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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.92% APR 

  • Fixed for 28 months
  • 60% LTV - Interest only option
  • Overall cost for comparison 3.20%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 28 months after which reverts to the RBS variable rate of 3.59%.

Call RBS on 0800 068 7706

1.03% APR

  • Fixed for 64 Months
  • 60% LTV - Interest Only
  • Overall cost for comparison 2.60%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 64 months after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

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

Mortgage To Buy House In Scotland

UK Mortgage rates are at all time lows!

See below for a selection of leading mortgages or use our independent mortgage advice service to discuss lenders who work in Scotland.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £671.87 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.92% Fixed 27 months 3.2% APRC 60% £999 £671.87 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 26 months
Monthly cost: £671.87 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.8% APRC
Platform logo 0.92% Fixed 26 months 3.8% APRC 60% £1,499 £250 cashback £671.87 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.93%
Rate type: Fixed 27 months
Monthly cost: £672.68 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.93% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £672.68 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.1% APRC
HSBC logo 0.94% Fixed 27 months 3.1% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.2% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 36 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Nationwide BS logo 0.94% Fixed 36 months 3.0% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £673.49 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.99%
Rate type: Discounted Variable 24 months
Monthly cost: £677.56 per month
Max LTV: 65%
Product fee: £699
Overall cost for comparison: 4.8% APRC
Hinckley & Rugby BS logo 0.99% Discounted Variable 24 months 4.8% APRC 65% £699 £677.56 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.99%
Rate type: Discounted Variable 24 months
Monthly cost: £677.56 per month
Max LTV: 60%
Product fee: £0
Overall cost for comparison: 3.8% APRC
Progressive BS logo 0.99% Discounted Variable 24 months 3.8% APRC 60% £0 £677.56 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.99%
Rate type: Fixed 24 months
Monthly cost: £677.56 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Progressive BS logo 0.99% Fixed 24 months 3.9% APRC 60% £995 £677.56 per month get quotes Call us0117 403 4474 More details 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 To Buy House In Scotland

Our Mortgage Service - helping you make the right decision

Special features of what we offer include:

  • Whole of market service - we work with leading UK mortgage lenders
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast 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

To compare your mortgage options for Scottish residential and buy to let property call our mortgage team on 0117 403 4474 or fill in our call back 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.

Mortgage To Buy House In Scotland

If you’re looking for a mortgage looking at a comparison of what is available to you can be a helpful in deciding which plan might be the right choice for you.  To get a mortgages comparison you can use the Fair Mortgages comparison calculator at the top of this page to see what might be available to you. 

To use the mortgages comparison calculator you just need to select what sort of mortgage you are interested in then fill in all the relevant details you can such as how much of a deposit you can put down, the value of the property etc.  The calculator will then be able to generate for you a selection of mortgages from different providers that fit your criteria so you can compare and contrast their features to help you decide which you would prefer. 

Considerations

When comparing different mortgage finance options one of the first things you might want to decide is whether you want a repayment or interest-only mortgage: 

Repayment mortgage – As the name suggests with this kind of mortgage you make a monthly repayment of your mortgage, this payment covers the interest that accrues on the loan and also repays a portion of the capital you owe the lender, at the end of your mortgage term you will therefore have repaid everything you owe the lender. 

Interest only mortgage – Interest only mortgages generally have cheaper monthly payments, this is because what you pay to the lender would only be to cover the interest that has accumulated on the loan.

Because during the mortgage term you do not pay back any of the loan when it is at the end of its term you need to repay the sum you originally borrowed in full. As this option poses a higher amount of risk to lender they tend to have stricter lending criteria for their interest only plans. 

Interest accumulation

Many mortgages have what’s called an ‘introductory rate’ which is a fixed initial term in which the way the interest that accrues on your loan is calculated differently than it would be for the rest of your mortgage’s term.

As there are a wide range of mortgage lenders available providing a diverse range of plans there is a choice in how your introductory interest is calculated how long the initial term will last for.

At the end of the introductory period commonly the lender will switch to calculating the interest based on their Standard Variable Rate which is a interest rate specific  to each lender which they can set and change as they want.

 Types of introductory rate include:

  • Fixed rate: A fixed rate mortgage has an introductory rate where the interest rate will stay the same each months, this means you know beforehand exactly what you will need to pay each month.   
  • Tracker: Tracker mortgages are linked to the Base Rate which is an interest rate set by the Bank of England, therefore any changes made to the base rate will change how much interest you need to pay each month. This means that you could be charged less or more interest depending on any changes made. 

If you want to find out more about mortgages for property in Scotland you can fill in the enquiry form to request a call back for a free initial conversation from our mortgages team or call directly on 0117 403 4474

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