Compare Cash Back Mortgages

Compare the best cash back mortgages currently on offer in the UK side by side and find the cheapest cash back mortgage deals with the best cashback mortgage rates in minutes. We make it easy to find the cheapest cash back mortgage deal that suits your circumstances completely hassle free so you get as much as possible back.

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		Type	Initial Deal		ERC	Subsequent Rate	APR	Max LTV	Cashback
		Type	Interest Rate	End Date	ERC	Subsequent Rate	APR	Max LTV	Cashback
Promoted Results
	Santander 2 Year 1.99% Fixed 60% LTV £550K £250 Cashback £995 Fee	Fixed Rate	1.99%	02 Aug 2015		4.74%	4.3%	60%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 1.99% Fixed 60% LTV £550K £250 Cashback £995 Fee	Fixed Rate	1.99%	02 Aug 2015		4.74%	4.4%	60%	£250
	Available only to those that have a current account with the lender.
	Yorkshire BS 2 Year 1.99% Fixed 60% LTV £5M £500 Cashback £975 Fee	Fixed Rate	1.99%	30 Jun 2015		4.99%	4.6%	60%	£500
	Santander 2 Year 2.14% Fixed 60% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.14%	02 Aug 2015		4.74%	4.4%	60%	£250
	Santander 2 Year 2.14% Fixed 60% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.14%	02 Aug 2015		4.74%	4.3%	60%	£250
	Yorkshire BS 2 Year 2.19% Fixed 60% LTV £1M £500 Cashback £475 Fee	Fixed Rate	2.19%	30 Jun 2015		4.99%	4.6%	60%	£500
	Yorkshire BS Offset 2 Year 2.19% Fixed 60% LTV £5M £500 Cashback £975 Fee	Fixed Rate	2.19%	30 Jun 2015		4.99%	4.6%	60%	£500
	Santander 2 Year 2.29% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.29%	02 Aug 2015		4.74%	4.5%	70%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.29% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.29%	02 Aug 2015		4.74%	4.4%	70%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.29% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.29%	02 Aug 2015		4.74%	4.5%	70%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.29% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.29%	02 Aug 2015		4.74%	4.4%	70%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.34% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.34%	02 Aug 2015		4.74%	4.5%	70%	£250
	Santander 2 Year 2.34% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.34%	02 Aug 2015		4.74%	4.4%	70%	£250
	Yorkshire BS Offset 2 Year 2.39% Fixed 60% LTV £1M £500 Cashback £475 Fee	Fixed Rate	2.39%	30 Jun 2015		4.99%	4.6%	60%	£500
	Santander 2 Year BBR+1.94% Tracker 70% LTV £1M £250 Cashback £995 Fee	Tracker	2.44%	24 months		4.74%	4.5%	70%	£250
	Santander 2 Year BBR+1.94% Tracker 70% LTV £1M £250 Cashback £995 Fee	Tracker	2.44%	24 months		4.74%	4.4%	70%	£250
	Santander 2 Year BBR+1.94% Tracker 70% LTV £1M £250 Cashback £995 Fee	Tracker	2.44%	24 months		4.74%	4.5%	70%	£250
	Chelsea Building Society 2 Year BBR+1.99% Tracker 75% LTV £1M £500 Cashback £745 Fee	Tracker	2.49%	31 Jul 2015		5.79%	5.3%	75%	£500
	Santander 2 Year 2.49% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.49%	02 Aug 2015		4.74%	4.5%	75%	£250
	Santander 2 Year 2.49% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.49%	02 Aug 2015		4.74%	4.5%	75%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.49% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.49%	02 Aug 2015		4.74%	4.5%	75%	£250
	Available only to those that have a current account with the lender.
	Santander 5 Year 2.49% Fixed 60% LTV £550K £250 Cashback £1,495 Fee	Fixed Rate	2.49%	02 Aug 2018		4.74%	4.0%	60%	£250
	Available only to those that have a current account with the lender.
	Santander 5 Year 2.49% Fixed 60% LTV £550K £250 Cashback £1,495 Fee	Fixed Rate	2.49%	02 Aug 2018		4.74%	4.1%	60%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year BBR+2.04% Tracker 75% LTV £1M £250 Cashback £995 Fee	Tracker	2.54%	24 months		4.74%	4.5%	75%	£250
	Santander 2 Year 2.54% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.54%	02 Aug 2015		4.74%	4.5%	75%	£250
