Low Interest Mortgages

Compare Low Interest Mortgage Deals

2 Year TRACKER »

Call NatWest FREE on 0800 158 2934

1.59%Reverts to 3.75% after 2 years
  • 2 Year Tracker - 60% LTV Deal
  • Call FREE - 0800 158 2934


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

To find the best low interest mortgage deals, click on the FREE mortgage tables below and compare 5,000 deals tailored to your personal requirements:

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.41%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.42%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.38%

Reverts to 4.54%

2

Years

60%

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

1.40%

Reverts to 4.54%

2

Years

60%

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

1.42%

Reverts to 4.54%

2

Years

75%

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

1.42%

Reverts to 4.54%

2

Years

75%

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

1.59%

Reverts to 3.75%

2

Years

60%

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

1.59%

Reverts to 4.70%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Tracker

1.82%

Reverts to 3.75%

2

Years

75%

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

1.87%

Reverts to 4.54%

5

Years

60%

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

2.12%

Reverts to 3.75%

5

Years

60%

YesMore 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

2.12%

Reverts to 3.75%

5

Years

60%

YesMore 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

2.09%

Reverts to 4.54%

5

Years

75%

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

2.49%

Reverts to 4.70%

2

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.88%

Reverts to 3.75%

2

Years

85%

NoMore 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

2.64%

Reverts to 3.69%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.
Fixed

2.94%

Reverts to 3.69%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

4.09%

Reverts to 3.75%

2

Years

95%

NoMore 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

1.58%

Reverts to 4.24%

3

Years

60%

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

1.73%

Reverts to 4.24%

3

Years

75%

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.

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.
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Compare MortgageRates


A mortgage is a loan which is secured against your home. When you take out a mortgage, you enter into an agreement to pay the loan back, with interest, over a period of time agreed with your lender.

 

How does mortgage interest work?


Generally speaking, the lower the loan-to-value (LTV) ratio of your mortgage, the lower your interest rate is likely to be. This is because you are borrowing a smaller amount of money overall.


There are various interest rate options available, including:

 

  • Fixed rate mortgage  - your interest payments are fixed for a set period of time (usually several years) after which you will be moved on to another rate
  • Standard variable rate mortgage  - your interest will vary with your lender's mortgage rate
  • Tracker mortgage - your interest rate will move up or down by tracking an external rate, such as the such as the Bank of England Base Rate

 

What is the Loan-To-Value ratio (LTV)?


The loan to value ratio of a mortgage indicates how much of your property you own outright (covered by your deposit, and commonly known as equity) and the amount you are borrowing (covered by your mortgage), expressed as a percentage. To compare top mortgage rates and find the best low interest mortgage deals for you, use the mortgage calculator to search over 5,000 mortgage deals based on your personal circumstances.

 

How to get a low interest mortgage


Mortgage lenders generally offer better rates for people who have a significant deposit or equity in their current home to put towards the purchase value of a new property. Generally speaking, a higher deposit means that you can get a lower LTV mortgage and a better deal on interest rates, because you are borrowing less money and therefore present a lower risk to the lender. However, there are certain criteria that you will need to fulfill in order for your application to be successful. If you apply for low interest mortgage, lenders will consider criteria such as:

 

  • Your deposit  – To get the best interest rates, you will normally need to have a substantial deposit or equity in your current property.
  • Your earnings  - Do you earn enough to borrow the amount you want?
  • The stability of your income  - Are you self-employed or new in a job?
  • Your outstanding debts - How much debt do you have?
  • Your credit rating - Have you ever missed a mortgage payment or other repayment in the past? Do you have any County Court Judgments (CCJs) against you? Have you even been bankrupt?

Top 5 Mortgage Deals

Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.14%

Reverts to 3.69%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term.
Fixed

1.41%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.44%

Reverts to 3.69%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

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.
Tracker

1.74%

Reverts to 4.54%

3

Years

60

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.00% APR. 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.

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