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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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3.64% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.30%

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 4.34%.

Call Virgin Money FREE on 0330 057 1528

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: 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: 2.74%
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: 2.99%
Rate type: Discounted Variable 36 months
Monthly cost: £1200.03 per month
Max LTV: 100%
Product fee: £850
Overall cost for comparison: 4.5% APRC
Buckinghamshire BS logo 2.99% Discounted Variable 36 months 4.5% APRC 100% £850 £1200.03 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 2.99%
Rate type: Fixed 38 months
Monthly cost: £1200.03 per month
Max LTV: 99%
Product fee: £0
Overall cost for comparison: 4.6% APRC
Tipton & Coseley BS logo 2.99% Fixed 38 months 4.6% APRC 99% £0 £1200.03 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 3.10%
Rate type: Discounted Variable 24 months
Monthly cost: £1217.00 per month
Max LTV: 100%
Product fee: £0
Overall cost for comparison: 5.1% APRC
Loughborough BS logo 3.10% Discounted Variable 24 months 5.1% APRC 100% £0 £1217.00 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 3.20%
Rate type: Fixed 27 months
Monthly cost: £1232.53 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.8% APRC
Leeds BS logo 3.20% Fixed 27 months 4.8% APRC 95% £999 £1232.53 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 3.25%
Rate type: Fixed 26 months
Monthly cost: £1240.34 per month
Max LTV: 95%
Product fee: £999
Overall cost for comparison: 4.4% APRC
Coventry BS logo 3.25% Fixed 26 months 4.4% APRC 95% £999 £1240.34 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.25%
Rate type: Discounted Variable 24 months
Monthly cost: £1240.34 per month
Max LTV: 100%
Product fee: £499
Overall cost for comparison: 5.1% APRC
Loughborough BS logo 3.25% Discounted Variable 24 months 5.1% APRC 100% £499 £1240.34 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 3.29%
Rate type: Discounted Variable 39 months
Monthly cost: £1246.60 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 5.2% APRC
Marsden BS logo 3.29% Discounted Variable 39 months 5.2% APRC 95% £0 £1246.60 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.29%
Rate type: Discounted Variable 38 months
Monthly cost: £1246.60 per month
Max LTV: 95%
Product fee: £0
Overall cost for comparison: 5.2% APRC
Marsden BS logo 3.29% Discounted Variable 38 months 5.2% APRC 95% £0 £1246.60 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

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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