This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

 

2.44% Lifetime Tracker 

  • Maximum LTV 80%
  • Overall cost for comparison 2.5% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

1.22% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.37% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 2.80%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.60% 2 Year Fixed 

  • 90% Loan To Value
  • Overall cost for comparison 3.60%

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to the variable rate of 3.59%.

Call us on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 3.24%
Rate type: Fixed Jul-2023
Monthly cost: £1319.17 per month
Max LTV: 90%
Product fee: £1300.00
Overall cost for comparison: 4.2% APRC
Virgin Money logo 3.24% Fixed Jul-2023 4.2% APRC 90% £1300.00 £500 cashback £1319.17 per month get quotes Call direct0330 057 1528 More details
Initial rate: 3.29%
Rate type: Fixed Jul-2023
Monthly cost: £1326.34 per month
Max LTV: 90%
Product fee: £1300.00
Overall cost for comparison: 4.2% APRC
Virgin Money logo 3.29% Fixed Jul-2023 4.2% APRC 90% £1300.00 £1000 cashback £1326.34 per month get quotes Call direct0330 057 1528 More details
Initial rate: 3.29%
Rate type: Fixed Jun-2023
Monthly cost: £1326.34 per month
Max LTV: 90%
Product fee: £1025.00
Overall cost for comparison: 3.7% APRC
NatWest logo 3.29% Fixed Jun-2023 3.7% APRC 90% £1025.00 £250 cashback £1326.34 per month get quotes Call direct0800 068 8567 More details
Initial rate: 3.39%
Rate type: Fixed Jul-2023
Monthly cost: £1335.81 per month
Max LTV: 90%
Product fee: £305.00
Overall cost for comparison: 4.1% APRC
Virgin Money logo 3.39% Fixed Jul-2023 4.1% APRC 90% £305.00 £500 cashback £1335.81 per month get quotes Call direct0330 057 1528 More details
Initial rate: 3.41%
Rate type: Fixed Jul-2026
Monthly cost: £1343.62 per month
Max LTV: 90%
Product fee: £1300.00
Overall cost for comparison: 4% APRC
Virgin Money logo 3.41% Fixed Jul-2026 4% APRC 90% £1300.00 £500 cashback £1343.62 per month get quotes Call direct0330 057 1528 More details
Initial rate: 3.48%
Rate type: Fixed Jun-2026
Monthly cost: £1353.76 per month
Max LTV: 90%
Product fee: £1025.00
Overall cost for comparison: 3.7% APRC
NatWest logo 3.48% Fixed Jun-2026 3.7% APRC 90% £1025.00 £250 cashback £1353.76 per month get quotes Call direct0800 068 8567 More details
Initial rate: 3.53%
Rate type: Fixed Jun-2023
Monthly cost: £1356.03 per month
Max LTV: 90%
Product fee: £30.00
Overall cost for comparison: 3.7% APRC
NatWest logo 3.53% Fixed Jun-2023 3.7% APRC 90% £30.00 £1356.03 per month get quotes Call direct0800 068 8567 More details
Initial rate: 3.62%
Rate type: Fixed Jul-2026
Monthly cost: £1369.12 per month
Max LTV: 90%
Product fee: £305.00
Overall cost for comparison: 4% APRC
Virgin Money logo 3.62% Fixed Jul-2026 4% APRC 90% £305.00 £500 cashback £1369.12 per month get quotes Call direct0330 057 1528 More details
Initial rate: 3.68%
Rate type: Fixed Jun-2026
Monthly cost: £1377.89 per month
Max LTV: 90%
Product fee: £30.00
Overall cost for comparison: 3.7% APRC
NatWest logo 3.68% Fixed Jun-2026 3.7% APRC 90% £30.00 £1377.89 per month get quotes Call direct0800 068 8567 More details
Initial rate: 3.79%
Rate type: Fixed Jul-2028
Monthly cost: £1399.18 per month
Max LTV: 90%
Product fee: £1300.00
Overall cost for comparison: 4.1% APRC
Virgin Money logo 3.79% Fixed Jul-2028 4.1% APRC 90% £1300.00 £500 cashback £1399.18 per month get quotes Call direct0330 057 1528 More details
12

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 New Build Houses

Mortgage Service for New Builds

"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 New Build Houses

Compare Mortgages for New Build houses

If you are interested in purchasing a new build house, the good news is that there are Government initiatives in place to help you do so. Newbuy, launched in March 2012, aims to help people in England buy a new build house.  

The scheme offers buyers the opportunity to secure a high loan-to-value (LTV) mortgage, which will require a lower deposit than is usually required for home purchase.

How does NewBuy work?

The Newbuy scheme is intended to benefits both first time home buyers, and people who might otherwise find it hard to raise a substantial deposit for a house.

Another aim of the Newbuy scheme is to help boost the British construction industry by spurring on the building of new homes. You may be eligible for the NewBuy scheme provided that you have a deposit of at least 5% - this is a smaller deposit than is normally required to secure a mortgage.

Getting mortgages for new build houses

Some of the potential reasons why you might want to consider a new build house could include:

  • Affordability – Government schemes such as NewBuy foster links between property developers and mortgage providers, which can help purchasers access higher LTV mortgages than might be available to them if buying an older property.
  • Low deposit requirement – With the help of schemes such as Newbuy and Help to Buy, it may be possible to get a mortgage on a new build house for as little as a 5% deposit
  • Brand new condition – New build houses come with the latest decoration and features so you shouldn’t find that you need to budget for remodelling or decorating when you move into the property
  • Eco-friendly – New build houses often have very high standards of energy efficiency and good insulation, and may also be made from sustainable materials. 

If you are unsure about what mortgage product is suitable for you to speak to one of our mortgage advisers click here »

house icon

Request Callback - New Build Mortgage Service

For a FREE initial conversation about your mortgage options complete our short enquiry form.

request call back

Please confirm your details

Extra information

The optional information below will help us to contact you

Our Services