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1.40%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare fixed rate mortgages vs trackers - use our mortgage tables below to see a selection of market leading mortgage deals - alternatively if you need advice - call our independent mortgage team on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.40%

Reverts to 3.99%

2

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.
Fixed

1.52%

Reverts to 3.99%

2

Years

75%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.
Fixed

1.56%

Reverts to 3.99%

2

Years

80%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.
Fixed

1.69%

Reverts to 4.79%

3

Years

65%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

1.79%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.06%

Reverts to 4.79%

5

Years

65%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.
Fixed

2.30%

Reverts to 4.79%

5

Years

85%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.56%

Reverts to 3.99%

2

Years

90%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

2.59%

Reverts to 3.94%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.
Fixed

2.94%

Reverts to 3.94%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

4.10%

Reverts to 3.99%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Fixed rate mortgage vs tracker

The benefits of a fixed rate vs. tracker mortgages are often debated by customers, but it really depends on your own circumstances, including:

 

  • Whether you could afford it if your payments went up, as they could with a tracker mortgage
  • If you'd rather opt for the security of a fixed rate

 

A tracker mortgage is so called because it tracks the Bank of England’s base interest rate. Although the starting rate is generally set by the provider, interest rates will henceforth go up or down depending on the base rate. These mortgages benefit from any rate cuts that are introduced by the Bank of England. However, it should be remembered that they may also be subject to increases depending on the current financial situation.

 

Fixed Rate mortgages offer customers a guaranteed fixed rate of interest for the duration of an agreement. This means that customers will not be subjected to any unexpected interest increases, and monthly mortgage payments are much easier to budget for.Now that you’ve had some more information on fixed rate vs. tracker mortgages, it is recommended to compare the different mortgage deals that are available.   See our comparisons tables for a wide range of mortgage deals. 

 

Require mortgage advice? You can call our mortgage team on: 0117 332 6063

Monday to Friday 8.30am to 7pm

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Call 0117 332 6063

to speak to the Fair Mortgages team.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker