Saturday 04 February 2012 | RSS Feed

UK Mortgage rates best buy tables

This will give you a good starting point in finding competitive mortgage rates.

Base Rate Trackers


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
First Direct Repayment BRT 1.99% 2 years 3.69% NA No Redemption 3.6
Santander Direct Trackers 2.09% 2 years 4.24% NA No Overhang 4.0
Chelsea BS 70% LTV 2.39% To Mar 2014 5.79% 70% No Overhang 5.4
Market Harborough BS 2.48% 2 years 5.49% 75% No Redemption 5.0
HSBC Special Fee Free 2.49% Term 3.94% NA No Redemption 2.2

Buy to Let


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
Principality BS BTL Free Val 2.74% To Mar 2014 4.99% 60% No Overhang 5.3
Hinckley & Rugby BS BTL 3.54% 2 years 5.64% 60% No Redemption 5.6
Skipton BS Buy to Let Purchase 3.59% 2 years 0% 60% No Overhang 5.0
Mansfield BS BTL 3.8% 3 years 5.59% 70% No Overhang 5.3
Leeds BS Buy to Let 3.99% 2 years 5.99% 70% No Overhang 6.1

Discount


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
HSBC Special 60% LTV 1.99% 2 years 3.94% NA No Overhang 3.7
Leeds BS (Direct) 2yr Discount 2.45% 2 years 5.69% 75% No Overhang 5.4
Monmouthshire BS Direct Purchase 2.49% 2 years 4.99% 70% No Overhang 4.7
Melton Mowbray BS 2.59% 3 Years 4.99% NA No Overhang 4.4
Market Harborough BS 2.65% 3 years 5.49% 75% No Overhang 4.8

Fees Free


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
HSBC Special Fee Free 2.49% Term 3.94% NA No Redemption 2.6
First Direct Repayment BRT Fee Free 2.69% 2 years 3.69% NA No Redemption 3.6
Principality BS Direct Free Val 2.74% To Mar 2014 4.99% 75% No Overhang 4.8
HSBC Fee Free Tracker 2.89% Term 3.94% NA No Redemption 2.8
First Direct Repayment BRT Fee Free 2.99% Term 3.69% NA No Redemption 3.3

First Time Buyer


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
First Direct Repayment 4.19% 2 years 3.69% 90% No Overhang 4.0
Hinckley & Rugby BS Purchase with free val 4.19% 2 years 5.64% 90% No Redemption 5.6
Furness BS Discount 4.49% 3 years 5.44% 90% No Overhang 5.4
Chelsea BS Branch Only 4.49% To Mar 2014 5.79% 90% No Overhang 5.8
HSBC Fee Free 5.29% To May 2017 3.94% 90% No Overhang 4.4

Fixed


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
HSBC Special 60% LTV 2.24% To May 2014 3.94% NA No Overhang 3.9
Santander Direct Fixed 2.35% To Apr 2014 4.24% 60% No Overhang 4.1
Market Harborough BS 2.69% To Feb 2014 5.49% 75% No Overhang 5.1
First Direct Repayment 2.88% 3 years 3.69% NA No Overhang 3.7
Chelsea BS 70% LTV 3.19% To Mar 2017 5.79% 70% No Overhang 4.9

Flexible


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
First Direct Repayment BRT 1.99% 2 years 3.69% NA No Redemption 3.6
Market Harborough BS 2.48% 2 years 5.49% 75% No Redemption 5.0
Yorkshire BS 2.49% To Feb 2014 4.99% 75% No Overhang 4.7
HSBC Mortgage 2.59% Term 3.94% 70% No Redemption 2.5
NatWest Purchase 2.89% To Mar 2014 4% 75% No Overhang 4.0

Offset


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
First Direct Offset BRT 2.28% 2 Years 3.69% 65% No Redemption 3.7
Chelsea BS Offset 70% LTV 2.59% To Mar 2014 5.79% 70% No Overhang 5.4
Leeds BS (Direct) Tied Offset Discount 2.65% 2 Years 5.69% 75% No Overhang 5.5
Yorkshire BS Offset 2.69% To Feb 2014 4.99% 75% No Overhang 4.7
Yorkshire Bank Purchase 2.89% To Apr 2014 4.59% 65% No Overhang 4.5

REMORTGAGE


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
HSBC Special 60% LTV 1.99% 2 years 3.94% NA No Overhang 3.7
Santander Direct Trackers 2.09% 2 years 4.24% NA No Overhang 4.0
Chelsea BS 70% LTV 2.39% To Mar 2014 5.79% 70% No Overhang 5.4
Market Harborough BS 2.48% 2 years 5.49% 75% No Redemption 5.0
HSBC Special Fee Free 2.49% Term 3.94% NA No Redemption 2.2

Variable


Lender Name
Rate
Duration
Base Rate
Max LTV
Tie In
APR
Apply
HSBC Special 60% LTV 1.99% 2 years 3.94% NA No Overhang 3.7
First Direct Repayment BRT 1.99% 2 years 3.69% NA No Redemption 3.6
Santander Direct Trackers 2.09% 2 years 4.24% NA No Overhang 4.0
Chelsea BS 70% LTV 2.39% To Mar 2014 5.79% 70% No Overhang 5.4
Market Harborough BS 2.48% 2 years 5.49% 75% No Redemption 5.0