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Mortgage & Equity Release - Call Us 0117 205 1481

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: 1.22%
Rate type: Fixed Mar-2023
Monthly cost: £584.22 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.22% Fixed Mar-2023 3.3% APRC 60% £1025.00 £250 cashback £584.22 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.34%
Rate type: Fixed Mar-2023
Monthly cost: £592.60 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.34% Fixed Mar-2023 3.3% APRC 60% £1025.00 £250 cashback £592.60 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.35%
Rate type: Fixed May-2026
Monthly cost: £595.26 per month
Max LTV: 65%
Product fee: £1800.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.35% Fixed May-2026 3.1% APRC 65% £1800.00 £300 cashback £595.26 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.37%
Rate type: Fixed Mar-2026
Monthly cost: £594.70 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.37% Fixed Mar-2026 2.8% APRC 60% £1025.00 £250 cashback £594.70 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.39%
Rate type: Fixed May-2026
Monthly cost: £596.11 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.39% Fixed May-2026 3.1% APRC 65% £1300.00 £300 cashback £596.11 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.44%
Rate type: Fixed Mar-2026
Monthly cost: £599.64 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.9% APRC
NatWest logo 1.44% Fixed Mar-2026 2.9% APRC 60% £1025.00 £250 cashback £599.64 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.99%
Rate type: Fixed May-2023
Monthly cost: £639.26 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 1.99% Fixed May-2023 3.9% APRC 65% £1300.00 £300 cashback £639.26 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.99%
Rate type: Fixed May-2026
Monthly cost: £635.05 per month
Max LTV: 65%
Product fee: £305.00
Overall cost for comparison: 3.3% APRC
Virgin Money logo 1.99% Fixed May-2026 3.3% APRC 65% £305.00 £635.05 per month get quotes Call direct0330 057 1528 More details
Initial rate: 2.15%
Rate type: Fixed May-2024
Monthly cost: £651.08 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.8% APRC
Virgin Money logo 2.15% Fixed May-2024 3.8% APRC 65% £1300.00 £300 cashback £651.08 per month get quotes Call direct0330 057 1528 More details
Initial rate: 2.15%
Rate type: Fixed May-2028
Monthly cost: £651.08 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.2% APRC
Virgin Money logo 2.15% Fixed May-2028 3.2% APRC 65% £1300.00 £300 cashback £651.08 per month get quotes Call direct0330 057 1528 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 Unencumbered property

If you own a property outright, with no mortgage or other debt secured against it, raising a mortgage could be a cost-effective way to raise capital. Mortgages on this kind of unencumbered property are usually relatively easy to arrange, as long as you meet lenders’ other criteria.

We can help you find the best deals on mortgages for unencumbered property, allowing you to get the money you need at an affordable rate.

Our mortgage broker service

Our team of highly experienced mortgage brokers work borrowers on all kind of mortgage deals, including mortgages for unencumbered property. We can offer you:

  • Whole of market access – we have links with all the top mortgage lenders
  • Market-leading mortgage rates – see all the top mortgage deals currently available
  • Exclusive deals not available on high street – including from private banks and lenders
  • Fast turnaround - speak to us today if you need to move quickly
  • Mortgages for bad credit – we have contacts with lenders willing to consider borrowers with previous defaults and missed payments 
  • Mortgage for complex situations – including for ex-pats and foreign nationals
  • Extra borrowing on top of your mortgage – additional secured loan options, including bridging finance

To investigate your mortgage options, try our free mortgage calculator or get in touch with our experienced mortgage brokers by calling 0117 205 1481 or filling in the call back form on the right.

Mortgages for Unencumbered property

Lending criteria for mortgages on unencumbered property

Mortgages on unencumber property usually have the same lending criteria as any other type of mortgage, although the lender will usually want to know what you are intend to use the money raised for.

Common reasons for raising a mortgage on an unencumbered property include:

  • To release equity from your home
  • To have the cash to buy a new property without waiting to sell your current home
  • To finance a buy to let property purchase
  • To buy a holiday home
  • To help finance other projects such as renovation or extensions
  • To help children with university expenses or with their own deposit for a home

Restrictions on unencumbered property mortgages

When taking out a mortgage on an unencumbered property, mortgage lenders may allow you access to their standard residential home mover mortgage range. However, they may also add certain caveats for unencumbered property – for example, you may not be eligible for special offers that reduce or waive legal fees.

To help you choose the right mortgages for unencumbered property, it is a good idea to consult with an independent mortgage broker with whole of market access who can help you find all the best deals available that match your requirements. That way you can find the money you need quickly, efficiently and with the minimum possible stress and hassle.

Find the best mortgages for unencumbered property

Looking for the best interest rates on mortgages for unencumbered property? Our free mortgage calculator allows you to quickly and easily compare leading deals from across the market, so you can find the best mortgage deal for you.

For more personal mortgage advice, call Fair Mortgages today on 0117 205 1481 or fill in our call back form on the right hand side of the page.

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