	Santander 2 Year 2.54% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.54%	02 Aug 2015		4.74%	4.5%	75%	£250
	Santander 2 Year BBR+2.04% Tracker 75% LTV £1M £250 Cashback £995 Fee	Tracker	2.54%	24 months		4.74%	4.5%	75%	£250
	Santander 3 Year 2.59% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.59%	02 Aug 2016		4.74%	4.4%	70%	£250
	Santander 3 Year 2.59% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.59%	02 Aug 2016		4.74%	4.4%	70%	£250
	Santander 2 Year BBR+2.09% Tracker 75% LTV £1M £250 Cashback £995 Fee	Tracker	2.59%	24 months		4.74%	4.5%	75%	£250
	Santander 2 Year BBR+2.09% Tracker 75% LTV £1M £250 Cashback £995 Fee	Tracker	2.59%	24 months		4.74%	4.5%	75%	£250
	Santander 2 Year BBR+2.09% Tracker 75% LTV £1M £250 Cashback £995 Fee	Tracker	2.59%	24 months		4.74%	4.5%	75%	£250
	Chelsea Building Society Offset 2 Year BBR+2.19% Tracker 75% LTV £1M £500 Cashback £745 Fee	Tracker	2.69%	31 Jul 2015		5.79%	5.4%	75%	£500
	Yorkshire BS Offset 2 Year BBR+2.29% Tracker 75% LTV £1M £500 Cashback £475 Fee	Tracker	2.79%	30 Jun 2015		4.99%	4.7%	75%	£500
	Santander 3 Year 2.94% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.94%	02 Aug 2016		4.74%	4.5%	75%	£250
	NatWest 4 Year 2.95% Fixed 60% LTV £10M £250 Cashback £2,495 Fee	Fixed Rate	2.95%	31 Oct 2017		4%	---	60%	£250	0800 158 2933
	Available for existing customers only.
	NatWest 4 Year 2.95% Fixed 60% LTV £10M £250 Cashback £2,495 Fee	Fixed Rate	2.95%	31 Oct 2017		4%	---	60%	£250	0800 158 2933
	Available for existing customers only.
	RBS 4 Year 2.95% Fixed 60% LTV £10M £250 Cashback £2,495 Fee	Fixed Rate	2.95%	31 Oct 2017		4%	---	60%	£250	0800 068 7667
	Available for existing customers only.
	RBS 4 Year 2.95% Fixed 60% LTV £10M £250 Cashback £2,495 Fee	Fixed Rate	2.95%	31 Oct 2017		4%	---	60%	£250	0800 068 7667
	Available for existing customers only.
	Principality Building Society 2 Year 2% Discount 75% LTV £500K £99 Cashback £99 Fee	Variable	2.99%	30 Jun 2015		4.99%	4.8%	75%	£99
	Santander 5 Year 2.99% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.99%	02 Aug 2018		4.74%	4.1%	70%	£250
	NatWest 16 months BBR+2.49% Tracker 75% LTV £10M £250 Cashback £2,495 Fee	Tracker	2.99%	31 Oct 2014		4%	---	75%	£250	0800 158 2933
	Available for existing customers only.
	Principality Building Society 4 Year 2.99% Fixed 75% LTV £500K £99 Cashback £99 Fee	Fixed Rate	2.99%	30 Jun 2017		4.99%	4.6%	75%	£99
	Principality Building Society 2 Year 2% Discount 60% LTV £500K £99 Cashback £99 + 2% Fees	Variable	2.99%	30 Jun 2015		4.99%	4.8%	60%	£99
	Santander 2 Year 2.99% Fixed 70% LTV £550K £250 Cashback No Fee	Fixed Rate	2.99%	02 Aug 2015		4.74%	4.4%	70%	£250
	Santander 5 Year 2.99% Fixed 70% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.99%	02 Aug 2018		4.74%	4.2%	70%	£250
	Santander 2 Year BBR+2.49% Tracker 70% LTV £550K £250 Cashback No Fee	Tracker	2.99%	24 months		4.74%	4.6%	70%	£250
	Santander 2 Year 2.99% Fixed 70% LTV £550K £250 Cashback No Fee	Fixed Rate	2.99%	02 Aug 2015		4.74%	4.6%	70%	£250
	Santander 2 Year BBR+2.49% Tracker 70% LTV £550K £250 Cashback No Fee	Tracker	2.99%	24 months		4.74%	4.4%	70%	£250
	Santander 3 Year 2.99% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.99%	02 Aug 2016		4.74%	4.5%	75%	£250
	Santander 3 Year 2.99% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.99%	02 Aug 2016		4.74%	4.4%	75%	£250
	Santander 2 Year BBR+2.49% Tracker 70% LTV £550K £250 Cashback No Fee	Tracker	2.99%	24 months		4.74%	4.6%	70%	£250
	Santander 5 Year 3.09% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	3.09%	02 Aug 2018		4.74%	4.3%	75%	£250
	Santander 5 Year 3.14% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	3.14%	02 Aug 2018		4.74%	4.2%	75%	£250
	Santander 5 Year 3.14% Fixed 75% LTV £1M £250 Cashback £995 Fee	Fixed Rate	3.14%	02 Aug 2018		4.74%	4.3%	75%	£250
