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Mortgage & Equity Release - Call Us 0117 403 4474

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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 »

Key Worker Mortgage

UK Mortgage rates are at all time lows!

See the tables below for a selection of leading deals for keyworkers or use our independent mortgage advice service to compare the market.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 2.53%
Rate type: 2.53% Fixed to 01/10/2024
Monthly cost: £810.23 per month
Max LTV: 85%
Product fee: £1,295
Overall cost for comparison: 4.5% APRC
Virgin Money logo 2.53% 2.53% Fixed to 01/10/2024 4.5% APRC 85% £1,295 £810.23 per month get quotes Call direct0330 057 1528 Broker Only Deal
Initial rate: 2.54%
Rate type: 2.54% Fixed for 5 years
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £490
Overall cost for comparison: 3.5% APRC
first direct logo 2.54% 2.54% Fixed for 5 years 3.5% APRC 60% £490 £811.14 per month get quotes Call direct0808 296 5500
Initial rate: 2.54%
Rate type: 2.54% Fixed for 2 years
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £490
Overall cost for comparison: 3.9% APRC
first direct logo 2.54% 2.54% Fixed for 2 years 3.9% APRC 60% £490 £811.14 per month get quotes Call direct0808 296 5500
Initial rate: 2.54%
Rate type: 2.54% Fixed to 31/07/2024
Monthly cost: £811.14 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.9% APRC
HSBC logo 2.54% 2.54% Fixed to 31/07/2024 3.9% APRC 60% £999 £811.14 per month get quotes
Initial rate: 2.54%
Rate type: 2.54% Fixed to 01/10/2024
Monthly cost: £811.14 per month
Max LTV: 65%
Product fee: £995
Overall cost for comparison: 4.5% APRC
Virgin Money logo 2.54% 2.54% Fixed to 01/10/2024 4.5% APRC 65% £995 £811.14 per month get quotes Call direct0330 057 1528 Broker Only Deal
Initial rate: 2.58%
Rate type: 2.58% Fixed to 01/10/2027
Monthly cost: £814.78 per month
Max LTV: 65%
Product fee: £995
Overall cost for comparison: 4.0% APRC
Virgin Money logo 2.58% 2.58% Fixed to 01/10/2027 4.0% APRC 65% £995 £814.78 per month get quotes Call direct0330 057 1528 Broker Only Deal
Initial rate: 2.59%
Rate type: 2.59% Fixed for 2 years
Monthly cost: £815.69 per month
Max LTV: 75%
Product fee: £490
Overall cost for comparison: 3.9% APRC
first direct logo 2.59% 2.59% Fixed for 2 years 3.9% APRC 75% £490 £815.69 per month get quotes Call direct0808 296 5500
Initial rate: 2.59%
Rate type: 2.59% Fixed to 31/07/2024
Monthly cost: £815.69 per month
Max LTV: 70%
Product fee: £999
Overall cost for comparison: 3.9% APRC
HSBC logo 2.59% 2.59% Fixed to 31/07/2024 3.9% APRC 70% £999 £815.69 per month get quotes
Initial rate: 2.59%
Rate type: 2.59% Fixed to 31/07/2024
Monthly cost: £815.69 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 3.9% APRC
HSBC logo 2.59% 2.59% Fixed to 31/07/2024 3.9% APRC 75% £999 £815.69 per month get quotes
Initial rate: 2.59%
Rate type: 2.59% Fixed for 2 years
Monthly cost: £815.69 per month
Max LTV: 80%
Product fee: £999
Overall cost for comparison: 4.7% APRC
Monmouthshire BS logo 2.59% 2.59% Fixed for 2 years 4.7% APRC 80% £999 £815.69 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

Key Worker Mortgage

Our Mortgage Service - helping you make the right decision

Why choose our remortgage service?

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

Special features of what we offer include:

  • Whole of market service - we cover most UK lenders
  •    
  • Great Rates - Access to leading market rates
  •    
  • Exclusive Deals - Access to exclusive remortgage deals not available on high street
  • Fast turnaround - call us if you need to move fast!
  •    
  • Raising additional finance - If you are looking to raise finance we will look at all your finance options as well as remortgaging.

To investigate your remortgage options call our specialist team on0117 313 7780 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.

Key Worker Mortgage

Key Worker Mortgage

Key worker mortgages are, part of a government scheme designed to aid people who provide vital services, such as; fire fighters, nurses, teachers, social workers, prison officers and police officers to get on the property ladder. These schemes have however become less common due to the creation of other schemes such as Help to Buy.

Help to Buy

Equity Loan:

Saving up a large enough deposit for a home can be difficult, however a help to buy equity loan mortgage allows a saver to put down as little as 5% of the property price, the Government also contribute a 20% loan to the cost of the newly built home (40% in the Greater London area only) allowing savers to get a 75% Loan to Value (LTV) mortgage to cover the rest. Borrowers won’t be charged any loan fees on the 20% loan for the first five years of owning the property.

The eligibility criteria for an equity loan includes that the property must be newly built, with a maximum price of £600,000. You cannot let the property out and cannot own any other property at the time you purchase your new property.

Mortgage Guarantee:

With a Mortgage Guarantee scheme, lenders can purchase a guarantee from the Government on a mortgage loan for up to £30,000. Because of the guarantee lenders who take part in the scheme are able to offer home buyers mortgages with higher LTVs.

In order to be eligible for a mortgage guarantee; the property can have up to a maximum price of £600,000 however it can be either a new-build or existing home. The borrower must not own any other property anywhere in the world at the time of purchase. The mortgage has to be a repayment plan rather than interest only, the size of the mortgage can be to a maximum of 4.5 times the borrower’s income. This scheme is not available for buy to let property purchases.

You cannot apply for a Help to Buy mortgage deal in conjunction with any of the Government’s other home ownership schemes, such as Shared Equity schemes.

In order to be eligible for the Help to Buy mortgage scheme, you must be a UK citizen or have the right to remain indefinitely in the UK. The scheme only applies to properties in the UK.

Mortgage adviser

Whatever sort of mortgage you are interested in you may find that using an independent mortgage adviser could help, as well as being able to offer their clients impartial mortgage advice, an adviser that offers a whole of market service can use their knowledge of the industry to search for products from a range of different providers to try and find their clients the best deal available to them.

To find out if Fair Mortgages could help you, you can fill in our online contact form to request a call back for a free initial consultation, at a time that suits you. Alternatively you can call directly on: 0117 313 7780

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