Compare Best Mortgage Deals 2014

Compare the best mortgage deals 2014 has to offer in our current mortgage interest rates 2014 comparison & find the UK's best mortgage lenders. We make it easy to find the best mortgage rates 2014 has available whether you're looking for a fixed, tracker, interest only or buy to let deal by comparing all UK mortgage rates 2014 side by side.
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HSBC 2 Year 2.45% Discount Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.49% variable
for 24 months
3.94%3.6% APR
 
TSB 2 Year BBR+1.04%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.54% tracker
until 31 May 2016
3.99%3.7% APR
 
TSB 2 Year 1.54% Fixed >£200K
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.54% fixed
until 31 May 2016
3.99%3.7% APR
 
HSBC 2 Year 1.59% Fixed Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.59% fixed
until 30 Jun 2016
3.94%3.7% APR
 
Post Office 2 Year 1.63% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.63% fixed
until 31 May 2016
4.49%4.2% APR
 
Chelsea Building Society 2 Year 1.64% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.64% fixed
until 31 Jul 2016
5.65%5.1% APR
 
Yorkshire BS Flexi 2 Year 1.66% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.66% fixed
until 31 Jul 2016
4.99%4.5% APR
 
Post Office 2 Year BBR+1.24%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.74% tracker
until 31 May 2016
4.49%4.1% APR
 
TSB 2 Year BBR+1.29% Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.79% tracker
until 31 May 2016
3.99%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
 
TSB 2 Year BBR+1.29% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.79% tracker
until 31 May 2016
3.99%3.7% APR
Available for remortgage only.
 
TSB 2 Year 1.79% Fixed Remortgage + Cashback >£200K
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.79% fixed
until 31 May 2016
3.99%3.7% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
 
TSB 2 Year 1.79% Fixed Remortgage >£200K
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.79% fixed
until 31 May 2016
3.99%3.8% APR
Available for remortgage only.
 
Chelsea Building Society 2 Year BBR+1.34%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.84% tracker
until 31 Jul 2016
5.65%5.1% APR
 
Chelsea Building Society Flexi 2 Year 1.84% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.84% fixed
until 31 Jul 2016
5.65%5.1% APR
 
Yorkshire BS 2 Year BBR+1.34%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.84% tracker
until 31 Jul 2016
4.99%4.6% APR
 
Yorkshire BS Flexi 2 Year 1.86% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.86% fixed
until 31 Jul 2016
4.99%4.6% APR
 
Post Office 2 Year 1.88% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.88% fixed
until 31 May 2016
4.49%4.2% APR
 
Chelsea Building Society 2 Year 1.89% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.89% fixed
until 31 Jul 2016
5.65%5.1% APR
 
TSB 2 Year 1.89% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.89% fixed
until 31 May 2016
3.99%3.7% APR
 
HSBC 2 Year 1.89% Fixed Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.89% fixed
until 30 Jun 2016
3.94%3.7% APR
 

Your home may be repossessed if you do not keep up repayments on your mortgage.

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How to Find the Best Mortgage Deals 2014

Picking a mortgage deal from the 1,000s available can be a daunting prospect. We help you find the best mortgage deals 2014 has to offer.

How to Find the Best Mortgage Deals 2014

Choosing your mortgage isn’t as simple as finding the best mortgage rates 2014 and saying “I’ll have that one.”

Instead, you need to make sure the mortgage itself suits your needs before you can even look at rates. It is, after all, likely to be the biggest financial commitment you’ll ever make!

This means looking at the various types of mortgage first of all:

What mortgages are available in 2014?

The three main types of mortgage are fixed rate, tracker mortgages or discount mortgages; however you may also want to consider offset or current account mortgages depending on your finances.

Each of these mortgages employs a different method for setting your interest rate at any given time, and determining the total amount you have to repay. That means you need to look at each mortgage’s effect in both the long term and short term; is it affordable now, and is it worth it in the end?

In addition to those standard mortgage types, the Government’s Help to Buy Scheme is already in place for first time buyers and/or those with smaller deposits, mortgages for people with bad credit are also on offer or you could opt for an interest-only mortgage deal (whereby you need to save enough of a nest egg to pay off the full balance at the end of its term).

How to compare mortgage rates

Once you’ve identified which type(s) of mortgage will likely fit your needs, you can start to think about rates. In order to get the best interest rates for mortgages 2014, you’ll need to compare your finances to the products listed in those categories.

Importantly, you should take all fees and costs into account alongside interest rates to find the total cost per mortgage – too high and these can make even attractive-looking rates work against you.

  • Application fees: Will the lender charge you a fee to get your mortgage set up? Even the best mortgage lenders 2014 may charge fees, YOU need to decide if they’re affordable both now and in the long term.
  • Your deposit: The size of your preferred deposit will have a big impact on the range of lenders available, the types of mortgage, and your access to the best rates. However, in some cases you might be best served either upping or lowering that deposit slightly, in order to qualify for the best mortgages 2014.
  • UK mortgage rates 2014: the cheapest mortgage rates 2014 has to offer mean nothing if the mortgage is unaffordable. In some cases you may be able to get around this (e.g. by switching away from the best fixed rate mortgages 2014 before its subsequent rates kick in or by extending over a longer term overall), but be aware what you’re getting into because it could cost you more in the long run.

Once you've checked out the best mortgage deals UK 2014, simply go for the option that will cost you least overall (after interest, fees and charges into consideration). Last but not least, check that you meet all the stated eligibility criteria to avoid your application being declined and leaving an unnecessary search on your credit file.

It's always worth getting advice from a mortgage advisor if you're not sure which mortgage deal is best for you.

Mortgages Comparison