Picking a mortgage from a best buy table alone, is a bit like spending thousands of pounds on a pair of shoes without getting your feet measured by a professional. The table below can be a helpful starting point, but don't make the mistake of thinking they are a substitute for a broker's expert, individually-tailored analysis of the market.


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Fixed Rate Mortgages

Mortgages listed are available for House Purchases, Remortgages and First Time Buyers, they do not have any restrictions and are available to the general public.

2 year purchase

ProviderProductRate on which initial payments are basedCalculation applied to Early Redemption ChargeFees payable on application or completion (based on £150k if %)Maximum LTV % Apply
HSBC2yr 2.24% Fixed LTV 60% Special Direct2.242/1%199960
Santander UK plc2yr 2.35% Fixed LTV 60% Direct2.353%199560
Market Harborough Building Society2yr 2.69% Fixed LTV 75% Direct Only2.693%159575
Progressive Building Society2yr 2.69% Fixed FTB LTV 50%2.693%49550
Bank of Ireland (NI)2yr 2.78% Fixed BBR LTV 65% Direct2.783%79965
Britannia2yr 2.79% Fxd LTV 60% Direct2.792/1%149960
Chelsea Building Society2yr 2.79% Fixed LTV 70% Direct2.793%189570
Cumberland2yr 2.79% Fixed H/P LTV 75%2.793%69975
Mansfield2yr 2.79% Fixed LTV 75%2.792%149975
Principality Building Society2yr 2.79% Fixed LTV 75% Direct2.793%99975

5 year purchase

ProviderProductRate on which initial payments are basedCalculation applied to Early Redemption ChargeFees payable on application or completion (based on £150k if %)Maximum LTV % Apply
Chelsea Building Society5yr 3.19% Fixed LTV 70% Direct3.195/5/5/4/3%149570
First Direct5yr 3.24% Fixed LTV 65% Ltd Edition Direct3.243/2/2/2/2%199965
Britannia5yr 3.39% Fxd LTV 75% Option 1 Direct3.395/4/3/2/1%99975
The Co-operative BankFlexible 5yr 3.39% Fixed LTV 75% Direct3.395/4/3/2/1%99975
Yorkshire Building SocietyFlexi 5yr 3.39% Fixed LTV 75% Direct3.395/5/5/4/3%99575
Norwich & Peterborough B.Soc.5yr 3.44% Fxd LTV 75% Direct3.445/5/5/4/3%79575
Bank of Ireland (NI)5yr 3.49% Fixed BBR LTV 75% Direct3.495%79975
Barnsley5yr 3.49% Fixed LTV 75% Direct3.495/5/5/4/3%37575
HSBC5yr 3.49% Fixed LTV 70% Direct3.495/4/3/2/1%59970
Cumberland5yr 3.53% Fixed FTB LTV 75%3.535/5/4/3/2%29975

2 year remortgage

ProviderProductRate on which initial payments are basedCalculation applied to Early Redemption ChargeFees payable on application or completion (based on £150k if %)Maximum LTV % Apply
HSBC2yr 2.24% Fixed LTV 60% Special Direct2.242/1%199960
Santander UK plc2yr 2.35% Fixed LTV 60% Direct2.353%199560
Market Harborough Building Society2yr 2.69% Fixed LTV 75% Direct Only2.693%159575
Bank of Ireland (NI)2yr 2.78% Fixed BBR LTV 65% Direct2.783%79965
Britannia2yr 2.79% Fxd LTV 60% Direct2.792/1%149960
Chelsea Building Society2yr 2.79% Fixed LTV 70% Direct2.793%189570
Cumberland2yr 2.79% Fixed R/M LTV 75% Local Area2.793%69975
Mansfield2yr 2.79% Fixed LTV 75%2.792%149975
Principality Building Society2yr 2.79% Fixed LTV 75% Direct2.793%99975
The Co-operative BankFlexible 2yr 2.79% Fixed LTV 60% Direct2.792/1%149960

5 year remortgage

ProviderProductRate on which initial payments are basedCalculation applied to Early Redemption ChargeFees payable on application or completion (based on £150k if %)Maximum LTV % Apply
Chelsea Building Society5yr 3.19% Fixed LTV 70% Direct3.195/5/5/4/3%149570
First Direct5yr 3.24% Fixed LTV 65% Ltd Edition Direct3.243/2/2/2/2%199965
Britannia5yr 3.39% Fxd LTV 75% Option 1 Direct3.395/4/3/2/1%99975
The Co-operative BankFlexible 5yr 3.39% Fixed LTV 75% Direct3.395/4/3/2/1%99975
Yorkshire Building SocietyFlexi 5yr 3.39% Fixed LTV 75% Direct3.395/5/5/4/3%99575
Norwich & Peterborough B.Soc.5yr 3.44% Fxd LTV 75% Direct3.445/5/5/4/3%79575
Bank of Ireland (NI)5yr 3.49% Fixed BBR LTV 75% Direct3.495%79975
Barnsley5yr 3.49% Fixed LTV 75% Direct3.495/5/5/4/3%37575
HSBC5yr 3.49% Fixed LTV 70% Direct3.495/4/3/2/1%59970
Cumberland5yr 3.53% Fixed R/M LTV 75%3.535/5/4/3/2%69975

Source: Defaqto


Tracker Mortgages

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Source: Defaqto