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Good4(101 ratings)

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Reviewed by: johnanon

A mortgage I inherited when I moved in with my partner. They send a statement every year but no helpful inform...

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Compare C&G Mortgages

This comparison includes mortgages for this lender.

sorted by:

Most popular

  • Most popular
  • Maximum LTV
  • Lowest initial rate
  • Lowest subsequent rate (SVR)
  • Cheapest overall cost
C&G 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
1.94% fixed until 31st January 2019
Subsequent rate (SVR)
3.74% variable
Overall cost for comparison
3.3% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 3% of the amount paid, before 31st January 2018
- then 2% of the amount paid, until 31st January 2019

Other fees may apply.

More information on this mortgageLess information on this mortgage
C&G 4 year fixed for existing borrowers
Maximum LTV
120%
Initial rate
4.44% fixed until 31st January 2021
Subsequent rate (SVR)
3.74% variable
Overall cost for comparison
4.2% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 4% of the amount paid, before 31st January 2018
- then 3% of the amount paid, until 31st January 2020
- then 2% of the amount paid, until 31st January 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
C&G 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
2.14% fixed until 31st January 2019
Subsequent rate (SVR)
3.74% variable
Overall cost for comparison
3.3% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 3% of the amount paid, before 31st January 2018
- then 2% of the amount paid, until 31st January 2019

Other fees may apply.

More information on this mortgageLess information on this mortgage
C&G 4 year fixed for existing borrowers
Maximum LTV
120%
Initial rate
4.64% fixed until 31st January 2021
Subsequent rate (SVR)
3.74% variable
Overall cost for comparison
4.3% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 4% of the amount paid, before 31st January 2018
- then 3% of the amount paid, until 31st January 2020
- then 2% of the amount paid, until 31st January 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
C&G 4 year fixed for existing borrowers
Maximum LTV
120%
Initial rate
4.89% fixed until 31st January 2021
Subsequent rate (SVR)
3.74% variable
Overall cost for comparison
4.4% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 4% of the amount paid, before 31st January 2018
- then 3% of the amount paid, until 31st January 2020
- then 2% of the amount paid, until 31st January 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
Overall representative example for all mortgages on money.co.uk

Based on borrowing

£170,000 over 25 years

The overall cost of comparison

4.28% APRC representative

Initial rate

2.64% fixed for 2 years(24 instalments of £788.35pm)

Subsequent rate (SVR)

4.47% variable for the remaining 23 years
(276 instalments of £927.72pm)

Fees

£861

Total amount payable

£275,832.52

Cheltenham & Gloucester mortgages reviews

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Does C&G provide your mortgage?

Tell us what you think of them because it will help others.

10/12/14

Average type of mortgage provider

A mortgage I inherited when I moved in with my partner. They send a statement every year but no helpful information e.g. can I overpay, can I pay the total off without penalty, can I swap from standard variable rate or what alternatives are there. Still, less than five grand left to pay off so probably not worth investigation.

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/10/14

Recommended

Good value but not that helpful

I would check what happens on any changes you make, additions to the mortgage etc. as we got a little stung when adding on 10% on to the mortgage for extensions! They even made a mistake in the value to be charged which left us paying more (albeit not vastly). The rate though has always generally seemed quite good on a positive side.

Good Rate

Bad service

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

24/11/14

Recommended

Good mortgage provider

On the rare occasions I have had to contact my Mortgage provider they have been very helpful and courteous. I was easily able to arrange different payment dates after a job change, and change accounts when they also changed. The long term interest rates are also very good. They regularly keep me informed of my statement and my mortgage is accessible online.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

09/12/14

Recommended

Good all round lenders

Having negotiated my mortgage through C&G I wouldn't change them now. They send me annual statements of how much I have paid and what is outstanding. If I need to speak to an advisor there is always someone on the phone who can discuss and assist. Their staff are friendly and efficient and they have alwasys acted immediately on any instructions I have given them.

Good dommunication

Branch staff phone too often

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/10/14

Recommended

Tracker Mortgage

This mortgage was recommended to us by Lloyds bank - many years ago and it suits our needs very well, they were also very helpful when we were buying another property. We had a named advisor who was extremely helpful when we had any questions. annual statement is useful. We have been able to overpay in the last few years which has reduced the term of the mortgage significantly. This is a very useful element of the mortgage as you get older and the children start to leave home!

flexible rate tracks the bank of England base rate, can overpay by 10%

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does C&G provide your mortgage?

Tell us what you think of them because it will help others.