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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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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: 1.6%
Rate type: Fixed Jun-2023
Monthly cost: £492.01 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.7% APRC
NatWest logo 1.6% Fixed Jun-2023 3.7% APRC 60% £1025.00 £492.01 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.71%
Rate type: Fixed Jul-2024
Monthly cost: £502.08 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.2% APRC
Virgin Money logo 1.71% Fixed Jul-2024 4.2% APRC 60% £2213.00 £500 cashback £502.08 per month get quotes Call direct0330 057 1595 More details
Initial rate: 1.71%
Rate type: Fixed Jul-2023
Monthly cost: £502.08 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.3% APRC
Virgin Money logo 1.71% Fixed Jul-2023 4.3% APRC 60% £2213.00 £500 cashback £502.08 per month get quotes Call direct0330 057 1595 More details
Initial rate: 1.81%
Rate type: Fixed Jul-2023
Monthly cost: £506.85 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4.4% APRC
Virgin Money logo 1.81% Fixed Jul-2023 4.4% APRC 60% £2213.00 £500 cashback £506.85 per month get quotes Call direct0330 057 1595 More details
Initial rate: 1.88%
Rate type: Fixed Jun-2026
Monthly cost: £505.20 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.88% Fixed Jun-2026 3.3% APRC 60% £1025.00 £505.20 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.94%
Rate type: Fixed Jul-2023
Monthly cost: £508.05 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4.3% APRC
Virgin Money logo 1.94% Fixed Jul-2023 4.3% APRC 60% £1213.00 £500 cashback £508.05 per month get quotes Call direct0330 057 1595 More details
Initial rate: 1.99%
Rate type: Fixed Jul-2026
Monthly cost: £515.49 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 1.99% Fixed Jul-2026 3.9% APRC 60% £2213.00 £500 cashback £515.49 per month get quotes Call direct0330 057 1595 More details
Initial rate: 2.04%
Rate type: Fixed Jul-2023
Monthly cost: £512.83 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4.4% APRC
Virgin Money logo 2.04% Fixed Jul-2023 4.4% APRC 60% £1213.00 £500 cashback £512.83 per month get quotes Call direct0330 057 1595 More details
Initial rate: 2.05%
Rate type: Fixed Jul-2026
Monthly cost: £513.31 per month
Max LTV: 60%
Product fee: £1213.00
Overall cost for comparison: 4% APRC
Virgin Money logo 2.05% Fixed Jul-2026 4% APRC 60% £1213.00 £500 cashback £513.31 per month get quotes Call direct0330 057 1595 More details
Initial rate: 2.09%
Rate type: Fixed Jul-2026
Monthly cost: £520.33 per month
Max LTV: 60%
Product fee: £2213.00
Overall cost for comparison: 4% APRC
Virgin Money logo 2.09% Fixed Jul-2026 4% APRC 60% £2213.00 £500 cashback £520.33 per month get quotes Call direct0330 057 1595 More details
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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 rental property

Our 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 rental property

"We know that the internet is the first port of call for many people when looking for mortgage solutions; our view is, yes use the internet to do your own research , but then bring it to us and we’ll let you know how your findings compare and then give you the information and advice you need - so that you can make the right decision for your future.” Adam Arnott, Head of Mortgages & Protection

Compare mortgages for rental property

If you want to buy a rental property using a mortgage, you first need to decide whether you want to rent the property to residential tenants or to holidaymakers on a short term basis. It’s important to consider these points before you approach a potential mortgage providers.

Mortgages for rental property – buy to let

If you want to rent out your property as a landlord to full-time tenants, you will need a specialist buy-top-let mortgage. These types of mortgages usually require a higher minimum deposit than you might usually expect to pay on a residential mortgage. Mortgages for rental properties for buy to let also tend to offer lower loan to value deals when compared to residential mortgage deals. Mortgages for rental property tend to start at around 60-75% loan to value, whereas in the residential mortgage market, loan to values rates of up to 95% are obtainable in some circumstances.

Costs to consider with mortgages for rental property

Mortgages for rental property often charge higher fees which can be an important initial expense to consider, especially when you take into account that mortgages for rental property often also have higher interest rates.

Your ability to afford the mortgage will be calculated using the amount of rental income that you can reasonably expect to accrue from letting out the properly. Most mortgage providers for rental property will want to see a projected monthly rental rate that is at least 125% of the mortgage repayments. 

Speak to our specialist team to help you find the right mortgage option for you. To speak to one of our mortgage advisers click here »

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