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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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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 Renewal

Mortgage Renewal

Contact us for advice on your options

 Our mortgage service can provide you with information on your options - our service provides:

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

  • Access to leading market mortgage rates 

  • Access to exclusive mortgage deals not available on high street

  • Remortgage options

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

  • We have lenders who will take into account previous credit issues 

To investigate your mortgage options if you are in the process getting a mortgage renewal, call our specialist mortgage team on 0117 403 4474 or fill in our callback request form.

"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.

Why Choose Us?

Mortgage Renewal

Mortgage Renewal

Whilst the majority of traditional mortgages last a lengthy 25 years, you do not have to wait until this mortgage expires before you renew your mortgage.

Nowadays, the majority of modern mortgages do not require you to ‘lock in’, and as mortgage rates can drastically change throughout the term of your mortgage; looking into a mortgage renewal could save you a lot of money.

Advantages of renewing your mortgage

Reduce interest rates – If you find the right deal, renewing your mortgage could reduce the interest rate and monthly repayments on your existing mortgage.

Raise Capital – Releasing equity in your house allows you to raise capital to fund a major purchase, a new home or to consolidate debts.

Switch Lenders – You can switch to a lender who offers better benefits.

What types of mortgage can I switch to?

Mortgages can come in three different forms, and you should ensure that you select the one that most suits your personal circumstances.

  • Fixed Rate Mortgages – This is a loan where the interest rate remains the same throughout the term of the loan.

  • Variable Rate Mortgage – This is a loan in which the interest rate can fluctuate throughout the term of the loan; based around the Bank of England’s base rate.

  • Offset Mortgages – an offset mortgage is connected to your savings account, current account or both. By offsetting your savings against your mortgage you may be able to reduce the amount of interest you are required to pay on your mortgage, whilst still retaining access to your money.

Considerations

Renewing your mortgage is a big decision, which is why we recommend that you contact a mortgage broker before committing to a decision. A mortgage broker will be able to analyse your personal circumstances and give unbiased, expert advice as to whether it is the right option for you.Additionally, a mortgage broker usually has access to UK leading and exclusive deals, which are not available on the high street.

To look at competitive deals available to you on your mortgage why not use our online mortgage calculator, or alternatively; call us today on 0117 403 4474 for a free initial consultation.

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