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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.87% APR 

  • Fixed for 26 months
  • 60% LTV - Interest only option
  • Overall cost for comparison 3.20%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 26 months after which reverts to the RBS variable rate of 3.59%.

Call RBS on 0800 068 7706

0.97% APR

  • Fixed for 62 Months
  • 60% LTV - Interest Only
  • Overall cost for comparison 2.60%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 62 months after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.15% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.60%

Representative Example: 

Mortgage of £100,000 on property valued at £200,000. Term of 25 years.

Rate fixed for 26 months then reverts to variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.51%
Rate type: Discounted Variable 24 months
Monthly cost: £639.19 per month
Max LTV: 60%
Product fee: £0
Overall cost for comparison: 3.8% APRC
Progressive BS logo 0.51% Discounted Variable 24 months 3.8% APRC 60% £0 £639.19 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.78%
Rate type: Variable 28 months
Monthly cost: £660.59 per month
Max LTV: 65%
Product fee: £995
Overall cost for comparison: 3.7% APRC
Yorkshire Building Society logo 0.78% Variable 28 months 3.7% APRC 65% £995 £660.59 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.79%
Rate type: Variable 24 months
Monthly cost: £661.40 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Nationwide BS logo 0.79% Variable 24 months 3.2% APRC 60% £999 £661.40 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.79%
Rate type: Discounted Variable 24 months
Monthly cost: £661.40 per month
Max LTV: 75%
Product fee: £0
Overall cost for comparison: 3.8% APRC
Progressive BS logo 0.79% Discounted Variable 24 months 3.8% APRC 75% £0 £661.40 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.82%
Rate type: Variable 28 months
Monthly cost: £663.80 per month
Max LTV: 75%
Product fee: £1,495
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.82% Variable 28 months 3.2% APRC 75% £1,495 £250 cashback £663.80 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.83%
Rate type: Discounted Variable 24 months
Monthly cost: £664.61 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.83% Discounted Variable 24 months 3.7% APRC 60% £1,999 £664.61 per month get quotes Call us0117 403 4474
Initial rate: 0.83%
Rate type: Discounted Variable 24 months
Monthly cost: £664.61 per month
Max LTV: 60%
Product fee: £1,999
Overall cost for comparison: 3.7% APRC
Cumberland BS logo 0.83% Discounted Variable 24 months 3.7% APRC 60% £1,999 £664.61 per month get quotes Call us0117 403 4474
Initial rate: 0.84%
Rate type: Fixed 26 months
Monthly cost: £665.41 per month
Max LTV: 60%
Product fee: £749
Overall cost for comparison: 3.0% APRC
Santander logo 0.84% Fixed 26 months 3.0% APRC 60% £749 £665.41 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.84%
Rate type: Fixed 26 months
Monthly cost: £665.41 per month
Max LTV: 60%
Product fee: £749
Overall cost for comparison: 3.0% APRC
Santander logo 0.84% Fixed 26 months 3.0% APRC 60% £749 £665.41 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.84%
Rate type: Fixed 28 months
Monthly cost: £665.41 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
TSB logo 0.84% Fixed 28 months 3.2% APRC 60% £995 £665.41 per month get quotes Call us0117 403 4474 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

Cheap Mortgage Deals

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 get a low cost deal on your mortgage
  • Access to leading market rates
  • 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 low cost mortgage options call our specialist team on 0117 403 4474 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. With the recent changes (long overdue) to the mortgage industry, the message from the Regulator and lenders to the UK public is to get professional advice.

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

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Cheap Mortgage Deals

It can be tempting to go for the cheapest mortgage deal with the most attractive-sounding special mortgage rate, but this isn’t the only factor you need to consider when thinking about which mortgage might be best for you.

Everyone’s circumstances are different, and what is right for one home buyer may not be right for another. Choosing the right mortgage for you is about much more than how cheap the rate is – while we all want to get our mortgage repayments down to a minimum it is important to make a thorough assessment of the wider range of mortgage deals on offer in line with your circumstances.

To compare mortgages quickly and easily, you can use our free mortgage calculator or for bespoke quotes and an assessment of your requirements contact our mortgage team

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For latest low cost mortgage deals contact us today »

 

What kind of cheap mortgages are available?

Type of special offer that you might find when looking for a mortgage include:

  • Discounted rates – you may be offered a low interest rate for a set period after the mortgage starts
  • No fee or low fee offers – some mortgage lenders will offer to reduce your mortgage arrangement fees or waive them altogether
  • Cashback mortgage offers – you may be offered a set amount of cashback once the mortgage is completed or after you have held it for a certain amount of time
  • Help to Buy Mortgages – this is the Government scheme which allows people with as little as a 5% deposit to buy a property subject to certain terms and conditions
  • Other benefits – the mortgage lender may, for  example, offer to pay your stamp duty for you

Choosing a low cost mortgage

Points to consider when looking for a cheap mortgage – whether it comes with a special offer or not – include:

  • Hidden costs – remember that if a lender is offering you a special deal such as a fee waiver, they may well be making this up elsewhere, such as through slightly higher interest rates - remember the lowest initial rate does not necessarily mean the cheapest mortgage deal.
  • Long-term value for money – the initial rate may be attractive, buy can you afford the repayments in the long term? Does the repayment plan suit your circumstances and goals?
  • Exit fees – If you decide that you want to leave the mortgage deal early, will any saving you made at the outset be cancelled out by hefty early repayment charges or exist fees?

Enquiry To Completion

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