your borrowing needs and personal circumstances. Try out our free mortgage calculator to find a deal that suits you or request a quote for more bespoke advice.

Fair Mortgages’ expert mortgage brokers offer:

  • Whole of market service - we work with most UK lenders
  • Access to leading market mortgage rates
  • Exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • Mortgage providers willing to lend to those with previous defaults and missed payments 
  • Additional finance on top of your existing mortgage or buy to let mortgage when you need to borrow more

To investigate your mortgage options, call Fair Mortgages today on 0117 313 7780 or fill in our call back form on the right hand side of the page.

Compare Britannia Mortgages

Britannia mortgage rates

Mortgage rates vary significantly from lender to lender and depending on which mortgage product you choose. If you are not happy with the rate you are paying on your Britannia mortgage, or are looking to find the best deal on a new mortgage there are various options to consider.

Fixed rate mortgages

A fixed rate mortgage will give you a set interest rate to pay for the first few years of your mortgage. The fixed rate normally lasts for anywhere from 2 years to 10 years, after which you will normally switch to a Standard Variable Rate of interest.

Fixed rate mortgages are good for those who want to know exactly how much they will be paying each month and are a sensible choice when mortgage rates are low.

Tracker mortgages

Tracker mortgages tie your mortgage rate to the Bank of England Base Rate (or an equivalent) which means your interest rate will rise or fall in line with the base rate you are tracking. The rate you pay will be set at a fixed interval above the base rate e.g. 0.50%. So if the current base rate is 0.25%, you will pay 0.75%, whereas if the base rate rises to 0.50%, you will pay 1.00% and so on.

Tracker mortgages are good for people who want to make sure their interest rate stays broadly in line with inflation. They tend to start off at a lower interest rate than fixed rate mortgages, but the interest rate can rise or fall, making the amount you end up repaying less predictable.

When to remortgage

Many people with a fixed or tracker rate mortgage fail to remortgage when their fixed or tracker rate ends, meaning they end up paying more than they need to.

Make sure to check the terms of your mortgage and see what conditions there are on remortgaging – some deals will require you to keep the mortgage for a certain period after the fixed or tracker rate ends, while others will let you remortgage to a better deal straightaway.

Compare Britannia mortgage deals with our free mortgage calculator

If you are a current Britannia mortgage customer or a new customer looking to find the best mortgage deals, the sheer range of providers and mortgage products on offer can make choosing the right one for you a challenge.

At Fair Mortgage, we aim to make the process of finding a great mortgage deal as simple as possible. We offer a free mortgage calculator allowing you to quickly and simply compare mortgage deals from across the market with your borrowing needs and financial circumstances.

If you want to make things even easier, you can request a quote, fill in our contact form on the right hand side of the page, or give our friendly, expert mortgage team a call on 0117 313 7780 for personal advice on your borrowing options.

Britannia Mortgage Rates

 

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