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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.87% APR 

  • Fixed for 26 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 26 months after which reverts to the RBS variable rate of 3.59%.

Call RBS on 0800 068 7706

0.97% APR

  • Fixed for 62 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 62 months after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.15% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.60%

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 3.59%.

Call NatWest FREE on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.79%
Rate type: Fixed 27 months
Monthly cost: £661.40 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.8% APRC
Platform logo 0.79% Fixed 27 months 3.8% APRC 60% £1,499 £250 cashback £661.40 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.84%
Rate type: Fixed 27 months
Monthly cost: £665.41 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.8% APRC
Platform logo 0.84% Fixed 27 months 3.8% APRC 60% £999 £250 cashback £665.41 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.85%
Rate type: Variable 24 months
Monthly cost: £666.22 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.85% Variable 24 months 3.2% APRC 60% £999 £666.22 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.86%
Rate type: Fixed 26 months
Monthly cost: £667.02 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.86% Fixed 26 months 3.2% APRC 60% £999 £667.02 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 26 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.1% APRC
HSBC logo 0.89% Fixed 26 months 3.1% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.89%
Rate type: Fixed 24 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Nationwide BS logo 0.89% Fixed 24 months 3.2% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 36 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Nationwide BS logo 0.89% Fixed 36 months 3.0% APRC 60% £999 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 24 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.9% APRC
Progressive BS logo 0.89% Fixed 24 months 3.9% APRC 60% £995 £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.89%
Rate type: Fixed 27 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 0.89% Fixed 27 months 3.0% APRC 60% £999 £250 cashback £669.44 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.89%
Rate type: Fixed 27 months
Monthly cost: £669.44 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Santander logo 0.89% Fixed 27 months 3.0% APRC 60% £999 £250 cashback £669.44 per month get quotes Call us0117 403 4474 More details Broker Only Deal
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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

Part And Part Mortgage

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.

Part and Part Mortgage

Our independent mortgage broker service provides: 

  • FREE initial mortgage consultation
  •  
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

Part and Part Mortgages

Part and Part mortgages are a less common type of mortgage, they essentially allow a borrower to have a single mortgage on a property with a portion of it held on a repayment basis and another portion on a interest-only basis.

How Part and Part Mortgages work

Part and part mortgages work by splitting a mortgage between two different payment methods, this means that the borrower will over the course of the mortgage term repay some of the mortgage balance and then be required to repay the remaining interest-only part of the mortgage, in full at the end of its full-term.

For example, if an individual took out a part and part mortgage of £50,000 this could be on a basis of £30,000 repayment and £20,000 interest only.

With this example at the end of the term of the mortgage the saver would have to repay £20,000. This is because over the course of the loan the monthly mortgage payments will repay both the capital and interest of the 30,000 portion and just the interest of the £20,000 portion.

About Part and part mortgages

The monthly repayments of a part and part mortgage may be cheaper than a comparable full repayment mortgage as you are not repaying all of the capital in your monthly instalments.

However, similarly the monthly instalments may be more expensive than they would be with a comparable interest-only mortgage.

You will need to provide the lender with a detailed plan of how you intend to repay the remaining original balance, from the interest only portion of the mortgage at the end of the mortgage’s full term.

Before you apply for a mortgage

As with any type of mortgage, it is worth shopping around different products to try and find the product that you feel would best fit your specific needs. In addition to this you may wish to consider other sorts of mortgages such as a standard repayment or interest only products.

Remember that your financial factors such as the size of deposit, your affordability and credit history will determine exactly what products are available to you.

Mortgage adviser

Borrowers may benefit from using the services of an independent mortgage adviser. An adviser that offers a whole of market service can use their expertise to search across a range of lenders on the behalf of their client to try and find the most suitable products for them, in addition to be providing them with impartial advice.

To find out if Fair Mortgages could help you fill in our online contact form to request a call back for a free initial consultation. Alternatively call directly on: 0117 403 4474

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