Mortgage Deals

Mortgage Deals & Offers

515 deals 13,513 comments
Skipton 7-year fixed rate mortgage 2.99%, 90% LTV, no fee
317°
Found 14th FebFound 14th Feb
Not many lenders offer seven-year fixed rate mortgages, they tend to be for two, five or 10 years. But if seven years is what you want Skipton is offering: A 7-year fixed rate a… Read more
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Anon3215th Feb

Were you already on a fix


Yes - we had just come to the end of a 5 year fixed and think that was just under 4%.
Actual rates are below. Its a decent deal overall but going from 3.99% to 7% at 90% LTV is too much of a jump for me.

7% until 31 May 2019,
then
7% until 31 May 2020,
then
7% until 31 May 2021,
then
6% until 31 May 2022,
then
5% until 31 May 2023,
then
4% until 31 May 2024,
then
3% until 31 May 2025
Original Poster Editor
Morrow0014th Feb

How long is this offer available for?


Always tricky to tell with mortgages. They don't tend to advertise deals for a length of time - they just update their rates every so often.
mart32113 h, 12 m ago

My 5 year fix is coming to an end in August. I have, 45k to pay off on …My 5 year fix is coming to an end in August. I have, 45k to pay off on property bought for 156k 5 years ago, now worth around 190k. Any suggestions about the beat route to go down. I've currently got hsbc 2.99% no fees deal.


HSBC offer some of the best rates out there. Whilst you should always check the market, as an existing customer, with a low LTV (<30%), and assuming you have no intention to move, I’d renew with HSBC on best rate available - you shouldn’t have to pay any Product Fee, and there’d be no legals or valuations required. Take a 5 year fix, and pay it all off in that time with over- payments - you won’t regret it, if you are in a position to overpay. Then boom! The house is all yours in 5yrs time!
Dragon3210 h, 30 m ago

We just added to our mortgage with Nation Wide a few days ago with 10 …We just added to our mortgage with Nation Wide a few days ago with 10 years fixed rate and I'm sure it was 2.69%?We were with them already though so don't know if that made a difference, but worth a check.


Were you already on a fix
Skipton BS three-year fixed rate mortgage 1.57%, 60% LTV, £995 fee
284°
Found 14th FebFound 14th Feb
Skipton has revamped its mortgage range and the standout product is as follows: Three-year fix at 1.57% Max loan-to-value (LTV) 60% £995 fee Other options include: Th… Read more
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ran123ran2 h, 53 m ago

Is it not worth paying the early redemption penalty and securing lower …Is it not worth paying the early redemption penalty and securing lower rate for next few years?Do some number crunching.


Only a year left, and it's £5000 to exit. Will have to let it run.
arjun31114th Feb

By the time my fixed rate ends (aug 2019) the rates will rise....just my …By the time my fixed rate ends (aug 2019) the rates will rise....just my luck. Currently stuck on a 3.29% deal which I locked myself on for 5 years, weeks later all rates dropped.


Is it not worth paying the early redemption penalty and securing lower rate for next few years?
Do some number crunching.
gotta do the number crunching alot of these big fee upfront mortgages are just to make the upfront interest rate as low as possible for advertising purposes.
often its advisable to go for the higher interest rate with no fee, a decent mortgage broker will advise best on this..
arjun3116 h, 58 m ago

By the time my fixed rate ends (aug 2019) the rates will rise....just my …By the time my fixed rate ends (aug 2019) the rates will rise....just my luck. Currently stuck on a 3.29% deal which I locked myself on for 5 years, weeks later all rates dropped.


Ouch...you have been very unlucky
arjun3113 h, 50 m ago

By the time my fixed rate ends (aug 2019) the rates will rise....just my …By the time my fixed rate ends (aug 2019) the rates will rise....just my luck. Currently stuck on a 3.29% deal which I locked myself on for 5 years, weeks later all rates dropped.


I feel your pain.
Santander two-year fixed mortgage at 1.09%, max LTV 75%, £1,499 fee
208°
Found 13th FebFound 13th Feb
In the market for a cheap two-year fix? Santander has this deal for you: Two-year fix at 1.09% Max LTV 75% £1,499 fee Online exclusive This deal is an “online exclusive”.… Read more
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sam197014th Feb

London & country...great brokers and used them for years...and they are …London & country...great brokers and used them for years...and they are free as they get their comission from the lender


They get commission from the lender so be wary that they aren't pushing a deal that benefits them more than you.

