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UK Mortgage rates best buy tables
This will give you a good starting point in finding competitive mortgage rates.
Fixed (no tie-in beyond benefit period)
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| First Direct Offset | 5.19% | 2 years | 6% | 80% | No Overhang | 6.6 |  |
| Alliance & Leicester | 5.99% | To Oct 2010 | 7.19% | 75% | No Overhang | 7.5 | |
| Derbyshire BS (Direct) | 6.79% | To Jan 2019 | 7.09% | 90% | No Overhang | 6.3 | |
Flexible
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| First Direct Offset | 5.19% | 2 years | 6% | 80% | No Overhang | 6.2 | |
| Principality BS Direct | 5.49% | To Sep 2010 | 7.09% | 60% | No Overhang | 7.2 | |
| Nationwide BS | 5.68% | 2 years | 6.49% | 75% | No Overhang | 6.5 | |
| HSBC Bank Purchase Direct | 5.69% | 2 years | 6.25% | 90% | No Overhang | 6.4 | |
Discount (no tie-in beyond benefit period)
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| HSBC Bank Purchase Direct | 5.69% | 2 years | 6.25% | 90% | No Overhang | 6.4 | |
| Market Harborough B Soc. (Direct) | 5.95% | Term | 7.15% | 75% | No Overhang | 6.3 | |
| The Co-operative Bank (Direct) | 5.99% | 3 years | 6.99% | 75% | No Overhang | 6.9 | |
First Time Buyers
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| Direct Line | 6.49% | To Oct 2010 | 6.5% | 95% | No Overhang | 6.7 | |
| Nationwide BS Direct | 6.54% | 3 years | 6.49% | 95% | No Overhang | 6.6 | |
| NatWest (Direct) | 6.99% | To Jan 2014 | 7.19% | 95% | No Overhang | 7.5 | |
| Bristol & West Mortgages First Start | 6.99% | To Oct 2013 | 7.09% | 95% | No Overhang | 7.5 | |
Buy To Let Mortgages
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| Cheltenham & Gloucester BTL | 5.49% | To Oct 2010 | 7% | 60% | No Overhang | 7.4 | |
| Principality BS Buy to Let | 5.69% | To Sep 2010 | 7.09% | 60% | No Redemption | 7.5 | |
Light Adverse Payment History
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| Skipton BS | 6.04% | To Nov 2018 | 6.45% | 75% | No Overhang | 6.7 | |
Offset (new)
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| Newcastle BS Direct | 5.65% | To Oct 2010 | 7.22% | 75% | No Overhang | 7.3 | |
| Scottish Widows Bank Flexible Offset | 5.99% | 2 years | 6.49% | 75% | No Overhang | 6.5 | |
| Market Harborough B Soc. (Direct) | 6.1% | Term | 7.15% | 75% | No Redemption | 6.0 | |
| Yorkshire BS (Direct) | 6.29% | To Nov 2013 | 6.9% | 75% | No Overhang | 7.5 | |
Variable
|
Lender Name
|
Rate
|
Duration
|
Base Rate
|
Max LTV
|
Tie In
|
APR
|
Apply
|
| C&G (Direct) All Weather | 4.99% | To Oct 2010 | 7% | 75% | No Overhang | 7.2 | |
| Principality BS Direct | 5.49% | To Sep 2010 | 7.09% | 60% | No Overhang | 7.2 | |
| Nationwide BS | 5.68% | 2 years | 6.49% | 75% | No Overhang | 6.5 | |
| HSBC Bank Purchase Direct | 5.69% | 2 years | 6.25% | 90% | No Overhang | 6.4 | |