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Best mortgage deals

Many people begin their mortgage search by looking for the cheapest mortgage rates in the market, but it’s important to remember that low mortgage rates aren’t the whole story. These best mortgage rates give you an idea of the mortgage deals in the market, but aren’t necessarily the right mortgage for you, and may not be available to you.  A certain rate might look attractive, but it’s important to look at other factors like additional fees, conditions and the term of the loan that come along with it.

Give us a call today and speak to one of our completely impartial advisers who can talk you through the rates available to you.  You’ll get a friendly, impartial and tailored service.  They’ll even tell you if you’d get a better deal by bypassing Which? altogether, and going direct to other lenders. And best of all, an initial consultation is free.

Nationwide B.Soc
INITIAL RATE
1.64%
TYPE
TRACKER
TOTAL FEES
£20
APRC
3.4%
24 payments at £609.82
then 276 at
£757.76
SEE MORE
subsequent RATE
3.74%
INITIAL PERIOD
24
total amount payable over the term
£152,258
early repayment period
0m
initial payment
£609.82
subsequent payment
£757.76
Nottingham
INITIAL RATE
1.85%
TYPE
VARIABLE
TOTAL FEES
£30
APRC
4.9%
24 payments at £624.52
then 276 at
£895.66
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subsequent RATE
5.49%
INITIAL PERIOD
24
total amount payable over the term
£152,901
early repayment period
0m
initial payment
£624.52
subsequent payment
£895.66
Coventry
INITIAL RATE
1.60%
TYPE
TRACKER
TOTAL FEES
£507
APRC
3.9%
24 payments at £606.66
then 276 at
£796.73
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subsequent RATE
4.24%
INITIAL PERIOD
24
total amount payable over the term
£152,993
early repayment period
0m
initial payment
£606.66
subsequent payment
£796.73
Santander
INITIAL RATE
1.44%
TYPE
TRACKER
TOTAL FEES
£1,030
APRC
4.1%
24 payments at £595.69
then 276 at
£813.66
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subsequent RATE
4.49%
INITIAL PERIOD
24
total amount payable over the term
£153,132
early repayment period
0m
initial payment
£595.69
subsequent payment
£813.66
Leek United BS
INITIAL RATE
1.89%
TYPE
VARIABLE
TOTAL FEES
£723
APRC
1.9%
24 payments at £627.41
then 276 at
£627.41
SEE MORE
subsequent RATE
1.89%
INITIAL PERIOD
24
total amount payable over the term
£153,386
early repayment period
0m
initial payment
£627.41
subsequent payment
£627.41

This table is based on a property value of £250,000 and a mortgage of £150,000. This is calculated
on a capital repayment basis over 25 years.

Find out more about APRC and how it is calculated here. The rates table gives an indication of the best rates currently on the market available for both Fixed and Tracker Mortgages. However these may not reflect the best deal available for your individual circumstances.

We recommend that you speak to a Which? mortgage adviser by calling us on 0800 316 4071 – or request a call back. Our advisers look at every mortgage from every available lender, and because they’re paid a salary – not a sales commission – you can have confidence that you’ll receive truly impartial advice. We search direct and broker only deals, and if you could find a better rate by going direct we’ll let you know, even if it means bypassing us completely.

If you’re looking for more information on moving home, we’ve got lots of handy tips and tools, check out our step by step guide to moving home, or get an idea of what your repayments might be with our mortgage repayments calculator.

We’re here to help you

Contact Which? Mortgage Advisers free from a mobile or landline on 0800 316 4071

Or we’ll arrange to call you

Request a call back

Your home may be repossessed if you do not keep up repayments on your mortgage.

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