L&C advised my wife (then girlfriend) to take a crappy Northern rock 5yr fixed rate of 4% in 2011 (right when interest rates were at an historic all time low)

We tried them again two years ago when we were remortgaging just to cover as many bases as possible and I was able to find better deals than they came back with. Including simply remortgaging with our current provider.
Are these rates visible anywhere? I went through the app process to get an AIP but it still hasn't shown me the available rates anywhere, don't really want to do the full app with hard credit search without seeing the rate.
Why is everyone worrying about Brexit? Scaremongering. Once we get rid of those pesky foreigners and those remoaners either get behind Brexit or move to their beloved EU then we'll be great once again.... We'll be so rich we won't even need to borrow money for a mortage</sarcasm>

Seriously though, with Brexit hanging over us, I am very concerned about the housing market and the cost of borrowing going forward.
ran123ran7 h, 19 m ago

5 year fix with hsbc below, they also have 10 year fix at 60 % ltv 2.49% …5 year fix with hsbc below, they also have 10 year fix at 60 % ltv 2.49% no fees https://www.hotukdeals.com/deals/hsbc-remortgage-deals-fee-free-60-ltv-5-year-194-174-999-fee-2892632Not sure if i should fix for 5 years or 10. Lot of uncertainties about what impact of brexit will be.


I'm going for the 10 year 2.49% HSBC mortgage. Unsure about whether rates will stay low for a long time due to Brexit but figured that I don't mind paying £1100 a month instead of £1000 a month to have certainty for a decade.
sam19702 h, 16 m ago

London & country...great brokers and used them for years...and they are …London & country...great brokers and used them for years...and they are free as they get their comission from the lender


Thanks for that I actually looked at them this morning. Will give them a go
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HSBC remortgage deals fee free 60% LTV 5 year 1.94% (1.74% £999 fee)
382°
Found 11th FebFound 11th Feb
A fairly decent deal to remortgage with hsbc for those with the higher LTV, my base rate tracker had gone up to 1.99% and so with all the talk of rate rises I looked at fixing in m… Read more
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Original Poster
ran123ran1 h, 5 m ago

Cant see rates dropping, i think uk follows what happens in usa and their …Cant see rates dropping, i think uk follows what happens in usa and their rates are heading up, though not sure what if any brexit impact will be.


Yep my five year fix is lower than my lifetime tracker I’ve had 8 years, I’ve noticed hsbc have pulled all lifetime trackers, so it’s no wonder it was so simple to take the fix.. a fix unless you get lucky will always be cheaper long term
Cant see rates dropping, i think uk follows what happens in usa and their rates are heading up, though not sure what if any brexit impact will be.
Just gone for this - was on 1.79% tracker with HSBC, but it has a shoulder (so can't drop much further) and I was able to switch online in 5 minutes to this 1.74% deal. Thanks!
Is the valuation free?
whatyadoinsucka10 h, 29 m ago

The only downside if you overpay it’s a maximum 10% per annum (starting b …The only downside if you overpay it’s a maximum 10% per annum (starting balance) and then SVR is 3.9


Yes, we dont plan to overpay, but the 10% is more than what our budget would allow so ok with that but going ont a higher svr is a conncern but we could always switch to another product then and have 8 years left on mortgage at that point.
First Direct 10-year fixed mortgage 2.49%, no fee, up to 60% LTV
1135°
Found 29th JanFound 29th Jan
If you’ve got at least 40% deposit or equity and are keen to fix your mortgage rate for 10 years, First Direct has the following deal: 10-year fix at 2.49% Available up to 60%… Read more
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Hsbc are also offering 2.49 % for 10 year fix and no fees
djgomatt30th Jan

Haha. I've had this mortgage for 6months, you're correct, the application …Haha. I've had this mortgage for 6months, you're correct, the application process did involve speaking to somebody for about an hour while he quizzed me on every direct debit on my bank statement and listen to my explanation of the term I wanted, payment and why. I then had to go through this again when they dropped the rate by 0.5%Unlimited overpayments allowed if it hasn't been mentioned yet.


Oooh - unlimited overpayments. That may seal it for me - will give them a bell.
JezB30th Jan

So we bailed them all out because they were doing so well, then?


yes, the bail out was because the repackaged debts were backed by sub-prime mortgages but were sold deceptively under A+ credit ratings to other bansk and institutions. Insurers could cope with all the defaulting loans up to a limit, that's when the ultimate rescuer i.e. the tax payer enters the picture to bail out.

Banks and whoever matters in financial markets knew what was happening and what was coming but the whistle blowers are more than often labelled as 'project fear' or conspiracy theorists.

Unfortunately, financial system is too complex to understand for majority and when this majority doesnt understand it, they think probably no one does.
Original Poster Editor
commenter1430th Jan

2.39% with a £999 fee will surely be cheaper for the majority of people? …2.39% with a £999 fee will surely be cheaper for the majority of people? Not to mention you can usually roll the fee into the monthly payments, so it's not as if you need it upfront.


