**HSBC: **
DIRECT Premier + Adv Fixed till 30-09-19
Rate
**
1.24%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.69%
Set-up Fees:
**£928**

Monthly Payment
**£465 For 27 months
**
Then £599 for 22 years and 9 months

MSE Total Cost **£5,990
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£149

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-09-18, 1% until 30-09-19

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £177,024 and the overall cost for comparison is

**3.3%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 30-09-19
Rate
**
1.24%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.69%
Set-up Fees:
**£1,178**

Monthly Payment
**£465 For 27 months
**
Then £599 for 22 years and 9 months

MSE Total Cost **£6,110
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£149

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-09-18, 1% until 30-09-19

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £177,274 and the overall cost for comparison is

**3.3%** 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?

**Co-operative Bank: **
DIRECT Current Acc Fixed till 31-08-19
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.49%
Set-up Fees:
**£1,910**
Cashback: Up to £250

Monthly Payment
**£468 For 26 months
**
Then £648 for 22 years and 10 months

MSE Total Cost **£6,380
**

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 31-08-18, 1% until 31-08-19)

OTHER PRODUCT INFO

Exit fee:£89

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £191,479 and the overall cost for comparison is

**4.1%** APRC.

What does this mean?

**Co-operative Bank: **
DIRECT Fixed till 31-08-19
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.49%
Set-up Fees:
**£1,910**

Monthly Payment
**£468 For 26 months
**
Then £648 for 22 years and 10 months

MSE Total Cost **£6,500
**

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:£0

FLEXIBILITY

Overpayments allowed?

No

Early repayment charge:

£89, plus (2% until 31-08-18, 1% until 31-08-19)

OTHER PRODUCT INFO

Exit fee:£89

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £191,729 and the overall cost for comparison is

**4.1%** APRC.

What does this mean?

**Accord Mortgages: **
Fixed till 30-09-19 Prime
Rate
**
1.29%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 5.34%
Set-up Fees:
**£1,995**

Monthly Payment
**£468 For 27 months
**
Then £701 for 22 years and 9 months

MSE Total Cost **£6,500
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£1,995

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 30-09-18, 1% until 30-09-19)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV80%

Minimum Loan£75,000

Maximum Loan£1,000,000

The total amount payable is £205,984 and the overall cost for comparison is

**4.8%** APRC.

What does this mean?

**Monmouthshire: **
2 yr Fixed
Rate
**
1.31%
**

**For 24 months, then SVR for 23 years**
currently 4.74%
Set-up Fees:
**£1,362**

Monthly Payment
**£469 For 24 months
**
Then £665 for 23 years

MSE Total Cost **£6,310
**

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

Application Fee:£150

Product Fee:£995

Valuation fee:£192

Other Fees: £25

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£125, plus (3% in years 1-2)

OTHER PRODUCT INFO

Exit fee:£125

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £196,318 and the overall cost for comparison is

**4.3%** APRC.

What does this mean?

**Barclays: **
Premier Fixed till 31-10-19
Rate
**
1.33%
**

**For 28 months, then SVR for 22 years and 8 months **
currently 3.74%
Set-up Fees:
**£1,034**

Monthly Payment
**£470 For 28 months
**
Then £602 for 22 years and 8 months

MSE Total Cost **£6,090
**

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 (3% until 31-10-19) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV80%

Minimum Loan£5,000

Maximum Loan£500,000

The total amount payable is £178,029 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Tesco Bank: **
DIRECT Fixed till 30-09-19
Rate
**
1.33%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.89%
Set-up Fees:
**£1,020**

Monthly Payment
**£470 For 27 months
**
Then £611 for 22 years and 9 months

MSE Total Cost **£6,100
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£0

Other Fees: £25

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (3% until 30-09-18, 2% until 30-09-19)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV80%

Minimum Loan£40,000

Maximum Loan£750,000

The total amount payable is £180,715 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-10-19
Rate
**
1.33%
**

**For 28 months, then SVR for 22 years and 8 months **
currently 3.74%
Set-up Fees:
**£1,534**

Monthly Payment
**£470 For 28 months
**
Then £602 for 22 years and 8 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:£1,499

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-10-19) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV80%

Minimum Loan£5,000

Maximum Loan£2,000,000

The total amount payable is £178,529 and the overall cost for comparison is

**3.4%** 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.