	NatWest 16 months BBR+2.69% Tracker 60% LTV £10M £250 Cashback £1,495 Fee	Tracker	3.19%	31 Oct 2014		4%	---	60%	£250	0800 158 2933
	Available for existing customers only.
	RBS 16 months BBR+2.69% Tracker 60% LTV £10M £250 Cashback £1,495 Fee	Tracker	3.19%	31 Oct 2014		4%	---	60%	£250	0800 068 7667
	Available for existing customers only.
	Santander 3 Year 3.19% Fixed 70% LTV £550K £250 Cashback No Fee	Fixed Rate	3.19%	02 Aug 2016		4.74%	4.5%	70%	£250
	Santander 3 Year 3.19% Fixed 70% LTV £550K £250 Cashback No Fee	Fixed Rate	3.19%	02 Aug 2016		4.74%	4.4%	70%	£250
	Santander 2 Year BBR+2.69% Tracker 75% LTV £550K £250 Cashback No Fee	Tracker	3.19%	24 months		4.74%	4.6%	75%	£250
Full Results
	Halifax 2 Year 1.89% Fixed 60% LTV £1M £150 Cashback £2,260 Fee	Fixed Rate	1.89%	31 Aug 2015		3.99%	3.8%	60%	£150	0845 5089113
	Available only to those that have a current account with the lender.
	Halifax 2 Year 1.89% Fixed 60% LTV £1M £150 Cashback £2,260 Fee	Fixed Rate	1.89%	31 Aug 2015		3.99%	3.9%	60%	£150	0845 5089113
	Available only to those that have a current account with the lender.
	Lloyds TSB 2 Year 1.89% Fixed 60% LTV £1M £500 Cashback £2,359 Fee	Fixed Rate	1.89%	31 Aug 2015		3.99%	3.9%	60%	£500
	Available only to those that have a current account with the lender.
	Lloyds TSB 2 Year 1.89% Fixed 60% LTV £1M £500 Cashback £2,359 Fee	Fixed Rate	1.89%	31 Aug 2015		3.99%	3.9%	60%	£500
	Available only to those that have a current account with the lender.
	Lloyds TSB 2 Year BBR+1.39% Tracker 60% LTV £1M £500 Cashback £2,359 Fee	Tracker	1.89%	31 Aug 2015		3.99%	3.9%	60%	£500
	Available only to those that have a current account with the lender.
	Lloyds TSB 2 Year BBR+1.39% Tracker 60% LTV £1M £500 Cashback £2,359 Fee	Tracker	1.89%	31 Aug 2015		3.99%	3.9%	60%	£500
	Available only to those that have a current account with the lender.
	Santander 2 Year 1.99% Fixed 60% LTV £550K £250 Cashback £995 Fee	Fixed Rate	1.99%	02 Aug 2015		4.74%	4.3%	60%	£250
	Available only to those that have a current account with the lender.
	Santander 2 Year 1.99% Fixed 60% LTV £550K £250 Cashback £995 Fee	Fixed Rate	1.99%	02 Aug 2015		4.74%	4.4%	60%	£250
	Available only to those that have a current account with the lender.
	Yorkshire BS 2 Year 1.99% Fixed 60% LTV £5M £500 Cashback £975 Fee	Fixed Rate	1.99%	30 Jun 2015		4.99%	4.6%	60%	£500
	Santander 3 Year 1.99% Fixed 70% LTV £1M £250 Cashback 2.5% Fee	Fixed Rate	1.99%	02 Aug 2016		4.74%	4.2%	70%	£250
	Santander 3 Year 1.99% Fixed 70% LTV £1M £250 Cashback 2.5% Fee	Fixed Rate	1.99%	02 Aug 2016		4.74%	4.4%	70%	£250
	Nationwide 2 Year 2.04% Fixed 60% LTV £5M £100 Cashback £900 Fee	Fixed Rate	2.04%	24 months		3.99%	3.6%	60%	£100
	Nationwide 2 Year 2.04% Fixed 60% LTV £5M £100 Cashback £900 Fee	Fixed Rate	2.04%	24 months		3.99%	3.6%	60%	£100
	Woolwich Current Account 2 Year 2.09% Fixed 60% LTV £1M £200 Cashback £999 Fee	Fixed Rate	2.09%	30 Sep 2015		3.89%	varies	60%	£200
	Woolwich Current Account 2 Year 2.09% Fixed 60% LTV £1M £200 Cashback £999 Fee	Fixed Rate	2.09%	30 Sep 2015		3.89%	varies	60%	£200
	Woolwich Current Account 2 Year 2.09% Fixed 60% LTV £1M £200 Cashback £499 Fee	Fixed Rate	2.09%	30 Sep 2015		3.89%	varies	60%	£200
	Available only to those that have a current account with the lender.
	Woolwich Current Account 2 Year 2.09% Fixed 60% LTV £1M £200 Cashback £499 Fee	Fixed Rate	2.09%	30 Sep 2015		3.89%	varies	60%	£200
	Available only to those that have a current account with the lender.
	Santander 2 Year 2.14% Fixed 60% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.14%	02 Aug 2015		4.74%	4.4%	60%	£250
	Santander 2 Year 2.14% Fixed 60% LTV £1M £250 Cashback £995 Fee	Fixed Rate	2.14%	02 Aug 2015		4.74%	4.3%	60%	£250
	Nationwide 2 Year 2.14% Fixed 60% LTV £1M £250 Cashback £999 Fee	Fixed Rate	2.14%	24 months		3.99%	3.7%	60%	£250
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How to Get the Best Cash Back Mortgages