Rolling the fee into the monthly payments means you pay interest on it so it will cost you more overall. However it may suit some people who don't have the cash up front.
Original Poster Editor
Yesgo29th Jan

Very clear and concise description of 10 year fixed pros and cons. Heat …Very clear and concise description of 10 year fixed pros and cons. Heat just for that useful bit of information. Is there a mortgage comparison site or did you search for rates from banks individually? Reason I asked is I randomly found a site (wont mention its name as not sure if it’s allowed) which showed top 10 mortgage rates from different banks but when you search these mortgage deals direct from the banks’ websites, the rates and fees aren’t the same (typically higher from banks’ own websites). Just wondering if mortgage comparison sites are trust worthy? Your 2 cents would be greatly received. Thanks


There may be a difference in rates between those the banks offer direct and through broker/intermediary channels. I'd always advise going to a broker but mortgage comparison sites are definitely worth a look to see what's out there.

Also the rate/fee combo makes it tricky to declare a best buy or hot deal - if you have a big mortgage the rate is more important and the fee less so, if your mortgage is smaller the fee may play a bigger part. The key is doing the sums based on your individual figures/mortgage amount. Hope this helps.
M&S Bank. 90% LTV two-year fixed mortgage 2.09%, £995 fee, £1,000 cashback
349°
Found 26th JanFound 26th Jan
M&S Bank have launched its first mortgage range and is particularly aiming at first-time buyers needing a high loan-to-value (LTV), although there are also products for movers … Read more
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Please make it clear they operate a discriminatory policy of only considering UK citizens for their mortgage applications regardless of the individual's financial health, responsibility or creditworthiness.
No deal is better than a bad deal.
Excellent deal if you only have a 10% deposit.

Although since UK rates are historically low I would recommending a fix with a larger deposit, maybe 20%, fixing for a much longer period - 5 or 10 years. Depends on your individual circumstances though I guess.
Edited by: "davewave" 26th Jan
Can I make overpayments?
Yes, you can make overpayments of up to 10% of your mortgage balance in each year of the fixed rate period, without incurring an early repayment charge. If you exceed your annual overpayment allowance, an early repayment charge will be charged on the amount you have repaid above the 10% allowance. At the end of the fixed rate period, you are able to make unlimited overpayments.
Any early repayment charge applicable will be calculated based upon the percentage charge at the time of the overpayment as detailed within your European Standardised Information Sheet (ESIS) document.
Can I pay off the mortgage early?
If you fully repay your mortgage whilst you are in the fixed rate period you will incur an early repayment charge.
Details of the early repayment charge will be set out in your ESIS document.
Will I incur an exit fee?
No, we do not charge an exit fee.
Edited by: "scott2c" 26th Jan
Pure_Evil41 m ago

Danske do a 95% LTV and give you up to £1500 back in cash if you take 150k …Danske do a 95% LTV and give you up to £1500 back in cash if you take 150k mortgage at 2.48%. No fees.



2.48% is for their 86% to 90% LTV. For the 91% to 95%, the rate is 3.85%. On a 150k mortgage, it would cost you around £5,200 more interest than the M&S deal over the two years. It works out better for the 86% to 90% range.
Edited by: "Master.G" 26th Jan
Danske do a 95% LTV and give you up to £1500 back in cash if you take 150k mortgage at 3.85%. No fees.
Edited by: "Pure_Evil" 26th Jan
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10 Year Mortgages from TSB 2.34% fixed for ten years 60% LTV £995 fee or no fee but pay 2.44%. Appears its the same rate for first time buyers
405°
Found 24th JanFound 24th Jan
10 year fixed rate mortgages for moving home and first time buyers. A fixed rate mortgage means your mortgage payments stay the same during the fixed rate period so they're easier … Read more
Some investors are talking about 3 to 5 more of these "market correction" selloffs. When interest rates rise to 3 or 4 percent, markets will crash. All of this before 2020. Then, the recession...

Peter Schiff explains: youtube.com/wat…=3s
Edited by: "Zlorf" 7th Feb
Original Poster
Zlorf14 h, 48 m ago

Today's stock market crash is a symptom of the toxic derivative markets at …Today's stock market crash is a symptom of the toxic derivative markets at play behind the scenes. Usually, if you're seeing the stock market plunging like this, you see the bond markets rising as the money flies to safety. It hasn't gone into spot precious metals, bitcoin, or anything else. This is not normal.Is this the start of the loss of centralized control? Who knows. Please be very, very careful if you are thinking about a mortgage.


