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Mortgage Hotline - Call Us 0117 313 7780

What is your mortgage for?

 

1.22% 2 Year Fixed 

  • Overall cost for comparison 3.80% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years.Rate fixed for 2 years after which reverts to Post Office variable rate of 4.24%.

Call Post Office on 0808 179 6813

2.29% 5 Year Fixed 

  • Overall cost for comparison 3.90% APRC

Representative Example:Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to Yorkshire Bank variable rate of 4.70%.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.99%
Rate type: Fixed Dec-2019
Monthly cost: £570.26 per month
Max LTV: 80%
Product fee: £1615.00
Overall cost for comparison: 4.8% APRC
Accord logo 0.99% Fixed Dec-2019 4.8% APRC 80% £1615.00 £570.26 per month get quotes Call direct0117 313 7780
Initial rate: 1.15%
Rate type: Fixed Dec-2019
Monthly cost: £579.39 per month
Max LTV: 60%
Product fee: £999.00
Overall cost for comparison: 3.4% APRC
Halifax logo 1.15% Fixed Dec-2019 3.4% APRC 60% £999.00 £579.39 per month get quotes Call direct0117 313 7780
Initial rate: 1.15%
Rate type: Fixed Nov-2019
Monthly cost: £579.37 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.5% APRC
NatWest logo 1.15% Fixed Nov-2019 3.5% APRC 60% £1025.00 £579.37 per month get quotes Call direct0800 158 2934
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £581.29 per month
Max LTV: 60%
Product fee: £969.00
Overall cost for comparison: 3.5% APRC
Scottish Widows Bank logo 1.19% Fixed Nov-2019 3.5% APRC 60% £969.00 £581.29 per month get quotes Call direct0117 313 7780
Initial rate: 1.19%
Rate type: Fixed Nov-2019
Monthly cost: £581.29 per month
Max LTV: 60%
Product fee: £969.00
Overall cost for comparison: 3.4% APRC
Scottish Widows Bank logo 1.19% Fixed Nov-2019 3.4% APRC 60% £969.00 £581.29 per month get quotes Call direct0117 313 7780
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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

Second Mortgage Calculator

What is a second mortgage?

A second mortgage is a secured loan taken out against a property where you already have a mortgage. They are also sometimes known as second charge mortgages and homeowner loans.

A second mortgage can allow you to unlock equity from your home for a variety of reasons, including home improvements, buying a car or anything else approved by your lender.

Second mortgages can allow you to borrow more and get better interest rates than is often the case with unsecured borrowing. It can also allow people with a poor credit history to take out a loan when this otherwise would not be an option.

Second mortgages versus remortgaging

Remortgaging is another common way to unlock extra equity from your home, but second mortgages do have some advantages over remortgaging. A second mortgage can be quicker to sort out and allows you to raise extra capital without interfering with your existing mortgage.

If you already have a particularly good deal on your mortgage, a separate secured loan may make more financial sense. However, if you think you could get a better deal that your existing mortgage, remortgaging may be the way to go.

Try our free second mortgage calculator

To find the best deal on your second mortgage, you need to compare a range of deals from across the market. Our free second mortgage calculator allows you to quickly and easily see a range of leading deals from all the top lenders.

To try out the free second mortgage calculator, just head to the top of the page and in the “What is your mortgage for?” field select “Homeowner/Secured loans”. Then all you need to do is fill in the rest of the details about your borrowing needs and the calculator will then match you up with the best deals currently available.

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Call 0117 313 7780 or Request Callback for our Second Mortgage Service

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