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Mortgage Hotline - Call Us 0117 313 7780

What is your mortgage for?

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Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.84%
Rate type: Fixed Feb-2020
Monthly cost: £743.44 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.5% APRC
NatWest logo 2.84% Fixed Feb-2020 3.5% APRC 90% £278.00 £750 cashback £743.44 per month get quotes Call direct0800 158 2934 More details
Initial rate: 2.91%
Rate type: Fixed Feb-2020
Monthly cost: £750.30 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.7% APRC
Royal Bank Of Scotland logo 2.91% Fixed Feb-2020 3.7% APRC 90% £278.00 £250 cashback £750.30 per month get quotes Call direct0800 096 7447 More details
Initial rate: 2.91%
Rate type: Fixed Feb-2020
Monthly cost: £750.18 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.7% APRC
NatWest logo 2.91% Fixed Feb-2020 3.7% APRC 90% £278.00 £250 cashback £750.18 per month get quotes Call direct0800 158 2934 More details
Initial rate: 2.91%
Rate type: Fixed Feb-2020
Monthly cost: £750.30 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.7% APRC
Royal Bank Of Scotland logo 2.91% Fixed Feb-2020 3.7% APRC 90% £278.00 £250 cashback £750.30 per month get quotes Call direct0800 096 7447 More details
Initial rate: 2.91%
Rate type: Fixed Feb-2020
Monthly cost: £750.18 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.7% APRC
NatWest logo 2.91% Fixed Feb-2020 3.7% APRC 90% £278.00 £250 cashback £750.18 per month get quotes Call direct0800 158 2934 More details
Initial rate: 2.93%
Rate type: Fixed Feb-2020
Monthly cost: £752.11 per month
Max LTV: 90%
Product fee: £278.00
Overall cost for comparison: 3.7% APRC
NatWest logo 2.93% Fixed Feb-2020 3.7% APRC 90% £278.00 £500 cashback £752.11 per month get quotes Call direct0800 158 2934 More details

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

Cashback Mortgages

Our Mortgage Service

Why choose our mortgage service?

Fair Mortgages can provide you with a first class mortgage service. 

Special features of what we offer include:

  • Whole of market service - we cover most UK lenders if you are looking to raise capital on your existing mortgage
  • Access to leading market rates - including cashback deals
  • Access to exclusive remortgage deals not available on high street
  • Fast turnaround - call us if you need to move fast!
  • We have lenders who will take into account previous defaults and missed payments 
  • If you are looking to raise finance we will look at all your finance options

To investigate your mortgage options regarding raising additional finance call our specialist team.

"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".

Cashback mortgages are becoming increasingly common and unsurprisingly a growing number of people are being attracted by the prospect of receiving a cash lump sum when they apply for a mortgage deal.

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You can use our FREE online mortgage calculator to search over 5,000 mortgages and find the cashback mortgage deal to suit your circumstances.

Why choose a cashback mortgage?

Buying a home can be an expensive business – as well as the deposit itself, there’s also surveying fees, legal costs and stamp duty to consider. A cashback mortgage could be helpful when it comes to paying some of the many fees incurred during a home move.

Cashback mortgages can also be useful for borrowers requiring a lump sum to help them set up their new home – if you need to install a new kitchen or make essential repairs, the lump sum of up to £1,000 that may be offered by some mortgage lenders could prove very welcome.

Points to consider before choosing a cashback mortgage

One of the main issues to remember when considering a cashback mortgage is that the interest rate is normally higher than average when compared to the interest on similar non-cashback mortgage deals. Over the life to the mortgage, the lender is likely to recoup the cost of the initial cashback by charging a higher rate of interest.

Find the best cashback mortgage deal

If you decide to opt for a cashback mortgage, it makes sense to shop around in order to make sure that you’ve made the right choice. Many mortgage lenders offer cashback incentives, so don’t just go for the deal that offers the highest cashback amount – remember to factor in other costs such as arrangement fees, products fees and the level of flexibility built into the mortgage.

Although the prospect of a lump sum can seem attractive, it’s worth considering whether the mortgage represents good value for money in the long term.

You can find out more about cashback mortgages and make sure you get the best mortgage for your needs by using our FREE online mortgage comparison tables – just fill in your details and get access to over 5,000 mortgage deals that are relevant to your requirements.

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