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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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3.45% 10 Year Fixed

  • 60% LTV
  • Overall cost for comparison 4.1% APRC

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 10 years after which reverts to lender variable rate of 5.24%.

 

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 comparison Product fee Monthly cost Enquire
Initial rate: 4.54%
Rate type: 5 year fixed
Monthly cost: £1450.83 per month
Product fee: £995
Overall cost for comparison: 7.2% APRC
Scottish Building Society logo 4.54% 5 year fixed 7.2% APRC £995 £1450.83 per month get quotes Broker Only Deal
Initial rate: 4.79%
Rate type: 5 year fixed
Monthly cost: £1493.57 per month
Product fee: £599
Overall cost for comparison: 7.2% APRC
Family Building Society logo 4.79% 5 year fixed 7.2% APRC £599 £250 cashback £1493.57 per month get quotes Broker Only Deal
Initial rate: 4.89%
Rate type: 3 year fixed
Monthly cost: £1510.84 per month
Product fee: £995
Overall cost for comparison: 7.8% APRC
Scottish Building Society logo 4.89% 3 year fixed 7.8% APRC £995 £1510.84 per month get quotes Broker Only Deal
Initial rate: 4.90%
Rate type: 5 year fixed
Monthly cost: £1512.57 per month
Product fee: £0
Overall cost for comparison: 6.2% APRC
Skipton Building Society logo 4.90% 5 year fixed 6.2% APRC £0 £1512.57 per month get quotes Broker Only Deal
Initial rate: 4.90%
Rate type: 5 year fixed
Monthly cost: £1512.57 per month
Product fee: £499
Overall cost for comparison: 7.3% APRC
Monmouthshire Building Society logo 4.90% 5 year fixed 7.3% APRC £499 £1512.57 per month get quotes Broker Only Deal
Initial rate: 4.99%
Rate type: 5 year fixed
Monthly cost: £1528.2 per month
Product fee: £0
Overall cost for comparison: 7.1% APRC
Darlington Building Society logo 4.99% 5 year fixed 7.1% APRC £0 £1528.2 per month get quotes Broker Only Deal
Initial rate: 4.99%
Rate type: 5 year fixed
Monthly cost: £1528.2 per month
Product fee: £0
Overall cost for comparison: 6.4% APRC
Newbury Building Society logo 4.99% 5 year fixed 6.4% APRC £0 £1528.2 per month get quotes Broker Only Deal
Initial rate: 4.99%
Rate type: 5 year fixed
Monthly cost: £1528.2 per month
Product fee: £0
Overall cost for comparison: 7% APRC
Vernon Building Society logo 4.99% 5 year fixed 7% APRC £0 £1528.2 per month get quotes Broker Only Deal
Initial rate: 4.99%
Rate type: 5 year fixed
Monthly cost: £1528.2 per month
Product fee: £999
Overall cost for comparison: 6.4% APRC
Newcastle Building Society logo 4.99% 5 year fixed 6.4% APRC £999 £1528.2 per month get quotes Broker Only Deal
Initial rate: 5.00%
Rate type: 5 year fixed
Monthly cost: £1529.94 per month
Product fee: £999
Overall cost for comparison: 7.5% APRC
Halifax 5.00% 5 year fixed 7.5% APRC £999 £250 cashback £1529.94 per month get quotes
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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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