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Mortgage Best Buys

We aim to bring you the most powerful mortgage best buy table possible, including all deals available to brokers and most direct only

Unlike many other best buy tables we don't just include broker only mortgages, we also show you the majority of direct deals. The only mortgages that might be available that we can't show are ones that are exclusive to specific brokers or comparison sites.

deals too. And we don't promote 'featured commercial partners'.

Step-by-step help

Read our full
Free Printed guide to first-time mortgages

Step-by-step help

Read our full
Free Printed guide to Remortgaging

Details for your £120,000 mortgage on a property valued at £150,000 with an LTV of 80%

HSBC via broker

HSBC via broker 28mth Fixed:

Currently 1.44% with set-up fees of £1,016 and available on properties with a Max LTV of 80%.

The total amount payable is £185,572 and the overall cost for comparison is 3.8% APRC. What does this mean?

APR - What does this mean?

This is the official cost for comparison which is based on the average cost per year if you kept the mortgage for the entire 25 years and interest rate charged never changed. Most people will never actually pay this rate. For further reading see Martin's why mortgage APR's are meaningless blog.

Product specifics:


Application Fee:£999

Product Fee:£0

Valuation fee:£0

Other Fees: £17+



Overpayments allowed?Yes

Early repayment charge:2% until 30-06-21, 1% until 30-06-22 with a fee free allowance of 10%

Other Product Info:

Maximum LTV80%

Monthly Payment:£476

Subsequent Rate:4.19%

New mortgage details:


Mortgage amount:£120,000

Deposit: £30,000

Expected property value:£150,000

Mortgage term (years):25 years

Initial Rate: 1.44%

Initial Rate period: Standard Fixed till 30-06-22

Repayment method:Capital repayment


Want this mortgage? What to do next.

You have a choice. You can either get independent advice from a broker or, if you're confident enough, go direct to a lender.

Go via a broker?

A broker can check this is the best deal for you and do all the paperwork. There are two types:

Whole of market

Checks all deals available to brokers (not those available exclusively via lenders). Including:

London & Country*
Fees free, online* or telephone-based service 0800 073 1957 GO*

Want to find a local face-to-face broker?

If you're unsure, or word-of-mouth hasn't yielded success, try:

Go direct?

If you want to go directly to the lender without help (only for the most experienced MoneySavers) use the links below.

Apply to HSBC via broker

Visit HSBC via broker* to start an application. GO*

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.

Application Fee

Upfront fee paid on application to book the rate for you. Often not refundable if mortgage doesn't go ahead.

Product Fee

Fee to lender for setting up mortgage. If you pay upfront and mortgage doesn't go ahead you might lose it. Usually able to add it to loan to avoid this but overpay (if your lender allows) once the mortgage is set up to avoid paying interest on it.


This is a payment in addition to normal monthly payments. This is usually restricted by lender and carries heavy penalties if you breach the limit.

Early repayment charge

The penalty the lender can charge you if you exceed the overpayment limit or if you pay the mortgage off too early. Usually a percentage of the overpayment, it can be a flat rate or tiered with a bigger penalty the earlier in the mortgage term you incur it.

Cashback on completion

A lump sum from the lender when the mortgage has started. It is usually sent to your solicitor who will send to you. Beware, if you repay the mortgage when an early repayment charge still applies, you may need to repay the cashback as well.

Free Valuation

The lender requires a valuation of the property to be conducted by a provider on its panel.

Free legals

You need to do legal work to buy a home, some lenders provide this for free.

Maximum LTV

LTV = Loan-to-Value ratio which is the loan described as a % of the property price/value (whichever is lowest). Each product will have a maximum % of the property price/value you can borrow. Beware that your affordability assessment may prevent you from being able to borrow this maximum LTV.