**Halifax: **
Tracker till 30-09-21
Rate
**
1.45%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.24%
Set-up Fees:
**£1,199**

Monthly Payment
**£477 For 26 months
**
Then £634 for 22 years and 10 months

MSE Total Cost **£6,280
**

for year 1
**
This product is available directly from Halifax or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£200

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

1.5% until 30-09-20, 1% until 30-09-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £187,237 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**Halifax: **
Tracker till 30-09-21
Rate
**
1.52%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.24%
Set-up Fees:
**£1,199**

Monthly Payment
**£481 For 26 months
**
Then £634 for 22 years and 10 months

MSE Total Cost **£6,320
**

for year 1
**
This product is available directly from Halifax or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£200

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

1.4% until 30-09-20, 0.9% until 30-09-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £187,457 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**Furness Building Society: **
2 yr Discount Variable
Rate
**
1.55%
**

**For 24 months, then SVR for 23 years**
currently 5.79%
Set-up Fees:
**£1,264**

Monthly Payment
**£483 For 24 months
**
Then £735 for 23 years

MSE Total Cost **£6,420
**

for year 1
**
This product is available directly from Furness Building Society or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£245

Other Fees: £20

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£120, plus (2% in year 1, 1% in year 2)

OTHER PRODUCT INFO

Exit fee:£120

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£1,000,000

The total amount payable is £215,891 and the overall cost for comparison is

**5.2%** APRC.

What does this mean?

**Halifax: **
DIRECT Current Acc Fixed till 30-11-21
Rate
**
1.58%
**

**For 28 months, then SVR for 22 years and 8 months **
currently 4.24%
Set-up Fees:
**£1,195**

Monthly Payment
**£484 For 28 months
**
Then £633 for 22 years and 8 months

MSE Total Cost **£6,320
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£200

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

1.75% until 30-11-20, 1.5% until 30-11-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£100,000

Maximum Loan£249,999

The total amount payable is £187,040 and the overall cost for comparison is

**3.8%** APRC.

What does this mean?

**Halifax: **
Fixed till 30-09-21
Rate
**
1.58%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.24%
Set-up Fees:
**£1,199**

Monthly Payment
**£484 For 26 months
**
Then £635 for 22 years and 10 months

MSE Total Cost **£6,360
**

for year 1
**
This product is available directly from Halifax or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£200

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

1.3% until 30-09-20, 0.8% until 30-09-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £187,644 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**RBS: **
DIRECT Fixed till 31-10-21
Rate
**
1.60%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.24%
Set-up Fees:
**£1,273**
Cashback: Up to £250

Monthly Payment
**£485 For 27 months
**
Then £634 for 22 years and 9 months

MSE Total Cost **£6,280
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£248

Other Fees: £30

Cashback:Up to £250

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-10-20, 1% until 31-10-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £187,231 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**NatWest via broker: **
Core Fixed till 31-10-21
Rate
**
1.60%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.24%
Set-up Fees:
**£1,273**
Cashback: Up to £250

Monthly Payment
**£485 For 27 months
**
Then £634 for 22 years and 9 months

MSE Total Cost **£6,280
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£248

Other Fees: £30

Cashback:Up to £250

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-10-20, 1% until 31-10-21

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £187,231 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**Nottingham : **
Fixed till 01-09-21
Rate
**
1.60%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 5.74%
Set-up Fees:
**£999**

Monthly Payment
**£485 For 25 months
**
Then £731 for 22 years and 11 months

MSE Total Cost **£6,300
**

for year 1
**
This product is available directly from Nottingham or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£199

Product Fee:£800

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£140, plus (6 months Interest until 01-09-21). Interest at 1.6%

OTHER PRODUCT INFO

Exit fee:£140

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£750,000

The total amount payable is £214,160 and the overall cost for comparison is

**5.1%** APRC.

What does this mean?

**Skipton Building Society: **
2 yr Tracker
Rate
**
1.61%
**

**For 24 months, then SVR for 23 years**
currently 4.99%
Set-up Fees:
**£1,001**

Monthly Payment
**£486 For 24 months
**
Then £676 for 23 years

MSE Total Cost **£6,330
**

for year 1
**
This product is available directly from Skipton Building Society or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£0

Other Fees: £6

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£75

Maximum LTV80%

Minimum Loan£0

Maximum Loan£750,000

The total amount payable is £197,254 and the overall cost for comparison is

**4.3%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-10-21
Rate
**
1.63%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.24%
Set-up Fees:
**£1,034**

Monthly Payment
**£487 For 27 months
**
Then £634 for 22 years and 9 months

MSE Total Cost **£6,300
**

for year 1
**
This product is available directly from Barclays or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (2% until 31-10-21) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV85%

Minimum Loan£5,000

Maximum Loan£375,000

The total amount payable is £187,420 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

##### And remember, as the old phrase goes... Your home may be repossessed if you do not keep up repayments on your mortgage.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Calculations are rounded to the nearest £10

Mortgage data is provided by MortgageBrain, which primarily provide data and technology solutions to mortgage brokers.