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2.49% 2 Year Fixed

  • 60% LTV
  • Overall cost for comparison 3.90% APRC

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed untilfor 26 months after which reverts to HSBC variable rate of 4.04%.

Go to HSBC website »

HSBC 2 Year Fixed

  • Initial Rate 2.94%
  • 95% LTV
  • Overall cost for comparison 4%

Representative Example: 

Mortgage of £100k on property valued at £200k over term of 26 months. Rate fixed for 2 years after which reverts to HSBC variable rate of 4.04%.

Go to HSBC website »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.39%
Rate type: 2.39% Fixed for 2 years
Monthly cost: £1109.86 per month
Max LTV: 95%
Product fee: £1,149
Overall cost for comparison: 4.7% APRC
Monmouthshire BS logo 2.39% 2.39% Fixed for 2 years 4.7% APRC 95% £1,149 £1109.86 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.60%
Rate type: 2.60% Fixed to 01/07/2024
Monthly cost: £1140.97 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.1% APRC
Danske Bank logo 2.60% 2.60% Fixed to 01/07/2024 4.1% APRC 95% £999 £1140.97 per month get quotes Call us0117 403 4474 More details
Initial rate: 2.60%
Rate type: 2.60% Fixed to 01/07/2024
Monthly cost: £1140.97 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.1% APRC
Danske Bank logo 2.60% 2.60% Fixed to 01/07/2024 4.1% APRC 95% £999 £1140.97 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.62%
Rate type: 2.62% Fixed to 01/07/2024
Monthly cost: £1143.96 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.1% APRC
Danske Bank logo 2.62% 2.62% Fixed to 01/07/2024 4.1% APRC 95% £999 £1143.96 per month get quotes Call us0117 403 4474 More details
Initial rate: 2.62%
Rate type: 2.62% Fixed to 01/07/2024
Monthly cost: £1143.96 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.1% APRC
Danske Bank logo 2.62% 2.62% Fixed to 01/07/2024 4.1% APRC 95% £999 £1143.96 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.66%
Rate type: 2.66% Fixed to 31/10/2027
Monthly cost: £1149.95 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 4.1% APRC
Skipton BS logo 2.66% 2.66% Fixed to 31/10/2027 4.1% APRC 95% £0 £1149.95 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.69%
Rate type: 2.69% Fixed for 5 years
Monthly cost: £1154.45 per month
Max LTV: 95%
Product fee: £1,149
Overall cost for comparison: 4.3% APRC
Monmouthshire BS logo 2.69% 2.69% Fixed for 5 years 4.3% APRC 95% £1,149 £1154.45 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.79%
Rate type: 2.79% Fixed to 31/05/2024
Monthly cost: £1169.53 per month
Max LTV: 95%
Product fee: £900
Overall cost for comparison: 4.0% APRC
Digital Mortgages by Atom Bank logo 2.79% 2.79% Fixed to 31/05/2024 4.0% APRC 95% £900 £1169.53 per month get quotes Call us0117 403 4474
Initial rate: 2.83%
Rate type: 2.83% Fixed to 01/09/2024
Monthly cost: £1175.60 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.5% APRC
Cumberland BS logo 2.83% 2.83% Fixed to 01/09/2024 4.5% APRC 95% £999 £1175.60 per month get quotes Call us0117 403 4474
Initial rate: 2.83%
Rate type: 2.83% Fixed to 31/10/2024
Monthly cost: £1175.60 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 4.4% APRC
Skipton BS logo 2.83% 2.83% Fixed to 31/10/2024 4.4% APRC 95% £0 £1175.60 per month get quotes Call us0117 403 4474 More details Broker Only Deal
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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

Co Ownership Mortgage

Our Mortgage Service - helping you make the right decision

"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.

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Co Ownership Mortgage

The term ‘Co-Ownership Mortgage’ could refer to a select few different things. It may refer to the instances where someone takes out a mortgage with their partner or where a group of friends get a mortgage to purchase a house together to raise a bigger deposit and share repayment costs.  Co-Ownership mortgage could also refer to a ‘Shared Ownership Housing Scheme’.

Mortgage on a shared ownership scheme property

Shared ownership schemes work as a kind of mixture between buying and renting a property. They allow people to purchase a share of a property and pay rent upon the portion they do not own. People typically buy between a quarter and three quarters of the property and have the option to buy bigger shares in the property at a later date. Not all lenders offer mortgages to purchase a portion of a property under one of the schemes however many do, so it is worth shopping around to try and find the best deal available for the product that suits you needs.

Buying a home with a partner or friend

It’s possible to get a joint mortgage with a partner or friend or family member; you can even take out joint mortgages for more than just two people. There are a number of things you should first consider before taking out a joint mortgage however, for instance during  the application process a lender will check the credit score of each person, meaning even if there are multiple applicants having one person with an adverse history could increase your interest rates or cause the application to be declined.

Different types of legal agreements exist for people who want to take out a joint mortgage. In cases where all parties agree to be ‘joint tenants’ everyone has equal rights to the property and can claim an equal share in any profit made through the resale of the property. Another type of agreement is known as ‘tenants in common’ which permits each tenant can own their own varying shares of the property.

Using a Mortgage Adviser:

Whatever type of mortgage you are interested in, you may benefit from using the services of an independent mortgage adviser. An adviser that offers a whole of market service can search across different lenders on the behalf of their clients, as well as offering them impartial advice.

To find out if Fair Mortgages could help you fill in our online contact form to request a call back for a free initial consultation. Alternatively you can call directly on: 0117 403 4474

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