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sorted by: Lowest initial monthly payment

  • Most popular
  • Lowest initial rate
  • Lowest subsequent rate (SVR)
  • Cheapest overall cost
  • Lowest initial monthly payment
How we order our comparisons
Santander 2 year fixed cashback mortgage
Initial rate
1.69% fixed until 02 Aug 2020
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.6% APR
Monthly payment
£695.17 for 27 monthsthen £858.26 a month
The total cost of a £170,000 mortgage over 25 years is £254,083.57, including £1,259 of fees and £250 cashback.
More information on this mortgage Less information on this mortgage
Fees
Application fee
No fee
Arrangement fee
No fee
Completion fee
No fee
Product fee
£999 with an option to add to the loan
Valuation 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 outstanding balance, before 2nd August 2020
- £250 cashback needs to be repaid before 2nd June 2020

Other fees may apply.

Barclays 2 year fixed
Initial rate
1.78% fixed until 31 Jul 2020
Subsequent rate (SVR)
3.99% variable
Overall cost for comparison
3.7% APRC
Monthly payment
£702.48 for 26 monthsthen £879.96 a month
The total cost of a £170,000 mortgage over 25 years is £260,487.52, including £1,114 of fees.
More information on this mortgage Less information on this mortgage
Fees
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£999 with an option to add to the loan
Valuation 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 July 2020

Other fees may apply.

Virgin Money 2 year fixed cashback mortgage
0330 057 1718
Initial rate
1.81% fixed until 01 Sep 2020
Subsequent rate (SVR)
4.79% variable
Overall cost for comparison
4.2% APRC
Monthly payment
£704.93 for 28 monthsthen £948.32 a month
The total cost of a £170,000 mortgage over 25 years is £278,644.08, including £1,263 of fees and £300 cashback.
Available on an interest only or repayment basis. For residential and interest only part and part loans there is a minimum combined gross income requirement of £50,000.
More information on this mortgage Less information on this mortgage
Fees
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
Valuation fee
£188
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 1.5% of the outstanding balance, before 1st September 2020

Other fees may apply.

Santander 2 year tracker
Initial rate
1.84% base rate tracker for 2 years
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.5% APR
Monthly payment
£707.38 for 24 monthsthen £861.12 a month
The total cost of a £170,000 mortgage over 25 years is £255,905.24, including £1,259 of fees.
More information on this mortgage Less information on this mortgage
Fees
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
Valuation fee
No fee
Other fees may apply
NatWest 2 year fixed
0800 158 2933
Initial rate
1.87% fixed until 31 Jul 2020
Subsequent rate (SVR)
3.99% variable
Overall cost for comparison
3.8% APRC
Monthly payment
£709.84 for 26 monthsthen £880.69 a month
The total cost of a £170,000 mortgage over 25 years is £261,037.90, including £1,273 of fees.
More information on this mortgage Less information on this mortgage
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£995 paid upfront
Valuation fee
£248
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st July 2019
- then 1% of the amount paid, until 31st July 2020

Other fees may apply.

The Royal Bank 2 year fixed
0800 068 7667
Initial rate
1.87% fixed until 31 Jul 2020
Subsequent rate (SVR)
3.99% variable
Overall cost for comparison
3.8% APRC
Monthly payment
£709.84 for 26 monthsthen £880.69 a month
The total cost of a £170,000 mortgage over 25 years is £261,037.90, including £1,273 of fees.
More information on this mortgage Less information on this mortgage
Fees
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
Valuation fee
£248
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st July 2019
- then 1% of the amount paid, until 31st July 2020

Other fees may apply.

Virgin Money 2 year fixed cashback mortgage for first time buyers
0330 057 1718
Initial rate
1.89% fixed until 01 Sep 2020
Subsequent rate (SVR)
4.79% variable
Overall cost for comparison
4.4% APRC
Monthly payment
£711.48 for 28 monthsthen £949.07 a month
The total cost of a £170,000 mortgage over 25 years is £278,831.48, including £1,263 of fees and £500 cashback.
Available on an interest only or repayment basis. For residential and interest only part and part loans there is a minimum combined gross income requirement of £50,000.
More information on this mortgage Less information on this mortgage
Fees
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
Valuation fee
£188
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 1.5% of the outstanding balance, before 1st September 2020

Other fees may apply.

Virgin Money 3 year fixed cashback mortgage
0330 057 1718
Initial rate
1.99% fixed until 01 Sep 2021
Subsequent rate (SVR)
4.79% variable
Overall cost for comparison
4.0% APRC
Monthly payment
£719.73 for 40 monthsthen £940.04 a month
The total cost of a £170,000 mortgage over 25 years is £274,162.60, including £1,263 of fees and £300 cashback.
Available on an interest only or repayment basis. For residential and interest only part and part loans there is a minimum combined gross income requirement of £50,000.
More information on this mortgage Less information on this mortgage
Fees
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
Valuation fee
£188
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the outstanding balance, before 1st September 2021

Other fees may apply.

Yorkshire Building Society 2 year fixed cashback mortgage
Initial rate
2.09% fixed until 30 Sep 2020
Subsequent rate (SVR)
4.99% variable
Overall cost for comparison
4.6% APRC
Monthly payment
£728.02 for 28 monthsthen £968.77 a month
The total cost of a £170,000 mortgage over 25 years is £283,760, including £120 of fees and £250 cashback.
More information on this mortgage Less information on this mortgage
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Valuation fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2.5% of the amount paid, before 30th September 2019
- then 1.5% of the amount paid, until 30th September 2020

Other fees may apply.

Virgin Money 2 year fixed
0330 057 1718
Initial rate
2.11% fixed until 01 Sep 2020
Subsequent rate (SVR)
4.79% variable
Overall cost for comparison
4.3% APRC
Monthly payment
£729.69 for 28 monthsthen £951.12 a month
The total cost of a £170,000 mortgage over 25 years is £279,403.96, including £268 of fees.
Available on an interest only or repayment basis. For residential and interest only part and part loans there is a minimum combined gross income requirement of £50,000.
More information on this mortgage Less information on this mortgage
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Valuation fee
£188
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 1.5% of the outstanding balance, before 1st September 2020

Other fees may apply.

The results shown are for illustrative purposes, as you may not be eligible for every deal shown.

Lenders consider your credit record and financial circumstances when they decide if they can offer you a mortgage.

Overall representative example

Based on borrowing

£170,000 over 25 years

The overall cost of comparison

4.06% APRC representative

Initial rate

2.39% fixed for 2 years(24 instalments of £753.93pm)

Subsequent rate (SVR)

4.32% variable for the remaining 23 years
(276 instalments of £914.45pm)

Lender fee

£573

Total amount payable

£271,056.74

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