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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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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 »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 4.08%
Rate type: 5 year fixed
Monthly cost: £958.08 per month
Product fee: £699
Overall cost for comparison: 6.9% APRC
Barclays logo 4.08% 5 year fixed 6.9% APRC £699 £958.08 per month get quotes Broker Only Deal
Initial rate: 4.09%
Rate type: 5 year fixed
Monthly cost: £959.07 per month
Product fee: £899
Overall cost for comparison: 7% APRC
Barclays logo 4.09% 5 year fixed 7% APRC £899 £959.07 per month get quotes Broker Only Deal
Initial rate: 4.09%
Rate type: 5 year fixed
Monthly cost: £959.07 per month
Product fee: £995
Overall cost for comparison: 6.8% APRC
Scottish Building Society logo 4.09% 5 year fixed 6.8% APRC £995 £959.07 per month get quotes Broker Only Deal
Initial rate: 4.17%
Rate type: 5 year fixed
Monthly cost: £967.08 per month
Product fee: £0
Overall cost for comparison: 6.2% APRC
Santander logo 4.17% 5 year fixed 6.2% APRC £0 £967.08 per month get quotes Broker Only Deal
Initial rate: 4.18%
Rate type: 5 year fixed
Monthly cost: £968.09 per month
Product fee: £999
Overall cost for comparison: 6% APRC
HSBC logo 4.18% 5 year fixed 6% APRC £999 £968.09 per month get quotes Broker Only Deal
Initial rate: 4.23%
Rate type: 5 year fixed
Monthly cost: £973.11 per month
Product fee: £899
Overall cost for comparison: 7% APRC
Barclays logo 4.23% 5 year fixed 7% APRC £899 £973.11 per month get quotes Broker Only Deal
Initial rate: 4.24%
Rate type: 5 year fixed
Monthly cost: £974.12 per month
Product fee: £999
Overall cost for comparison: 6.6% APRC
Nationwide Building Society logo 4.24% 5 year fixed 6.6% APRC £999 £974.12 per month get quotes Broker Only Deal
Initial rate: 4.24%
Rate type: 5 year fixed
Monthly cost: £974.12 per month
Product fee: £995
Overall cost for comparison: 6.7% APRC
NatWest logo 4.24% 5 year fixed 6.7% APRC £995 £974.12 per month get quotes
Initial rate: 4.28%
Rate type: 5 year fixed
Monthly cost: £978.15 per month
Product fee: £999
Overall cost for comparison: 7% APRC
Halifax 4.28% 5 year fixed 7% APRC £999 £250 cashback £978.15 per month get quotes
Initial rate: 4.28%
Rate type: 5 year fixed
Monthly cost: £978.15 per month
Product fee: £999
Overall cost for comparison: 7% APRC
Halifax 4.28% 5 year fixed 7% APRC £999 £250 cashback £978.15 per month get quotes 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

Mortgage Providers

Our Mortgage Service

Getting a mortgage can bring with it a range of complexities. Our mortgage service offers:

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

  • Access to leading market mortgage rates 

  • Access to exclusive mortgage deals not available on high street

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

  • We have mortgage providers who will take into account previous credit issues 

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

To investigate your mortgage options call our specialist mortgage team on 0117 403 4474 or fill in our callback request form.

Mortgages are big financial commitments that can take decades to fully pay off; therefore you probably want to find the one that fits your specific circumstances best.

There are thousands of mortgages available on the market from a wide range of high street and specialist mortgage providers, while this means there is a wide selection of options available to potential borrowers it can make it hard to decide which would be most appropriate for you.

If you are currently in the market for a new mortgage whether it’s for your first home, a holiday home, a buy to let or if you’re interested in remortgaging to get a better rate you might find the Fair Mortgages calculator useful.

You just need to select what sort of mortgage you are interested in and put in all the relevant information that you can.

The Fair Mortgages calculator will then filter selection of offerings from different mortgage providers so that you can compare and contrast what might be available to you.

Types of mortgage

When looking for a mortgage you should first decide if you want a repayment or interest only mortgage as they can differ substantially as does the lending criteria. 

  • Capital repayment – As the name suggests with a repayment mortgage, you make monthly payments that cover the interest that contributes to pay for the interest that accrues on your loan as well as the original sum you have borrowed. This means that at the end of your loan term, providing you maintain your repays you will have completely paid off the mortgage. Some mortgages will permit repayment holidays which will delay how long it takes to pay off, others may allow overpayments or early repayment which will allow you to pay it off sooner

  • Interest only – With this mortgage option your monthly charge will only cover the cost of the interest that gathers on your loan. At the end of your mortgage term you are required to repay in full the amount you originally borrowed. Because of this responsibility lenders often require borrowers to provide a detailed savings or investment plan to show how they intend to raise the necessary capital within the timeframe of the mortgage. They also generally have stricter lending criteria requiring applicants to have higher salaries than you would expect from a repayment mortgage of the same size. As your monthly cost is only to cover the interest on the loan this amount is normally cheaper than with a repayment option.

As well as choosing between an interest only or repayment plan you should also consider the different introductory rates available to see which you would prefer.

If you are thinking about taking out a mortgage or remortgage you may find speaking to an independent intermediary such as our firm; intermediaries can also access specialist lenders who cannot be directly contacted by potential borrowers.

If you want to find out more about mortgage providers you can fill in the online enquiry form on this website to request a call back from a Fair Mortgages Advisor who can provide you with a free initial conversation about mortgages. Call 0117 403 4474 or request a callback.

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