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Mortgage & Equity Release - Call Us 0117 403 4474

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4.83% 5 Year Fixed

  • 65% LTV
  • Overall cost for comparison 5.9% APRC
  • £500 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 60 months after which reverts to lender variable rate of 6.49%.

Book appointment with us »

4.89% 10 Year Fixed

  • 75% LTV
  • Overall cost for comparison 5.5% APRC
  • £1000 Cashback

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 6.24%.

Book appointment with us »

Mortgage Interest Rates

UK Mortgage rates are at all time lows!

See below for a selection of leading mortgages 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: 4.06%
Rate type: 5 year fixed
Monthly cost: £956.08 per month
Product fee: £999
Overall cost for comparison: 6.8% APRC
Halifax 4.06% 5 year fixed 6.8% APRC £999 £250 cashback £956.08 per month get quotes
Initial rate: 4.06%
Rate type: 5 year fixed
Monthly cost: £956.08 per month
Product fee: £999
Overall cost for comparison: 6.9% APRC
Halifax 4.06% 5 year fixed 6.9% APRC £999 £250 cashback £956.08 per month get quotes Broker Only Deal
Initial rate: 4.08%
Rate type: 5 year fixed
Monthly cost: £958.08 per month
Product fee: £899
Overall cost for comparison: 6.9% APRC
Barclays 4.08% 5 year fixed 6.9% APRC £899 £958.08 per month get quotes Broker Only Deal
Initial rate: 4.08%
Rate type: 5 year fixed
Monthly cost: £958.08 per month
Product fee: £1,495
Overall cost for comparison: 6.6% APRC
NatWest logo 4.08% 5 year fixed 6.6% APRC £1,495 £958.08 per month get quotes
Initial rate: 4.09%
Rate type: 5 year fixed
Monthly cost: £959.07 per month
Product fee: £899
Overall cost for comparison: 6.9% APRC
Barclays 4.09% 5 year fixed 6.9% APRC £899 £959.07 per month get quotes Broker Only Deal
Initial rate: 4.14%
Rate type: 5 year fixed
Monthly cost: £964.08 per month
Product fee: £999
Overall cost for comparison: 6% APRC
HSBC logo 4.14% 5 year fixed 6% APRC £999 £1250 cashback £964.08 per month get quotes Broker Only Deal
Initial rate: 4.14%
Rate type: 5 year fixed
Monthly cost: £964.08 per month
Product fee: £995
Overall cost for comparison: 6.6% APRC
NatWest logo 4.14% 5 year fixed 6.6% APRC £995 £964.08 per month get quotes
Initial rate: 4.17%
Rate type: 5 year fixed
Monthly cost: £967.08 per month
Product fee: £0
Overall cost for comparison: 6.8% APRC
Halifax 4.17% 5 year fixed 6.8% APRC £0 £250 cashback £967.08 per month get quotes
Initial rate: 4.17%
Rate type: 5 year fixed
Monthly cost: £967.08 per month
Product fee: £0
Overall cost for comparison: 6.9% APRC
Halifax 4.17% 5 year fixed 6.9% APRC £0 £250 cashback £967.08 per month get quotes Broker Only Deal
Initial rate: 4.19%
Rate type: 5 year fixed
Monthly cost: £969.09 per month
Product fee: £995
Overall cost for comparison: 7% APRC
TSB logo 4.19% 5 year fixed 7% APRC £995 £969.09 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

Mortgage Interest Rates

Our Mortgage Interest Rates Service

Special features of what we offer include:

  • Friendly telephone service from our expert mortgage advisers

  • Whole of market service - we work with most UK lenders

  • Access to leading market mortgage interest rates

  • Access to exclusive mortgage deals not available on the high street

  • Quick turnaround - speak to us today if you need to move quickly

  • We have lenders who will take into account previous defaults and missed payments

  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

"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".

As your mortgage is such an important transaction, good advice is imperative.

Mortgage Interest Rates

Mortgage interest rates vary between different providers and mortgage offers, which means that dong your research in order to find the lowest interest rate available for your circumstances can be a sensible idea.

Use our free and easy to use mortgage interest calculator, below, to compare 5,000 mortgage deals that are available right now, and find the one that suits you best.

Mortgage interest rate options

The rate of interest you will have to pay back on your mortgage will vary depending on a variety of factors, including the type of mortgage you choose. Some of the most commonly available mortgage types are fixed rate mortgages, variable rate mortgages and tracker mortgages.

Variable rate mortgages charge interest based on the mortgage lender’s own Standard variable rate (SVR).

This is the lender’s default rate and excluded any offers or discounts. Many special mortgage deals, such as discounts or cashback mortgage offers, revert to the SVR when the deal ends. Lenders can change their own SVR at any time, so the amount you will pay each month cannot be guaranteed.

If you have a fixed rate mortgage, the interest rate that you pay will be set at a fixed amount for a specified period of time after the mortgage starts. For example, you may have a fixed interest rate for 2, 3 or 5 years, after which the interest reverts to the lender’s SVR.

Tracker mortgages offer a third option in which the rate of interest charged on the mortgage is directly linked to the Bank of England Base Rate.

With this rate currently at an historic low of 0.5%, tracker mortgage rates are also relatively low at the time of writing. Therefore, tracker mortgages can offer an attractive option to homebuyers as long as they are prepared to sacrifice the stability of a fixed rate mortgage deal and are prepared to accept the risk that the Base Rate could rise and thus increase the rate of interest that you have to pay on your mortgage.

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