Best fixed rate mortgage/remortgage options
John Charcol’s best fixed rate mortgage table shows you some of the very best fixed rate mortgage deals on the market at the moment.
Best Buys
| Mortgage Provider | Mortgage Type | Initial Rate/Duration | Subsequent Rate/Duration | The overall cost for comparison | Early Repayment Charges | ||
|---|---|---|---|---|---|---|---|
|
Fixed Rate Mortgage | 3.18% Fixed until 30/06/2014 (65%) | 4.74% Variable for term | 4.50% APR | 3% until 30/06/2014 | ||
Mortgage DetailsProduct Name: 2 Year 3.18% Fixed
Product Description: 2 Year Fixed to 65% LTV
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.18% Fixed until 30/06/2014 (65%)
Subsequent Rate/Duration: 4.74% Variable for term
The overall cost for comparison: 4.50% APR
Special Deal: Free Valuation up to £670. Free Legal Service on Remortgage
FeesLenders arrangement fee: £800
CHAPS Fee: £35
Lender Booking fee: £199
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £117
Early Repayment Charges: £3% until 30/06/2014
|
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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|
Fixed Rate Mortgage | 3.25% Fixed for 2 years (60%) | 4.00% Variable for term | 4.00% APR | 2/1% for 2 years | ||
Mortgage DetailsProduct Name: 2 Year 3.25% Fixed
Product Description: 2 Year Fixed to 60% LTV.
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.25% Fixed for 2 years (60%)
Subsequent Rate/Duration: 4.00% Variable for term
The overall cost for comparison: 4.00% APR
Special Deal: 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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|
Remortgage | 3.49% Fixed until 31/07/2014 (75%) | 4.95% Variable for term | 4.65% APR | 3/2% until 31/07/2014 | ||
Mortgage DetailsProduct Name: 3 Year Fixed until 31/07/2014 (75%).
Product Description: 3 Year Fixed Rate until 31/07/2014 (75%)
Mortgage Type: Remortgage
Initial Rate/Duration: 3.49% Fixed until 31/07/2014 (75%)
Subsequent Rate/Duration: 4.95% Variable for term
The overall cost for comparison: 4.65% APR
Special Deal: Free Valuation and Free Legal Service for Remortgage
FeesLenders arrangement fee: £999
CHAPS Fee: £30
Lender Booking fee: £0
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £0
Early Repayment Charges: £3/2% until 31/07/2014
|
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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|
Large Loan Mortgage | 3.49% Fixed until 31/07/2014 (60%) | 3.50% Variable for term | 3.60% APR | 2.7/1.8% until 31/07/2014 | ||
Mortgage DetailsProduct Name: 2 Year 3.49% Fixed
Product Description: 2 Year Fixed 60% LTV
Mortgage Type: Large Loan Mortgage
Initial Rate/Duration: 3.49% Fixed until 31/07/2014 (60%)
Subsequent Rate/Duration: 3.50% Variable for term
The overall cost for comparison: 3.60% APR
Special Deal: Valuation fee refunded on Purchase.Free Valuation and Free Legal for Remortgage
FeesLenders arrangement fee: £750
CHAPS Fee: £35
Lender Booking fee: £195
Charcol Booking fee: £0
Valuation Fees: £145
Legal Fees: £150
Early Repayment Charges: £2.7/1.8% until 31/07/2014
|
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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|
Fixed Rate Mortgage | 3.69% Fixed for 3 years (70%) | 3.99% Variable for term | 4.10% APR | 4% to last day of month in 3 years | ||
Mortgage DetailsProduct Name: 3 Year 3.69% Fixed
Product Description: 3 Year Fixed to 70% LTV
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.69% Fixed for 3 years (70%)
Subsequent Rate/Duration: 3.99% Variable for term
The overall cost for comparison: 4.10% APR
Special Deal: Free Legals and Free Valuation on Remortgages
FeesLenders arrangement fee: £900
CHAPS Fee: £30
Lender Booking fee: £99
Charcol Booking fee: £0
Valuation Fees: £255
Legal Fees: £132
Early Repayment Charges: £4% to last day of month in 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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|
Fixed Rate Mortgage | 3.69% Fixed for 2 years (80%) | 5.59% Variable for term | 5.60% APR | 2% for 2 years | ||
Mortgage DetailsProduct Name: 2 Year 3.69% Fixed
Product Description: 2 Year Fixed Rate to 80% LTV.
