Best discount rate mortgage/remortgage options
Best Buys
| Mortgage Provider | Mortgage Type | Initial Rate/Duration | Subsequent Rate/Duration | The overall cost for comparison | Early Repayment Charges | ||
|---|---|---|---|---|---|---|---|
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Remortgage | 2.85% (SVR minus 1.15% for 2 years- 60%) | 4.00% Variable for term | 3.90% APR | 2/1% for 2 years | ||
Mortgage DetailsProduct Name: 2 year 1.15% Discount
Product Description: 2 year Discount to 60% LTV
Mortgage Type: Remortgage
Initial Rate/Duration: 2.85% (SVR minus 1.15% for 2 years- 60%)
Subsequent Rate/Duration: 4.00% Variable for term
The overall cost for comparison: 3.90% APR
Special Deal: Free Valuation & Free Legal Service for remortgage. Metro Bank Account required
FeesLenders arrangement fee: £0
CHAPS Fee: £35
Lender Booking fee: £500
Charcol Booking fee: £0
Valuation Fees: £200
Legal Fees: £117
Early Repayment Charges: £2/1% for 2 years
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Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.05% (SVR minus 0.95% for 2 years- 80%) | 4.00% Variable for term | 4.00% APR | 2/1% for 2 years | ||
Mortgage DetailsProduct Name: 2 Year 0.95% Discount
Product Description: 2 Year Discount to 80% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.05% (SVR minus 0.95% for 2 years- 80%)
Subsequent Rate/Duration: 4.00% Variable for term
The overall cost for comparison: 4.00% APR
Special Deal: Free Valuation & Free Legal for remortgages. Metro Bank account required
FeesLenders arrangement fee: £0
CHAPS Fee: £35
Lender Booking fee: £500
Charcol Booking fee: £0
Valuation Fees: £200
Legal Fees: £117
Early Repayment Charges: £2/1% for 2 years
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.18% (SVR minus 2.41% for 3 years- 85%) | 5.59% Variable for term | 5.20% APR | 3% for 3 years | ||
Mortgage DetailsProduct Name: 3 Year 2.41% Discount
Product Description: 3 Year Discount to 80% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.18% (SVR minus 2.41% for 3 years- 85%)
Subsequent Rate/Duration: 5.59% Variable for term
The overall cost for comparison: 5.20% APR
Special Deal: Valuation Fee Refund (max £400).
FeesLenders arrangement fee: £999
CHAPS Fee: £30
Lender Booking fee: £0
Charcol Booking fee: £0
Valuation Fees: £194
Legal Fees: £150
Early Repayment Charges: £3% for 3 years
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.29% (SVR minus 2.35% for term- 75%) | n/a | 3.40% APR | No early repayment charge | ||
Mortgage DetailsProduct Name: Offset 2.35% Discount for term
Product Description: Discount Rate Mortgage
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.29% (SVR minus 2.35% for term- 75%)
Subsequent Rate/Duration: n/a
The overall cost for comparison: 3.40% APR
Special Deal: Free Valuation ( Maximum valuation £1m). Free legals on Remortgages.
FeesLenders arrangement fee: £695
CHAPS Fee: £35
Lender Booking fee: £195
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £150
Early Repayment Charges: £No early repayment charge
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.29% (2.66% Discount until 31/05/2014-80%) | 5.95% Variable for term | 4.10% APR | 3/2% until 31/05/2014 | ||
Mortgage DetailsProduct Name: 2.66% Discount until 31/05/2014
Product Description: Discount until 31/05/2014 80% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.29% (2.66% Discount until 31/05/2014-80%)
Subsequent Rate/Duration: 5.95% Variable for term
The overall cost for comparison: 4.10% APR
Special Deal: Free Valuation (Maximum £500k)
FeesLenders arrangement fee: £499
CHAPS Fee: £25
Lender Booking fee: £299
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £117
Early Repayment Charges: £3/2% until 31/05/2014
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.30% (SVR minus 2.39% for 2 years- 80%) | 5.69% Variable for term | 3.50% APR | 3/2% for 2 years | ||
Mortgage DetailsProduct Name: 2 Year 3.30% Discount for 2 years
Product Description: 2 Year Discount to 80% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.30% (SVR minus 2.39% for 2 years- 80%)
Subsequent Rate/Duration: 5.69% Variable for term
The overall cost for comparison: 3.50% APR
Special Deal:
FeesLenders arrangement fee: £800
CHAPS Fee: £35
Lender Booking fee: £199
Charcol Booking fee: £0
Valuation Fees: £335
Legal Fees: £117
Early Repayment Charges: £3/2% for 2 years
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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First Time Buyer Mortgage | 3.49% -( SVR minus 2.46% until 30/09/2014 (100%) | 5.95% Variable for term | 5.60% APR | No early repayment charge | ||
Mortgage DetailsProduct Name: Family Offset 2 Year 2.46% Discount.
