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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

 

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

First Time Buyer Mortgage Calculator

Compare First Time Buyer Mortgage Rates - We compare all the leading first time buyer mortgage deals available in the UK market. See the tables below for a selection of leading current mortgage deals or use our FREE first time buyer mortgage calculator to find deals based on your requirements.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.39%
Rate type: Discounted Variable 24 months
Monthly cost: £1109.86 per month
Max LTV: 95%
Product fee: £599
Overall cost for comparison: 4.9% APRC
Chorley Building Society logo 2.39% Discounted Variable 24 months 4.9% APRC 95% £599 £1109.86 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.69%
Rate type: Fixed 26 months
Monthly cost: £1154.45 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 3.5% APRC
HSBC logo 2.69% Fixed 26 months 3.5% APRC 95% £999 £1154.45 per month get quotes Call us0117 403 4474 More details
Initial rate: 2.74%
Rate type: Discounted Variable 24 months
Monthly cost: £1161.98 per month
Max LTV: 100%
Product fee: £0
Overall cost for comparison: 4.5% APRC
Buckinghamshire BS logo 2.74% Discounted Variable 24 months 4.5% APRC 100% £0 £1161.98 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.74%
Rate type: Fixed 28 months
Monthly cost: £1161.98 per month
Max LTV: 95%
Product fee: £900
Overall cost for comparison: 3.4% APRC
Digital Mortgages by Atom Bank logo 2.74% Fixed 28 months 3.4% APRC 95% £900 £1161.98 per month get quotes Call us0117 403 4474
Initial rate: 2.84%
Rate type: Fixed 28 months
Monthly cost: £1177.12 per month
Max LTV: 95%
Product fee: £900
Overall cost for comparison: 3.5% APRC
Digital Mortgages by Atom Bank logo 2.84% Fixed 28 months 3.5% APRC 95% £900 £500 cashback £1177.12 per month get quotes Call us0117 403 4474
Initial rate: 2.84%
Rate type: Fixed 24 months
Monthly cost: £1177.12 per month
Max LTV: 95%
Product fee: £1,499
Overall cost for comparison: 3.6% APRC
Nationwide BS logo 2.84% Fixed 24 months 3.6% APRC 95% £1,499 £500 cashback £1177.12 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.85%
Rate type: Fixed 27 months
Monthly cost: £1178.64 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.7% APRC
Leeds BS logo 2.85% Fixed 27 months 4.7% APRC 95% £999 £1178.64 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.85%
Rate type: Fixed 26 months
Monthly cost: £1178.64 per month
Max LTV: 95%
Product fee: £495
Overall cost for comparison: 4.2% APRC
Skipton BS logo 2.85% Fixed 26 months 4.2% APRC 95% £495 £1178.64 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.89%
Rate type: Fixed 28 months
Monthly cost: £1184.73 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 3.4% APRC
Digital Mortgages by Atom Bank logo 2.89% Fixed 28 months 3.4% APRC 95% £0 £1184.73 per month get quotes Call us0117 403 4474
Initial rate: 2.89%
Rate type: Fixed 26 months
Monthly cost: £1184.73 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 3.5% APRC
HSBC logo 2.89% Fixed 26 months 3.5% APRC 95% £0 £1184.73 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

First Time Buyer Mortgage Calculator

If you are thinking about buying your first home, one of the most important initial steps if to work out exactly how much you might be able to borrow.

Before you get carried away browsing estate agents, it’s essential to have a realistic idea of your overall budget and stick to it when considering properties.

You can use our FREE first time buyer mortgage calculator, below, to help you find the best deal for you. Just enter a few simple details about your income, the deposit you have available and the rough value of the property you want to buy – and you can compare over 5,000 top mortgage deals instantly.

Points to consider when choosing your first mortgage

Buying your first property can be both daunting and exciting, and so it’s important to think carefully about the logistics of financing the purchase – after all, buying a home will probably be one of the biggest purchases you will ever make. Some things to think about as you browse through the various mortgage deals available include:

  • How big is your deposit? Due to the Government Help to Buy mortgages scheme it is now possible to obtain a mortgage with a deposit of as little as 5% of your chosen property’s value in some cases.  It’s a good idea to put down the biggest deposit you can afford without overstretching your finances, as this means that you will have a higher equity stake in the property from the outset, therefore potentially lowering your monthly mortgage repayments

  • How much can you realistically afford to repay each month? It can be tempting to overstretch your budget in order to get a dream property, but this could backfire if interest rates rise and you’re no longer able to afford your monthly repayments. Since April 2014, lenders are required to ‘stress-test’ your finances before offering you a mortgage deal, so 

To compare top mortgage interest rates and find the best mortgage deals for you, use the mortgage calculator to search over 5,000 mortgage deals based on your personal circumstances.

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