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Mortgage & Equity Release - Call Us 0117 403 4474

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: 1.23%
Rate type: Fixed Jun-2023
Monthly cost: £584.92 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.23% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £584.92 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.24%
Rate type: Fixed Jun-2023
Monthly cost: £585.61 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.24% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £585.61 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.28%
Rate type: Fixed Jun-2026
Monthly cost: £588.40 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.28% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £588.40 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.29%
Rate type: Fixed Jun-2026
Monthly cost: £589.10 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.29% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £589.10 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.35%
Rate type: Fixed Jul-2026
Monthly cost: £593.30 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.35% Fixed Jul-2026 3.1% APRC 65% £1300.00 £300 cashback £593.30 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.68%
Rate type: Fixed Jul-2026
Monthly cost: £612.67 per month
Max LTV: 65%
Product fee: £305.00
Overall cost for comparison: 3.2% APRC
Virgin Money logo 1.68% Fixed Jul-2026 3.2% APRC 65% £305.00 £612.67 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.74%
Rate type: Fixed Jul-2026
Monthly cost: £621.06 per month
Max LTV: 75%
Product fee: £1300.00
Overall cost for comparison: 3.3% APRC
Virgin Money logo 1.74% Fixed Jul-2026 3.3% APRC 75% £1300.00 £1000 cashback £621.06 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.83%
Rate type: Fixed Jun-2023
Monthly cost: £623.44 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.83% Fixed Jun-2023 3.3% APRC 60% £30.00 £623.44 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.98%
Rate type: Fixed Jun-2026
Monthly cost: £634.32 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3% APRC
NatWest logo 1.98% Fixed Jun-2026 3% APRC 60% £30.00 £634.32 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.99%
Rate type: Fixed Jul-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 Jul-2023 3.9% APRC 65% £1300.00 £300 cashback £639.26 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

New Build Mortgages

Our New Build Mortgages

Why choose us for your new build mortgage

Fair Mortgages can provide you with a first class mortgage service for your new build.

Special features of what we offer include:

  • One of only 20 advisers in the UK to have a strategic partnership with Legal and General New Build Initiative
  • Extended Lender panel with exclusive products
  • Tailored Offering - 28 day exchange plus minimum offer period of 6 months
  • New build products with extended dates (up to 9 month completions)
  • Day 1 valuations
  • Builder incentives accepted up to 5%
  • New build flats now up to 90% LTV
  • We have lenders who will consider properties subject to section 106/75
  • We hhave access to lenders who will finance for IVA/DMP/Bankrupt clients

"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.

New Build Mortgages

If you want to buy a new build property, there are a variety of options on the market, including Government-backed schemes such as NewBuy, which offers high loan-to-value (LTV) mortgages requiring a low deposit to those looking to purchase a newly built house.

This scheme is designed to assist first time buyers and those who would otherwise struggle to raise a deposit. The scheme is also intended to stimulate the construction industry by encouraging the building of new homes.

To investigate your options for new build mortgage finance call our specialist team on 0117 313 7780 or fill in our call back form. 

What are the advantages of buying a new build home?

There are several reasons why people choose to take out a mortgage on a new build home, including:

  • More accessible - It can sometimes be easier to get mortgage finance on a new build property due to the influence of schemes such as NewBuy, which have forged links between property developers, mortgage lenders, and the Government. This could help buyers to get a higher LTV mortgage than might be available on an older property.
  • Lower deposit – It may be possible to get a new build mortgage with a deposit as low as 5%.
  • Good condition – Buying a newly build house means that you shouldn’t need to finance expensive renovation or redecoration when you move in. New homes also tend to have higher standards of insulation and eco-efficiency than older properties, which could save you money on energy bills.

Choosing a new build mortgage

If you are thinking of getting a mortgage on a newly built property, you may want to consider the NewBuy scheme.

This is a Government initiative, launched in March 2012, which aims to help people in England to buy a new build home. 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. New home buyers wishing to take advantage of the scheme will need to qualify for a mortgage with a mortgage lender in the usual way and be subject to the lender’s normal assessment criteria.

If you apply for a mortgage under the NewBuy scheme you will be required to fulfil certain additional criteria specific to this scheme.

To find the best mortgages for new build houses call us today on 0117 313 7780 to get:

  • New build mortgage quotes from leading UK lenders
  • Expert new build mortgage advice from our experienced qualified mortgage team
  • New-Build mortgage rates not available on the high street
  • Relationships with 3 national conveyancing networks to help ensure the legal work is done professionally and promptly
  • A whole of market protection offer. We can advise on protection options to ensure that your mortgage is protected.
  • Dedicated case manager who will be allocated to you to ensure all teh administration of your mortgage is taken off your shoulders
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Call 0117 313 7780 or Request Call Back - New Build Mortgage Service

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

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