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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 »

Mortgage With A Good Credit Score

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: 4.28%
Rate type: 5 year fixed
Monthly cost: £978.15 per month
Product fee: £0
Overall cost for comparison: 6.3% APRC
Santander logo 4.28% 5 year fixed 6.3% APRC £0 £978.15 per month get quotes Broker Only Deal
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £995
Overall cost for comparison: 7% APRC
TSB logo 4.39% 5 year fixed 7% APRC £995 £989.29 per month get quotes
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.39% 5 year fixed 6.7% APRC £999 £989.29 per month get quotes Broker Only Deal
Initial rate: 4.40%
Rate type: 5 year fixed
Monthly cost: £990.31 per month
Product fee: £699
Overall cost for comparison: 7% APRC
Barclays 4.40% 5 year fixed 7% APRC £699 £990.31 per month get quotes Broker Only Deal
Initial rate: 4.41%
Rate type: 5 year fixed
Monthly cost: £991.33 per month
Product fee: £899
Overall cost for comparison: 7% APRC
Barclays 4.41% 5 year fixed 7% APRC £899 £991.33 per month get quotes Broker Only Deal
Initial rate: 4.44%
Rate type: 5 year fixed
Monthly cost: £994.38 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.44% 5 year fixed 6.7% APRC £999 £994.38 per month get quotes Broker Only Deal
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £995
Overall cost for comparison: 6.8% APRC
NatWest logo 4.45% 5 year fixed 6.8% APRC £995 £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes Broker Only Deal
Initial rate: 4.48%
Rate type: 5 year fixed
Monthly cost: £998.46 per month
Product fee: £0
Overall cost for comparison: 6.3% APRC
Santander logo 4.48% 5 year fixed 6.3% APRC £0 £998.46 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 With Good Credit Score

Mortgage with Good Credit Score

If you’re fortunate to have a good credit score and you are looking secure a mortgage, it is likely you will be widely considered and even accepted by the majority of lenders on the marker.

As you will probably be eligible for the majority of mortgage deals, it is vital that you do plenty of shopping around to find the most competitive rate available to you.

In addition to your good credit score, you can further maximise the likelihood of you getting the best deal on your mortgage through following these simple steps.

  1. Save for a higher deposit – generally speaking the more you have to put down on a deposit, the better rate of interest you are likely to be offered.

  2. Ensure your financial and employment documents are up to date – These will help prove to lenders that you have a stable career and good monetary history.

  3. Ensure your credit history is up to date – Using online services you can quickly and easily check your credit score to ensure it is up to date before applying for your mortgage.

  4. Consider all other fees – Whilst it can be easy to go for the first mortgage deal that offers you the lowest interest rate, you should also consider additional fees and costs (such as arrangement fees) associated with each package.

Types of Mortgage deals

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.

 

Speak to a Mortgage adviser

Speaking to a mortgage adviser could help you find out about your chances of being accepted for a mortgage, by using the services of an independent mortgage adviser in addition to being able offer clients impartial advice, one which offers a whole of market service can use their professional knowledge of the industry to search across providers to try and find the best products available to them.

There are also certain specialist mortgages that can only be applied for via an intermediary.To find out if Fair Mortgages could help you, fill in the online contact form on this page to request a call back, at a time that suits you. Alternatively you can call directly on 0117 403 4474.

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