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Mortgages

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    We help you find competitive mortgage rates for your circumstances.
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Latest Rate Update
Tracker - Introductory Rate: 1.99%

SVR rate: 1.99%; Overall cost for comparison: 3.5% APR 1

Offset Tracker - Introductory Rate: 2.39%

SVR rate: 2.89%; Overall cost for comparison: 3.1% APR 2

Commercial - Introductory Rate: 2.50%

SVR rate: 2.50%; Overall cost for comparison: 2.5% APR 3

Fixed rate - Introductory Rate: 2.95%

SVR rate: 4.00%; Overall cost for comparison: 3.9% APR 4

Flexible - Introductory Rate: 3.44%

SVR rate: 3.44%; Overall cost for comparison: 3.6% APR 5

Buy-to-let - Introductory Rate: 3.99%

SVR rate: 4.99%; Overall cost for comparison: 5.3% APR 6

Adverse - Introductory Rate: 4.79%

SVR rate: 4.01%; Overall cost for comparison: 6.1% APR 7

About the mortgage

  1. With all mortgages, the amount you can borrow is dependent on your current income and expenditure. Most lenders will be looking to lend up to around four times your income, less your outgoings (typically living expenses as well as loan and credit card repayments.)
  2. This is the current market valuation of the property or the agreed purchase price for that property between you and the vendor. If you are looking for a remortgage it would be worth checking to see if the value has increased/decreased since your last valuation.
  3. Choosing the right type of mortgage

    There are a range of mortgage types available in the market, make sure you are applying for the right type for your individual needs.

    A Buy/Purchase mortgage is when you are looking to buy a new residential property you do not currently have a mortgage on for owner occupation.

    A Buy to Let mortgage is when you plan on buying a property as an investment and do not plan on living in the property but instead plan on renting it out to tenants.

    A Remortgage occurs if you are looking to switch your current mortgage from one lender to another without moving properties. Your current mortgage will be paid off by your new mortgage lender. Depending on your equity this could also allow you to raise additional funds.

    A Council Right to Buy mortgage is available to council tenants looking to purchase their council property at a discounted price. As a tenant you must fulfil a set criteria with regards to the type of property and how long you have been a resident there.

    An Equity Release mortgage allows a person (usually retired and over 60 years old) to release money from a property which will be repaid by the sale of the property at the time of the person’s death.

    A Commercial Mortgage is required when borrowing money to purchase a property intended for business use.

About you

  8. An IVA is an Individual Voluntary Arrangement, this is an arrangement that allows someone who is unable to pay their debts to continue in business so they can pay off the debts without being made bankrupt. A CCJ is a County Court Judgement, this could be issued against you if you owe someone money and have been unable to pay.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Your property may be repossessed if you do not keep up repayments on your mortgage.

An Equity Release Plan will reduce the value of your Estate, will not be suitable for everyone and may affect your entitlement to state benefit. To understand the features and risks ask for a personalised illustration.

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Terms & Conditions.

1. Available with First Direct. 2 year Tracker at 1.99% tracking 1.49% above the base rate until 28/02/2013. Then reverts to the standard variable rate, currently 1.99% (variable) for the remainder of the term. The overall cost for comparison is 3.5% APR.Application Fees £999, Borrow up to 65% of House Value. Rates correct as of 24/01/2011.

2. Available with Woolwich Mortgages BBBR + 1.89%, currently 2.39%, variable for the term of the mortgage .The overall cost for comparison is 3.10% APR. Borrow up to 70% of the value of your home. Minimum loan value of £200,000. Application Fee £1,499. You can offset your current accounts, savings and ISA's against your mortgage balance. See Woolwich site for details. Rates correct as of 24/01/2011.

3. This rate is 2% above the Bank of England base rate (currently 0.50%). The rate is available with Abbey, Skipton Building Society and Barclays among others and is subject to the amount borrowed and the basis of application. Lenders arrangement fee typically 1% of the gross advance subject to the amount borrowed and will be agreed on a case by case scenario. Early repayment charges are subject to lender. Rates correct as of 16/07/2010.

4. Available with Natwest 2.95% fixed for 2 years. Then reverts to the standard variable rate, currently 4.00% (variable). The overall cost for comparison is 3.9% APR.Borrow Up to 60% of your House value. No Product Fee. Rates correct as of 24/01/2011.

5. Available with Santander Mortgages.Initial rate currently 3.44%,subsequent rate 3.44% .The overall cost for comparison is 3.60% APR. Borrow up to 75% of the value of your home. Maximum loan value of £1,000,000. Application Fee £995. You can offset your current accounts, savings and ISA's against your mortgage balance. With a Santander fully flexible mortgage you can vary the payments to suit your circumstances. Rates correct as of 24/01/2011.

6. Available with The Mortgage Works 3.99% 2 years fixed rate mortgage until 28/02/2013. Then reverts to the standard variable rate, currently 4.99% The overall cost for comparison is 5.30%APR. The fee is 3.5% of the loan with a minimum amount of £595. An early repayment charge applies until 28/02/2013. Rates correct as of 24/01/2011.

7. Available with GE Mortgages. 1 year discount at 4.79%. Subsequent rate 4.01%. The overall cost for comparison is 6.10% APR. Borrow up to 60% of the value of your home. Maximum loan value of £500000, minimum loan value of £25000 Arrangement fee of £1495. Rates correct as of 15/02/2011.

Please note that the list of products searched by BeatThatQuote.com may not be exhaustive and alternative products may be available on the market.

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