Cash back mortgages are becoming increasingly common and unsurprisingly a growing number of people are being attracted by the prospect of receiving a cash lump sum when they apply for a mortgage deal.

While they can sometimes represent a good deal you do need to research your options thoroughly.

This is because the cashback typically advertised as a reward for taking on a cashback mortgage is not a completely free lump sum. The reality is that it is part of the interest you will pay during the course of the loan will cover this cost.

For this reason cash back mortgage rates are typically higher than those offered by other equivalent mortgage deals; this is largely to cover the cost of the cash offered at the beginning of the mortgage.

These kinds of mortgages are generally seen as a being the perfection solution for first time buyers looking to get on the property ladder. This is because the cash back on mortgages can being used to pay the various fees associated with moving into your first home as well as buying the contents to furnish it.

However, unfortunately things aren’t straight forward and you need to work out the total cost of a cashback mortgage over the deal term – including fees and charges – and compare it to the best mortgage deals that don’t offer cashback.

In the long run, going for the cheapest deal overall will be better financially, even if a cashback mortgage will give you more money to DIY with when you first move.

Finding the best mortgage cashback deals is essential because it’s not only the mortgage rates that differ. The fees, terms of the agreement and the repayment schedule are all things that will vary from provider to provider and deal to deal so all need to be taken into consideration.

There are many cash back mortgage providers in the UK but when researching the best for your circumstances, it’s important not to just take the deal that offers the cheapest interest rate or highest cashback rate.

It may sound good at first glance but until you have looked at multiple mortgages, it is very unlikely that you are able to get the best cashback mortgage.

	Tracker		Remortgages
	Fixed Rate		First Time Buyer
	Buy To Let

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How to Get the Best Cash Back Mortgages

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