Compare our best 90% LTV mortgages

2.54% fixed until 31 Aug 2024

4.49% variable

4.4% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£999 with an option to add to the loan

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

Yorkshire Building Society 2 year fixed remortgage

2.64% fixed until 31 Jul 2024

The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).

3.8% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£995 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

HSBC 2 year fixed

2.69% fixed until 31 Jul 2024

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 2 year fixed for first time buyers

2.69% fixed until 31 Jul 2024

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Yorkshire Building Society 2 year fixed cashback mortgage

2.7% fixed until 31 Jul 2024

The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).

4.1% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£495 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 2 year fixed remortgage

2.74% fixed until 31 Jul 2024

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

Halifax 2 year fixed

2.75% fixed until 31 Aug 2024

4.49% variable

4.2% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£995 with an option to add to the loan

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Yorkshire Building Society 2 year fixed cashback remortgage

2.75% fixed until 31 Jul 2024

The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£495 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

HSBC 5 year fixed for first time buyers with an existing current account

2.76% fixed until 31 Jul 2027

3.7% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£1,499 with an option to add to the loan
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:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- then 1.00% of amount paid, until 31 Jul 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Customer Type	current account
Existing Customer Only
First Time Buyers Only
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

First Direct 2 year fixed

0808 296 6568

Maximum LTV

90%

Initial rate

2.79% fixed for 2 years

Subsequent rate (SVR)

4.04% variable

Overall cost for comparison

3.9% APRC

Available via telephone only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£490 paid upfront (non-refundable)
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

First Direct 5 year fixed

0808 296 6568

Maximum LTV

90%

Initial rate

2.79% fixed for 5 years

Subsequent rate (SVR)

4.04% variable

Overall cost for comparison

3.5% APRC

Available via telephone only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£490 paid upfront (non-refundable)
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, between 12 and 60 months

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

HSBC 3 year fixed

2.79% fixed until 31 Jul 2025

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, in the second year

- then 1.00% of amount paid, until 31 Jul 2025

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 3 year fixed for first time buyers

2.79% fixed until 31 Jul 2025

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, in the second year

- then 1.00% of amount paid, until 31 Jul 2025

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 5 year fixed

2.79% fixed until 31 Jul 2027

3.7% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- then 1.00% of amount paid, until 31 Jul 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 5 year fixed for first time buyers

2.79% fixed until 31 Jul 2027

3.7% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, in the fourth year

- then 1.00% of amount paid, until 31 Jul 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Yorkshire Building Society 2 year fixed

2.85% fixed until 31 Jul 2024

The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).

4.2% APRC

More information

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:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

Yorkshire Building Society 2 year fixed cashback mortgage

95%

2.85% fixed until 31 Jul 2024

The initial rate will be followed by a rate of 3.75% until 31 Jul 2027 (0.99% discount on SVR).

4.1% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£995 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of amount paid, before 31 Jul 2023

- then 1.50% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Yorkshire Building Society 5 year fixed

2.87% fixed until 31 Jul 2027

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£995 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Jul 2023

- then 4.00% of amount paid, until 31 Jul 2024

- then 3.00% of amount paid, until 31 Jul 2025

- then 2.50% of amount paid, until 31 Jul 2026

- then 1.50% of amount paid, until 31 Jul 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Halifax 5 year fixed

2.9% fixed until 31 Aug 2027

4.49% variable

4.0% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£995 with an option to add to the loan

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Yorkshire Building Society 5 year fixed cashback mortgage

2.92% fixed until 31 Jul 2027

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£495 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Jul 2023

- then 4.00% of amount paid, until 31 Jul 2024

- then 3.00% of amount paid, until 31 Jul 2025

- then 2.50% of amount paid, until 31 Jul 2026

- then 1.50% of amount paid, until 31 Jul 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

First Direct 2 year fixed

0808 296 6568

Maximum LTV

90%

Initial rate

2.99% fixed for 2 years

Subsequent rate (SVR)

4.04% variable

Overall cost for comparison

3.9% APRC

Available via telephone only.

More information

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 of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

HSBC 2 year fixed

2.99% fixed until 31 Jul 2024

More information

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:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 2 year fixed

95%

2.99% fixed until 31 Jul 2024

4.0% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	£999 with an option to add to the loan
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:

- 2.00% of amount paid, in the first year

- then 1.00% of amount paid, until 31 Jul 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

HSBC 2 year fixed for first time buyers

95%

2.99% fixed until 31 Jul 2024