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Access the whole mortgage market.

Exclusive mortgage schemes that are only available through mortgage brokers.

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Mortgage Best Buys

Please find below a selection of mortgage 'best buys'. This selection of mortgages has been chosen as good all round deals. The best mortgage for you will depend upon your circumstances.

For further details, please click on the lender.

Fix/Capped

Lender	Max %	Description	Pay rate (APR)	Early Repayment charge	Overall Cost
Abbey	90	Fix at 5.94% for 2 years	5.94(7.4)	3% during fix	217,680
Nationwide	95	Fix at 6.65% for 2 years	6.65(7.0)	1.5% during fix	208,405
Bristol and West - guarantor	95	Fix at 6.99% for 3 years	6.99(7.7)	3% during fix	221,275
Abbey	100	Fix for 2 years	7.49(7.8)	3% during fix	221,753

Discount/Tracker

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Lender	Max %	Description	Pay rate (APR)	Early Repayment charge	Overall Cost
Coventry	90	Tracker at base + 1.25% until 30/06/2011	6.5(7.2)	4% during discount	211,645
Abbey	90	Tracker at base + 1.19% for 2 years	6.44(7.5)	2% during discount	218,680
Abbey	90	base + 1.44% tracker with offset	6.69(7.1)	none	208,838
The One Account	95	Current Account mortgage	6.95(7.2)	none	211,457

Flexible

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Lender	Max %	Description	Pay rate (APR)	Early Repayment charge	Overall Cost
Leeds & Holbeck	80	Fix for 3 years with offset	5.74(6.5)	4/3/2%	198,645
Coventry	90	Fix for 3 years with offset	6.09(7.2)	4% during fix	211,948
Abbey	90	base + 1.44% tracker with offset	6.69(7.1)	none	208,838
The One Account	95	Current Account mortgage	6.95(7.2)	none	211,457

SelfCertification

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Lender	Max %	Description	Pay rate (APR)	Early Repayment charge	Overall Cost
UCB Homeloans	75	3 year fix at 6.29%	6.29(7.5)	5% during discount	219,533
Bank of Ireland	85	3 year fix at 6.45%	6.45(7.5)	4/3/3% during fix	218,183
Chelsea	85	Tracker discount for 5 years	6.74(7.6)	none	218,539
Bristol & West	90	3 year fix at 7.49%	7.49(8.0)	6% during fix	224,481

Buy to let

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Lender	Max %	Description	Pay rate (APR)	Early Repayment charge	Overall Cost
UCB	85	Fix at 6.09% for 2 years	6.09(7.6)	5%/2yrs	220,575
UCB	85	Fix at 6.18% for 3 years	6.18(7.5)	5%/3yrs	219,132
Nat West	85	Fix at 5.5% for 5 years	5.5(7.5)	5/4/3/2/1%	223,154
Cheltenham & Gloucester	85	Term tracker	6.48(6.8)	none	204,719

more buy to let best buys

Notes

Ex denotes that the scheme is not available direct from the lender

Schemes will be introduced and withdrawn by mortgage lenders at short notice. Please phone us to establish the availability of a particular scheme

The table entry 'overall cost' provides an illustration of the true costs for a repayment mortgage loan of £100,000, assuming maximum loan to value and a term of 25 years.

The 'best' mortgage will depend on your circumstances. Complete the fact find if you wish to take advice.

Adverse Credit

Mortgage or loan arrears, CCJ's and defaults may restrict your choice of lender. There are some things you can do which will help. more>>

Self Certification

Self certification mortgages were introduced for those whose actual income exceeded their provable income. more>>

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