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Mortgage & Equity Release - Call Us 0117 403 4474

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What is your mortgage for?

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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 »

Low Deposit Mortgages

UK Mortgage rates are at all time lows!

See below for a selection of leading low deposit deals 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: 2.39%
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

Low Deposit Mortgages

If you have at least a 10% deposit to put down on a house then the mortgage options available to you are fairly wide as many lenders have in recent years relaxed their lending criteria.

If you have less than 10% to put down then options become a bit more limited although since the end of 2013 many lenders are considering borrowers with low deposits.

Whether you will be accepted by a lender will depend. there are a number of factors that come into play when a lender is considering providing you with a mortgage.

Obtaining financial advice from a qualified mortgage adviser will help you through the maze and potentially save you a lot of time.

Use our mortgage service to help find a low deposit mortgage for your situation

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Our Services

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Fair Mortgages Limited is an appointed representative of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.