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Mortgage & Equity Release - Call Us 0117 403 4474

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

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: £559.89 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 £559.89 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call direct0800 068 8567
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 26 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.9% APRC
Platform logo 0.92% Fixed 26 months 3.9% APRC 60% £1,499 £250 cashback £559.89 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £250 cashback £559.89 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
HSBC logo 0.94% Fixed 27 months 3.2% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.3% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.3% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 8567
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 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 £200 cashback £561.24 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 7706
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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

Mortgages for Joint Ownership

Our Joint Mortgage Service - helping you make the right decision

"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.

Mortgages for Joint Ownership

Compare Mortgages for Joint Ownership

If you want to get a foot on the property ladder and take the first step towards owning your own home, you could find that you can get a higher value mortgage deal by taking out a joint mortgage with a partner, friend, or group of friends. By combining your financial resources you may be able to access a better rate than you would as a single buyer, as well as having the means to buy a larger property that would be possible on one income alone.

How do mortgages for joint ownership work?

A joint mortgage is a mortgage that is held in the name of more than one person. Most commonly, joint mortgages are taken out by partners of spouses, but people looking to house-share many also want to consider this option for home purchase.

There are two types of joint mortgage and the best type for your circumstances will depend lar4gely on whether you intent to buy a home with a partner, or with a friend or other relative. You can choose mortgages for joint ownership wither as joint tenants, or as tenants in common.

 Mortgages for joint ownership with Joint Tenancy

Joint tenancy means that each of you owns an equal share of the property – in practice this usually means that two people will own half each. In legal terms, a joint tenancy mortgage considers you to be a single owner and the property will automatically pass to the surviving owner or owners if one person dies, which means that this type of joint mortgage is generally more appropriate for people in relationships such as spouses or long-term partners.

Mortgages for joint ownership with Tenancy in Common

Up to four people can be named on a mortgage as tenants in common. Unlike a joint tenancy, owners under tenancy in common are not considered to be one single owner and do not automatically have equal shares in the property. This type of joint mortgage is the more usual choice for multiple buyers who are not in a relationship, such as friends or siblings buying together. If one named owner dies the property will not automatically pass to the surviving owner or owners, but will be allocated based on wills, so it’s vital for all owners to have an up-to-date will when buying with a tenancy in common.

Another key difference from a joint tenancy is that a tenancy in common means that you can each own a different share of the property, rather than an automatic half-and-half division of ownership. 

If you are unsure about what mortgage product is suitable for you call 0117 313 7780 or request a callback.

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