**HSBC: **
DIRECT Premier + Adv 2 yr Tracker
Rate
**
1.14%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£779**

Monthly Payment
**£460 For 24 months
**
Then £600 for 23 years

MSE Total Cost **£5,910
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £177,407 and the overall cost for comparison is

**3.3%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard 2 yr Tracker
Rate
**
1.14%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£1,029**

Monthly Payment
**£460 For 24 months
**
Then £600 for 23 years

MSE Total Cost **£6,030
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £177,657 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Post Office Mtgs: **
80% 2yr FIX 1.23% £995 Val + CB
Rate
**
1.23%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.24%
Set-up Fees:
**£1,025**
Cashback: Up to £400

Monthly Payment
**£465 For 25 months
**
Then £634 for 22 years and 11 months

MSE Total Cost **£5,880
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£0

Other Fees: £30

Cashback:Up to £400

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£195, plus (3% until 30-11-18, 2% until 30-11-19)

OTHER PRODUCT INFO

Exit fee:£195

Maximum LTV80%

Minimum Loan£50,000

Maximum Loan£500,000

The total amount payable is £186,692 and the overall cost for comparison is

**3.8%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv 2 yr Tracker
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£779**

Monthly Payment
**£465 For 24 months
**
Then £601 for 23 years

MSE Total Cost **£5,970
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £177,687 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard 2 yr Tracker
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£1,029**

Monthly Payment
**£465 For 24 months
**
Then £601 for 23 years

MSE Total Cost **£6,100
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £177,937 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Furness Building Society: **
2 yr Discount Variable
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 5.29%
Set-up Fees:
**£1,264**

Monthly Payment
**£465 For 24 months
**
Then £700 for 23 years

MSE Total Cost **£6,220
**

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:

£90, plus (2% in year 1, 1% in year 2)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£1,000,000

The total amount payable is £205,859 and the overall cost for comparison is

**4.8%** APRC.

What does this mean?

**Vernon Building Society: **
2 yr Discount Variable
Rate
**
1.25%
**

**For 24 months, then SVR for 23 years**
currently 4.70%
Set-up Fees:
**£1,219**

Monthly Payment
**£466 For 24 months
**
Then £662 for 23 years

MSE Total Cost **£6,200
**

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

Application Fee:£0

Product Fee:£999

Valuation fee:£205

Other Fees: £15

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£130, plus (3% in years 1-2)

OTHER PRODUCT INFO

Exit fee:£130

Maximum LTV80%

Minimum Loan£25,100

Maximum Loan£750,000

The total amount payable is £195,106 and the overall cost for comparison is

**4.3%** APRC.

What does this mean?

**Saffron Building Society: **
SVR 2 yr Discount Variable
Rate
**
1.25%
**

**For 24 months, then SVR for 23 years**
currently 5.39%
Set-up Fees:
**£1,289**
Other fees may apply

Monthly Payment
**£466 For 24 months
**
Then £706 for 23 years

MSE Total Cost **£6,230
**

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

Application Fee:£0

Product Fee:£999

Valuation fee:£260

Other Fees: £30+

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£50, plus (1% in years 1-2)

OTHER PRODUCT INFO

Exit fee:£50

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£1,000,000

The total amount payable is £207,583 and the overall cost for comparison is

**4.8%** APRC.

What does this mean?

**Post Office Mtgs: **
85% 2yr FIX 1.27% £995 Val
Rate
**
1.27%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.24%
Set-up Fees:
**£1,025**

Monthly Payment
**£467 For 25 months
**
Then £634 for 22 years and 11 months

MSE Total Cost **£6,100
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£195, plus (3% until 30-11-18, 2% until 30-11-19)

OTHER PRODUCT INFO

Exit fee:£195

Maximum LTV85%

Minimum Loan£25,001

Maximum Loan£500,000

The total amount payable is £187,214 and the overall cost for comparison is

**3.8%** APRC.

What does this mean?

**Co-operative Bank: **
DIRECT Current Acc Fixed till 30-11-19
Rate
**
1.29%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.49%
Set-up Fees:
**£1,910**
Cashback: Up to £250

Monthly Payment
**£468 For 25 months
**
Then £649 for 22 years and 11 months

MSE Total Cost **£6,410
**

for year 1
**
This product is only available from Co-operative Bank How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£150

Product Fee:£1,499

Valuation fee:£231

Other Fees: £30

Cashback:Up to £250

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

No

Early repayment charge:

£89, plus (2% until 30-11-18, 1% until 30-11-19)

OTHER PRODUCT INFO

Exit fee:£89

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £191,844 and the overall cost for comparison is

**4.1%** 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.