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A comprehensive range of mortgages from across the market.

Mortgage rates are constantly changing and there might be something better available now.

Call us free on 0800 470 1182 ^. or request an appointment online and you will be contacted within 15 minutes*

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our initial mortgage consultation is free. We will charge a fee between £399 and £999 that is payable on application. The amount we will charge is dependent on the amount of research and administration required. We reserve the right to charge a subsequent fee of £99 for each further application that may be required.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Purchases Only - 3.94% Fixed until 31/03/2023 3.94% 31/03/2023 4.24% 95% 4.23% (APRC) £0 Come and talk to us
Purchases Only - 3.94% Fixed until 31/03/2023
Initial Interest Rate Until Follow On Interest Rate
3.94% 31/03/2023 4.24%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
95% 4.23% (APRC) £0
Come and talk to us

Features:

Maximum loan: £250,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 3.94% and then on a variable rate of 4.24% for the remaining 20 years would require 59 monthly repayments of £747.45 then followed by 241 monthly payments of £767.21. The total amount repayable would be £229,480.16 including interest. The overall cost for comparison is 4.23% APRC representative.

Incentives:

No booking fee

No arrangement fee

Free basic valuation

Early repayment charges:
Tapered Early Repayment Charges: 5/5/4/3/2% until 31/03/2023.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Purchases Only - 2.39% Fixed until 31/05/2023 2.39% 31/05/2023 3.75% 90% 3.27% (APRC) £0 Come and talk to us
Purchases Only - 2.39% Fixed until 31/05/2023
Initial Interest Rate Until Follow On Interest Rate
2.39% 31/05/2023 3.75%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
90% 3.27% (APRC) £0
Come and talk to us

Features:

Maximum loan: £450,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 2.39% and then on a variable rate of 3.75% for the remaining 20 years would require 61 monthly repayments of £631.41 followed by 239 monthly payments of £713.34. The total amount repayable would be £209,234.27 including interest. The overall cost for comparison is 3.27% APRC representative.

Incentives:

No booking fee

No arrangement fee

Early repayment charges:
Tapered early repayment charges: 5/4/3/3/2% until 31/05/2023.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Purchases & Remortgages - 1.39% Fixed until 31/05/2020 1.39% 31/05/2020 3.94% 85% 3.61% (APRC) £900 Come and talk to us
Purchases & Remortgages - 1.39% Fixed until 31/05/2020
Initial Interest Rate Until Follow On Interest Rate
1.39% 31/05/2020 3.94%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
85% 3.61% (APRC) £900
Come and talk to us

Features:

Maximum loan: £400,000

Representative example:

A mortgage of £142,500.00 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.94% for the remaining 23 years would require 25 monthly repayments of £566.17 followed by 275 monthly payments of £736.63. The total amount repayable would be £217,151.50 including interest and fees (£900, Arrangement Fee). The overall cost for comparison is 3.61% APRC representative.

Incentives:

No booking fee

Free basic valuation

Free legals for remortgages

Early repayment charges:
Tapered early repayment charges: 2/1% until 31/05/2020.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Remortgages Only - 1.50% Fixed until 30/06/2020 1.5% 30/06/2020 3.99% 80% 3.65% (APRC) £999 Come and talk to us
Remortgages Only - 1.50% Fixed until 30/06/2020
Initial Interest Rate Until Follow On Interest Rate
1.5% 30/06/2020 3.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
80% 3.65% (APRC) £999
Come and talk to us

Features:

Maximum loan: £1,000,000

Representative example:

A mortgage of £142,500.00 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 3.99% for the remaining 23 years would require 26 monthly repayments of £573.90 followed by 274 monthly payments of £740.83. The total amount repayable would be £217,908.82 including interest and fees (£999, Arrangement fee). The overall cost for comparison is 3.64% APRC representative.

Incentives:

No booking fee

Free basic valuation

£250 Cashback

Early repayment charges:
Tapered early repayment charges: 1.75/0.8% until 30/06/2020.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Purchases Only - 1.92% Fixed until 31/07/2023 1.92% 31/07/2023 3.99% 75% 3.27% (APRC) £995 Come and talk to us
Purchases Only - 1.92% Fixed until 31/07/2023
Initial Interest Rate Until Follow On Interest Rate
1.92% 31/07/2023 3.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
75% 3.27% (APRC) £995
Come and talk to us

Features:

Maximum loan: £1,500,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 1.92% and then on a variable rate of 3.99% for the remaining 20 years would require 63 monthly repayments of £602.64 followed by 237 monthly repayments of £725.17. The total amount repayable would be £210,227.11 including interest and fees (£995, Arrangment fee). The overall cost for comparison is 3.27% APRC representative.

Incentives:

No booking fee

Free legals

£250 Cashback

Early repayment charges:
Tapered early repayment charges: 4/4/3/2/1% until 31/07/2023.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
BTL Purchases & Remortgages - 2.99% until 31/05/2020 2.99% 31/05/2020 4.99% 75% 4.93% (APRC) £1995 Come and talk to us
BTL Purchases & Remortgages - 2.99% until 31/05/2020
Initial Interest Rate Until Follow On Interest Rate
2.99% 31/05/2020 4.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
75% 4.93% (APRC) £1995
Come and talk to us

Features:

Maximum loan: £1,500,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 2 years at 2.99% and then on a variable rate of 4.99% for the remaining 23 years. This would require 25 monthly repayments of £360.03 then followed by 275 payments of £600.86. The total amount repayable would be £318,941.90 including interest and fees (£1,995, Arrangement fee). The overall cost for comparison is 4.93% APRC representative. You will still owe £142,500 at the end of the mortgage term. You will need to make separate arrangements to repay this. When comparing the payments on this mortgage with a repayment mortgage, remember to add any money that you may need to pay into a separate savings plan to build up a lump sum to repay this amount.

Incentives:

No booking fee

Free basic valuation

Early repayment charges:
Tapered early repayment charges: 3/2% until 31/05/2020.

Talk to us about mortgages

Call free on 0800 470 1182 ^ or click to contact us

Ask for advice from Reeds Rains

Last updated: 19th March 2018

Please note that the above products may not be suitable to your particular circumstances, and you may not be eligible for them. Please contact us for further details.

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