Product Description: 2 Year Discount to 100% LTV
Mortgage Type: First Time Buyer Mortgage
Initial Rate/Duration: 3.49% -( SVR minus 2.46% until 30/09/2014 (100%)
Subsequent Rate/Duration: 5.95% Variable for term
The overall cost for comparison: 5.60% APR
Special Deal: Free Valuation ( Max value £500k). 20% LTV Savings must be held in a charged account.
FeesLenders arrangement fee: £399
CHAPS Fee: £25
Lender Booking fee: £100
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £117
Early Repayment Charges: £No early repayment charge
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Discount Rate Mortgage | 3.79% (SVR minus 1.85% for term- 85%) | n/a | 4.00% APR | No early repayment charge | ||
Mortgage DetailsProduct Name: Offset 1.85% Discount for term
Product Description: Offset Term Discount to 85% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.79% (SVR minus 1.85% for term- 85%)
Subsequent Rate/Duration: n/a
The overall cost for comparison: 4.00% APR
Special Deal: Free Valuation ( Maximum valuation £1m).
FeesLenders arrangement fee: £695
CHAPS Fee: £35
Lender Booking fee: £395
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £150
Early Repayment Charges: £No early repayment charge
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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Offset / CAM Mortgage | 3.99% (SVR minus 1.70% for 3 years - 80%) | 5.95% Variable for term | 4.30% APR | 3/4/3% for 3 years | ||
Mortgage DetailsProduct Name: Offset 1.70% Discount
Product Description: Offset 3 Year Discount to 80% LTV
Mortgage Type: Offset / CAM Mortgage
Initial Rate/Duration: 3.99% (SVR minus 1.70% for 3 years - 80%)
Subsequent Rate/Duration: 5.95% Variable for term
The overall cost for comparison: 4.30% APR
Special Deal: Free Valuation. Free Legal Service for Remortgage
FeesLenders arrangement fee: £800
CHAPS Fee: £35
Lender Booking fee: £199
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £150
Early Repayment Charges: £3/4/3% for 3 years
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
|
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Discount Rate Mortgage | 3.99% (SVR minus 1.96% until 31/03/2014 -88%) | 5.95% Variable for term | 4.20% APR | 3% until 31/03/2014 | ||
Mortgage DetailsProduct Name: FTB 2 Year 1.96% Discount.
Product Description: 2 Year Discount to 90% LTV.
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 3.99% (SVR minus 1.96% until 31/03/2014 -88%)
Subsequent Rate/Duration: 5.95% Variable for term
The overall cost for comparison: 4.20% APR
Special Deal: FTB only.
FeesLenders arrangement fee: £499
CHAPS Fee: £30
Lender Booking fee: £75
Charcol Booking fee: £0
Valuation Fees: £245
Legal Fees: £250
Early Repayment Charges: £3% until 31/03/2014
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
|
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Discount Rate Mortgage | 4.49% (SVR minus 0.46% until 31/07/2014- 90%) | 4.95% Variable for term | 4.65% APR | No early repayment charge | ||
Mortgage DetailsProduct Name: 2 Year 0.46% Discount. Professionals FTB Only
Product Description: 2 Year Discount to 90% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 4.49% (SVR minus 0.46% until 31/07/2014- 90%)
Subsequent Rate/Duration: 4.95% Variable for term
The overall cost for comparison: 4.65% APR
Special Deal:
FeesLenders arrangement fee: £999
CHAPS Fee: £30
Lender Booking fee: £0
Charcol Booking fee: £0
Valuation Fees: £340
Legal Fees: £250
Early Repayment Charges: £No early repayment charge
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
|
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Discount Rate Mortgage | 4.64% (SVR minus 1% for 2 years- 90%) | 5.64% Variable for term | 4.70% APR | No early repayment charge. | ||
Mortgage DetailsProduct Name: 2 Year 1% Discount
Product Description: 2 Year Discount to 90% LTV
Mortgage Type: Discount Rate Mortgage
Initial Rate/Duration: 4.64% (SVR minus 1% for 2 years- 90%)
Subsequent Rate/Duration: 5.64% Variable for term
The overall cost for comparison: 4.70% APR
Special Deal: Free Valuation ( Property value £1million)
FeesLenders arrangement fee: £695
CHAPS Fee: £25
Lender Booking fee: £295
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £250
Early Repayment Charges: £No early repayment charge.
|
Give us a callOur expert advisers are here to help with your specific mortgage needs, call them now on: 0845 413 1404If you are calling outside of our office hours, please leave a message with your name and contact details, and we will contact you once we re-open. Our office hours are: Monday to Thursday: 08.30am – 8pm
Friday: 08.30am - 6pm
Saturday: 10.00am – 4pm
Sunday: Closed
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John Charcol is a trading style of Towergate Financial (West) Limited which is authorised and regulated by the Financial Services Authority. Registered in England No. 02292688. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Telephone: 0845 413 1000.
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