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Mortgage TypeInitial RateFinal RateAPRMax LTV 
APREnd Date 
Yorkshire BS
2yr BBR + 1.99% Tracker LTV 75% Direct
Tracker2.49%30 Jun
2014		4.99%4.6%75%
NatWest
2yr BBR + 2.19% H/P LTV 60% Direct
Tracker2.69%31 Jul
2014		4%4.2%60%
RBS
2yr BBR + 2.19% Tracker H/P LTV 60%
Tracker2.69%31 Jul
2014		4%pending60%
Santander
2yr BBR + 2.34% Tracker H/P C/B LTV 60% Direct
Tracker2.84%
24
months
4.24%4.1%60%
HSBC
Lifetime BBR + 2.39% LTV 70% Direct
Tracker2.89%term
n/a
3%70%
Yorkshire BS
Flexi 3yr 3.14% Fxd LTV 75% Direct
Fixed Rate3.14%30 Jun
2015		4.99%4.7%75%
HSBC
Lifetime BBR + 2.69% LTV 80% Direct
Tracker3.19%term
n/a
3.3%80%
Santander
2yr BBR + 2.74% Tracker H/P C/B LTV 75% Direct
Tracker3.24%
24
months
4.24%4.2%75%
Woolwich
Openplan FM 2yr BBR + 2.79% Offset LTV 70%
Offset3.29%31 May
2014		3.89%4%70%
Woolwich
Openplan FM 2yr BBR + 2.99% LTV 80%
Tracker3.49%31 May
2014		3.89%4%80%
The One Account
One Account CAM LTV 50%
Current Account3.65%term3.65%3.7%50%
Woolwich
Openplan FM BBR + 3.19% LTV 70%
Tracker3.69%term3.69%3.8%70%
Yorkshire BS
Flexi 5yr 3.69% Fixed LTV 75% Direct
Fixed Rate3.69%30 Jun
2017		4.99%4.6%75%
ING Direct
Lifetime BBR + 3.24% Tracker LTV 75%
Tracker3.74%term3.74%3.9%75%
The One Account
One Account CAM LTV 75%
Current Account3.75%term3.75%3.8%75%
HSBC
Lifetime BBR + 3.29% LTV 85% Special Direct No fee
Tracker3.79%term
n/a
3.9%85%
Woolwich
Openplan FM 2yr 3.79% Fxd BBR LTV 80%
Fixed Rate3.79%31 May
2014		3.89%4%80%
Post Office
2yr 3.79% Fixed BBR LTV 85%
Fixed Rate3.79%30 Jun
2014		4.49%4.5%85%
ING Direct
Lifetime BBR + 3.34% Tracker LTV 80%
Tracker3.84%term3.84%4%80%
Woolwich
2yr 3.88% Fxd BTL BBR LTV 60%
Buy To Let3.88%02 Jun
2014		4.99%5.1%60%
This is a buy to let mortgage.
Woolwich
Openplan FM 3yr 3.99% Fxd BBR LTV 80%
Fixed Rate3.99%31 May
2015		3.89%4%80%
NatWest
Term Flexible Offset LTV 75% Direct
Offset4.00%term4%4.2%75%
RBS
Flexible Offset Variable LTV 75%
Offset4.00%term4%4.2%75%
HSBC
Lifetime BBR + 4.09% LTV 90% Direct
Tracker4.59%term
n/a
4.8%90%
Woolwich
Openplan FM 10yr 4.99% Fxd BBR LTV 70%
Fixed Rate4.99%31 May
2022		3.89%4.9%70%
Post Office
3yr 5.29% Fixed BBR LTV 90%
Fixed Rate5.29%30 Jun
2015		4.49%4.9%90%
Woolwich
2yr 5.29% Fxd BTL BBR LTV 75%
Buy To Let5.29%02 Jun
2014		4.99%5.4%75%
This is a buy to let mortgage.
NatWest
2yr 5.59% Fixed LTV 90% Direct
Fixed Rate5.59%31 Jul
2014		4%4.5%90%
Santander
2yr 5.79% Fixed H/P C/B LTV 90% Direct
Fixed Rate5.79%02 Jun
2014		4.24%4.7%90%
RBS
2yr 5.79% Fxd LTV 100% Ex/B Direct
Fixed Rate5.79%31 Jul
2014		4%4.4%100%
Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.

 

 

A Guide to UK Mortgages

A massive massive subject and massive savings avaliable aswell , some people will find it stressful and in most cases , making the biggest purchase of their life . Their is a large range of mortgages avaliable in the UK market place ,( for example 100% mortgages ) and all these different types of mortgages are meant to suit the large amount of people with different circumstances they are trying to cater for . Although it is common for people to be paying more than they should or more than they need to because they have selected the wrong product or been adviced to take the wrong product , or in some cases they have gambled on the wrong product by maybe selecting a fixed rate mortgage and then the interest rate has fallen significantly . If you manage to select the right mortgage or get good advice on which one to select then you can potentially save thousands of pounds . If you manage to get a deal 1% cheaper on £100 000 mortgage then you will save £1000 per year on a repayment mortgage so it is well worth alot of consideration before you commit to a deal .

BE WARNED THERE ARE SHARKS OUT THERE !!!

 

If you are looking for 100% free independant advice on finding the right mortgage then here is a great place to find it at

 

http://www.moneysavingexpert.com/mortgages/mortgage-guide

Martin has a wealth of knowledge on all types of money saving tips and offers advice online which you can read for 100% free and I would highly recommend you take a look before selecting a mortgage .

If you follow the link you will find Martin has made avaliable a downloadable printable document with 7 chapters

Chapter 1: What type of mortgage to choose?

Chapter 2: Boost first time buyers' ability to get mortgage

Chapter 3: Mortgages for self-employed / contractors

Chapter 4: How to get a mortgage

Chapter 5: Watching out for the hard sell

Chapter 6: Don't forget the fees

Chapter 7: Buy to let

and like I said it's 100% free no need to signup for a news letter or anything , just excellent reading material .