Tools: Best buys: Fixed rate mortgages
2 year purchase
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| HSBC | 2yr 2.24% Fixed LTV 60% Special Direct | 2.24 | 2/1% | 1999 | 60 |  |
| Santander UK plc | 2yr 2.35% Fixed LTV 60% Direct | 2.35 | 3% | 1995 | 60 | |
| Market Harborough Building Society | 2yr 2.69% Fixed LTV 75% Direct Only | 2.69 | 3% | 1595 | 75 | |
| Progressive Building Society | 2yr 2.69% Fixed FTB LTV 50% | 2.69 | 3% | 495 | 50 | |
| Britannia | 2yr 2.79% Fxd LTV 60% Direct | 2.79 | 2/1% | 1499 | 60 | |
| Chelsea Building Society | 2yr 2.79% Fixed LTV 70% Direct | 2.79 | 3% | 1895 | 70 | |
| Cumberland | 2yr 2.79% Fixed H/P LTV 75% | 2.79 | 3% | 699 | 75 | |
| Mansfield | 2yr 2.79% Fixed LTV 75% | 2.79 | 2% | 1499 | 75 | |
| Principality Building Society | 2yr 2.79% Fixed LTV 75% Direct | 2.79 | 3% | 999 | 75 | |
| The Co-operative Bank | Flexible 2yr 2.79% Fixed LTV 60% Direct | 2.79 | 2/1% | 1499 | 60 | |
Table list products with a fixed term less than or equal to 2 years suitable for buying properties (not remortgages), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
2 year remortgage
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| HSBC | 2yr 2.24% Fixed LTV 60% Special Direct | 2.24 | 2/1% | 1999 | 60 | |
| Santander UK plc | 2yr 2.35% Fixed LTV 60% Direct | 2.35 | 3% | 1995 | 60 | |
| Market Harborough Building Society | 2yr 2.69% Fixed LTV 75% Direct Only | 2.69 | 3% | 1595 | 75 | |
| Britannia | 2yr 2.79% Fxd LTV 60% Direct | 2.79 | 2/1% | 1499 | 60 | |
| Chelsea Building Society | 2yr 2.79% Fixed LTV 70% Direct | 2.79 | 3% | 1895 | 70 | |
| Cumberland | 2yr 2.79% Fixed R/M LTV 75% Local Area | 2.79 | 3% | 699 | 75 | |
| Mansfield | 2yr 2.79% Fixed LTV 75% | 2.79 | 2% | 1499 | 75 | |
| Principality Building Society | 2yr 2.79% Fixed LTV 75% Direct | 2.79 | 3% | 999 | 75 | |
| The Co-operative Bank | Flexible 2yr 2.79% Fixed LTV 60% Direct | 2.79 | 2/1% | 1499 | 60 | |
| Yorkshire Building Society | Flexi 2yr 2.84% Fixed LTV 75% Direct | 2.84 | 3% | 995 | 75 | |
Table list products with a fixed term less than or equal to 2 years for remortgages (not for buying properties), and with no tie-in period after rate change.
Sorted by increasing initial rate payable.
5 year purchase
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| Chelsea Building Society | 5yr 3.19% Fixed LTV 70% Direct | 3.19 | 5/5/5/4/3% | 1495 | 70 | |
| First Direct | 5yr 3.24% Fixed LTV 65% Ltd Edition Direct | 3.24 | 3/2/2/2/2% | 1999 | 65 | |
| Britannia | 5yr 3.39% Fxd LTV 75% Option 1 Direct | 3.39 | 5/4/3/2/1% | 999 | 75 | |
| The Co-operative Bank | Flexible 5yr 3.39% Fixed LTV 75% Direct | 3.39 | 5/4/3/2/1% | 999 | 75 | |
| Yorkshire Building Society | Flexi 5yr 3.39% Fixed LTV 75% Direct | 3.39 | 5/5/5/4/3% | 995 | 75 | |
| Norwich & Peterborough B.Soc. | 5yr 3.44% Fxd LTV 75% Direct | 3.44 | 5/5/5/4/3% | 795 | 75 | |
| Barnsley | 5yr 3.49% Fixed LTV 75% Direct | 3.49 | 5/5/5/4/3% | 375 | 75 | |
| HSBC | 5yr 3.49% Fixed LTV 70% Direct | 3.49 | 5/4/3/2/1% | 599 | 70 | |
| Cumberland | 5yr 3.53% Fixed FTB LTV 75% | 3.53 | 5/5/4/3/2% | 299 | 75 | |
| Coventry Building Society | 5yr 3.58% Fixed LTV 65% | 3.58 | 4% | 999 | 65 | |
Table list products with a fixed term less than or equal to 5 years suitable for buying properties (not remortgages), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
5 year remortgage
| Provider | Product | Rate on which initial payments are based | Calculation applied to Early Redemption Charge | Fees payable on application or completion (based on £150k if %) | Maximum LTV Maximum LTV for remortgage, house purchase or first time buyer | Apply |
|---|---|---|---|---|---|---|
| Chelsea Building Society | 5yr 3.19% Fixed LTV 70% Direct | 3.19 | 5/5/5/4/3% | 1495 | 70 | |
| First Direct | 5yr 3.24% Fixed LTV 65% Ltd Edition Direct | 3.24 | 3/2/2/2/2% | 1999 | 65 | |
| Britannia | 5yr 3.39% Fxd LTV 75% Option 1 Direct | 3.39 | 5/4/3/2/1% | 999 | 75 | |
| The Co-operative Bank | Flexible 5yr 3.39% Fixed LTV 75% Direct | 3.39 | 5/4/3/2/1% | 999 | 75 | |
| Yorkshire Building Society | Flexi 5yr 3.39% Fixed LTV 75% Direct | 3.39 | 5/5/5/4/3% | 995 | 75 | |
| Norwich & Peterborough B.Soc. | 5yr 3.44% Fxd LTV 75% Direct | 3.44 | 5/5/5/4/3% | 795 | 75 | |
| Barnsley | 5yr 3.49% Fixed LTV 75% Direct | 3.49 | 5/5/5/4/3% | 375 | 75 | |
| HSBC | 5yr 3.49% Fixed LTV 70% Direct | 3.49 | 5/4/3/2/1% | 599 | 70 | |
| Cumberland | 5yr 3.53% Fixed R/M LTV 75% | 3.53 | 5/5/4/3/2% | 699 | 75 | |
| Coventry Building Society | 5yr 3.58% Fixed LTV 65% | 3.58 | 4% | 999 | 65 | |
Table list products with a fixed term less than or equal to 5 years for remortgages (not for buying properties), and with no tie-in period after rate change. Sorted by increasing initial rate payable.
