Compare No Deposit Mortgages

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:

- 1.50% of the outstanding balance, in the first year

- 1.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 3 year fixed for existing borrowers

2.89% fixed for 3 years

4.24% variable

4.0% 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:

- 2.25% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

- 1.00% of the outstanding balance, in the third year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 2 year fixed for existing borrowers

3.02% fixed until 01 Oct 2024

Available via brokers only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme. Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

4.6% 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:

- 1.50% of the outstanding balance, before 01 Oct 2024

Other fees may apply.

Eligibility

Available in England
Available in Scotland
Available in Wales
Broker Only
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

TSB 2 year fixed for existing borrowers

3.14% fixed until 31 May 2024

4.3% 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:

- 2.00% of amount paid, before 31 May 2023

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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 5 year fixed for existing borrowers

3.19% fixed until 01 Oct 2027

4.1% 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:

- 3.50% of the outstanding balance, before 01 Oct 2027

Other fees may apply.

Eligibility

Available in England
Available in Scotland
Available in Wales
Broker Only
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 5 year fixed for existing borrowers

3.22% fixed until 01 Oct 2027

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

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:

- 3.50% of the outstanding balance, before 01 Oct 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 5 year fixed for existing borrowers

3.24% fixed for 5 years

4.24% variable

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:

- 3.75% of the outstanding balance, in the first year

- 3.50% of the outstanding balance, in the second year

- 3.00% of the outstanding balance, in the third year

- 2.00% of the outstanding balance, in the fourth year

- 1.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 2 year BBR tracker for existing borrowers

3.29% base rate tracker for 2 years

4.24% variable

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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 2 year fixed for existing borrowers

3.34% fixed until 01 Oct 2024

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

4.7% 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:

- 1.50% of the outstanding balance, before 01 Oct 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 3 year fixed for existing borrowers

3.34% fixed until 01 Oct 2025

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

4.5% 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 the outstanding balance, before 01 Oct 2025

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Loughborough 2 year discount

3.35% for 2 years (2.24% discount on SVR)

5.59% variable

4.4% 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:

- 2.00% of the original loan, in the first two years

Other fees may apply.

Eligibility

Available Direct
Available in England
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

TSB 5 year fixed for existing borrowers

3.39% fixed until 31 May 2027

4.0% 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:

- 5.00% of amount paid, before 31 May 2023

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

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

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

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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Loughborough 3 year fixed

3.49% fixed for 3 years

5.59% variable

4.3% 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:

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

- 2.00% of the original loan, between 12 and 36 months

Other fees may apply.

Eligibility

Available Direct
Available in England
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

Tipton & Coseley term discount

3.64% for mortgage term (2% discount on SVR)

3.64% variable

3.7% 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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Tipton & Coseley term discount

3.64% for mortgage term (2% discount on SVR)

3.64% variable

3.7% 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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Scottish Widows Bank 5 year fixed for existing borrowers

3.67% fixed until 31 Jul 2027

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:

- 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

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility

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

Scottish Widows Bank 5 year fixed for existing borrowers

3.67% fixed until 31 Jul 2027

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:

- 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

- 1.00% of amount paid, in the fifth year

Other fees may apply.

Eligibility

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

Barclays 5 year fixed

3.7% fixed until 31 Aug 2027

3.49% base rate tracker

3.5% 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:

- 2.00% of amount paid, before 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	70 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Scottish Widows Bank 2 year fixed for existing borrowers

3.77% 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

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility

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

Scottish Widows Bank 2 year fixed for existing borrowers

3.77% 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

- 1.00% of amount paid, in the second year

Other fees may apply.

Eligibility

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

TSB 2 year fixed for existing borrowers

4.14% fixed until 31 May 2024

5.34% variable

5.2% 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:

- 2.00% of amount paid, before 31 May 2023

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

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Minimum Income	£35,000
Permanent UK Resident
Self Employed Accepted

Leeds Building Society 2 year fixed for existing borrowers

125%

4.19% fixed until 31 Jul 2024

5.84% variable

The initial rate will be followed by a rate of 4.84% until 31 Jul 2027 (1% discount on SVR).

5.4% 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
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted

Leeds Building Society 2 year fixed for existing borrowers

125%

4.19% fixed until 31 Jul 2024

5.84% variable

The initial rate will be followed by a rate of 4.84% until 31 Jul 2027 (1% discount on SVR).

5.4% 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
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted

Leeds Building Society 2 year fixed for existing borrowers

125%

4.39% fixed until 31 Jul 2024

5.84% variable

The initial rate will be followed by a rate of 4.84% until 31 Jul 2027 (1% discount on SVR).

5.5% 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
Existing Borrowers Only
Permanent UK Resident
Self Employed Accepted

Leeds Building Society 2 year fixed for existing borrowers

150%

4.39% fixed until 31 Jul 2024

5.54% variable

The initial rate will be followed by a rate of 4.29% until 31 Jul 2027 (1.25% discount on SVR).

5.2% APRC