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.69% Fixed for 2 years (80%)
Subsequent Rate/Duration: 5.59% Variable for term
The overall cost for comparison: 5.60% APR
Special Deal:
FeesLenders arrangement fee: £999
CHAPS Fee: £30
Lender Booking fee: £0
Charcol Booking fee: £0
Valuation Fees: £194
Legal Fees: £150
Early Repayment Charges: £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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|
|
Fixed Rate Mortgage | 3.74% Fixed until 01/07/2014 (80%) | 3.50% Variable for term | 3.60% APR | 2.7/1.8% until 31/07/2014 | ||
Mortgage DetailsProduct Name: 2 Year 3.74% Fixed
Product Description: 2 Year Fixed until 01/07/2014 80% LTV
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.74% Fixed until 01/07/2014 (80%)
Subsequent Rate/Duration: 3.50% Variable for term
The overall cost for comparison: 3.60% APR
Special Deal: Valuation fee refunded on Purchase.Free Valuation and Free Legal for Remortgage
FeesLenders arrangement fee: £750
CHAPS Fee: £35
Lender Booking fee: £195
Charcol Booking fee: £0
Valuation Fees: £145
Legal Fees: £150
Early Repayment Charges: £2.7/1.8% until 31/07/2014
|
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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|
|
Fixed Rate Mortgage | 3.79% Fixed until 31/07/2015 (75%) | 4.95% Variable for term | 4.60% APR | 5/4/3% until 31/07/2015 | ||
Mortgage DetailsProduct Name: 3 Year 3.79% Fixed
Product Description: 3 Year Fixed to 75% LTV
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.79% Fixed until 31/07/2015 (75%)
Subsequent Rate/Duration: 4.95% Variable for term
The overall cost for comparison: 4.60% APR
Special Deal:
FeesLenders arrangement fee: £999
CHAPS Fee: £40
Lender Booking fee: £0
Charcol Booking fee: £0
Valuation Fees: £340
Legal Fees: £300
Early Repayment Charges: £5/4/3% until 31/07/2015
|
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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|
Fixed Rate Mortgage | 3.99% Fixed until 31/07/2017 (60%) | 3.50% Variable for term | 3.80% APR | 4.1/4.1/4.1/1.6/1.6% until 31/07/2017 | ||
Mortgage DetailsProduct Name: 5 Year 3.99% Fixed
Product Description: 5 Year Fixed to 60% LTV
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 3.99% Fixed until 31/07/2017 (60%)
Subsequent Rate/Duration: 3.50% Variable for term
The overall cost for comparison: 3.80% APR
Special Deal: Valuation fee refunded on Purchase.Free Valuation and Free Legal for Remortgage
FeesLenders arrangement fee: £750
CHAPS Fee: £35
Lender Booking fee: £195
Charcol Booking fee: £0
Valuation Fees: £195
Legal Fees: £145
Early Repayment Charges: £4.1/4.1/4.1/1.6/1.6% until 31/07/2017
|
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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|
Fixed Rate Mortgage | 4.15% Fixed until 31/08/2017 - 80%) | 5.64% Variable for term | 4.40% APR | 5/4/3/2/1% until 31/08/2017 | ||
Mortgage DetailsProduct Name: 5 Year 4.15% Fixed
Product Description: 4.15% Fixed until 31/08/2017
Mortgage Type: Fixed Rate Mortgage
Initial Rate/Duration: 4.15% Fixed until 31/08/2017 - 80%)
Subsequent Rate/Duration: 5.64% Variable for term
The overall cost for comparison: 4.40% APR
Special Deal: Free Valuation (Property value up to £1m). Free Legal Service for Remortgage
FeesLenders arrangement fee: £695
CHAPS Fee: £25
Lender Booking fee: £195
Charcol Booking fee: £0
Valuation Fees: £0
Legal Fees: £117
Early Repayment Charges: £5/4/3/2/1% until 31/08/2017
|
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
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