Its all i wanted was to extend my fix you think they'd want the money bit someone was saying about funding. The funny thing is they would not be lending anymore money. They still want to charge the fees. So in two years i will not be using tsb for my next mortgage deal! Tey're loss
Today's stock market crash is a symptom of the toxic derivative markets at play behind the scenes. Usually, if you're seeing the stock market plunging like this, you see the bond markets rising as the money flies to safety. It hasn't gone into spot precious metals, bitcoin, or anything else. This is not normal.

Is this the start of the loss of centralized control? Who knows. Please be very, very careful if you are thinking about a mortgage.
Babbler12 h, 16 m ago

Good for you!


It won't be good for the young ones if their parents don't prepare them.
ozzmosiz5 h, 17 m ago

My son is nearly 3. He already has 5% deposit on a house (at todays cost). …My son is nearly 3. He already has 5% deposit on a house (at todays cost). We (and family) gave him money in his JISA for the first 2 years as at such a young age he didn't need loads of crap toys he will never play with.My point is stop buying crud you don't need. If you have young ones, prepare them for the future, because it's going to get ugly


Good for you!
Yorkshire building society two-year fixed rate mortgage 3.29%, 95% LTV, £995 fee, £500 cashback
33°
Found 11th JanFound 11th Jan
This is a great rate for someone with just 5% deposit/equity, i.e. needing a 95% LTV mortgage: Two-year fix at 3.29% £995 fee £500 cashback However, buyers who can scrap… Read more
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Lots of people think brexit will be a trigger, but there will be no brexit, sadly. So, yes, if only you can buy it now, don't hesitate. Although I hope you are right, that would help me to get one as well.
haa051816 m ago

Not that long... 1-2 years max


Supply and demand sunshine you really think supply will overtake demand in the next year or two your dreaming
haa05183 h, 58 m ago

Thank you. Really helpful. Need to get on the property ladder waiting for …Thank you. Really helpful. Need to get on the property ladder waiting for market to crash.


Be waiting a while then
MonkeyMan904 h, 4 m ago

It's really easy to do. There are loads of comparison sites put there who …It's really easy to do. There are loads of comparison sites put there who will show you the best deals. Most people remortgage every 2 3 or 5 years depending on length of fixed term. It's just as easy to insure your car than it is to remortgage. I recently remortgaged for a better fixed rate and it took about 3 minutes


Thank you. Really helpful. Need to get on the property ladder waiting for market to crash.
Yorkshire building society two-year fixed rate mortgage 1.82%, 90% LTV, £995 fee, £250 cashback
255°
Found 11th JanFound 11th Jan
This is the best rate I can currently find for someone with 10% deposit/equity, i.e. needing a 90% LTV mortgage: Two-year fix at 1.82% £995 fee £250 cashback The next be… Read more
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Went for a 5year fix at 1.99% for a 10 year with an LTV of 26% no fees with First Direct what a slog , been many months only handed the signed mortgage and deeds to solicitor on Wednesday. Can't imagine what it would be like with going for a 100%!
Edited by: "morrig" 12th Jan
lastjunkie56 m ago

less than 10 years to forget our lessons.looking forward to the impending …less than 10 years to forget our lessons.looking forward to the impending pop & crash.....


Stricter lending criteria today I believe
Shard56 m ago

You can get 100% mortgages now again


less than 10 years to forget our lessons.

looking forward to the impending pop & crash.....
lastjunkie3 m ago

i thought we were moving away from 10% mortgages?


You can get 100% mortgages now again
You can't change it unless you want to pay some fees (1-2% of the mortgage in the last year). If you remortgage then the new mortgage provider will pay off your current mortgage when the fixed therm will finish. You can sort it out normally within 3 months before the end of your fixed period as most banks gives 3 moths validity for thier remortgages offers but you can find some places where that offer is valid for 6 months so you could start dealing with it 6 months before your fixed runs out.
Barclays 2-year fixed rate mortgage 1.28%, £999 fee, up to 50% LTV
84°
Found 3rd JanFound 3rd Jan
Barclays has revamped its mortgage deal and is now offering the following: Two-year fixed rate at 1.28% £999 fee Available to both purchasers and remortgagers with 50% depos… Read more
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Not voted either way, but whether you would save with this low rate 2 year deal with £999 fee would depend on the amount borrowing. Just checked on HSBC and they are still doing their 5 year fixed fee saver for 60% LTV at 1.99%.

On £150k mortgage OP's deal would save you £201 over the first two years taking the fee into account. But if only borrowing £90k you would pay back £279 more on OP's deal compared to HSBC, plus with 5 year fixed you would still have a fairly low rate locked in for another 3 years, assuming interest rates start to creep up over the next 2 years.
Pvfc123456789017 h, 4 m ago

I’d expect a mortgage with no fee if I had a 50% deposit!£999 fee on a 2 ye …I’d expect a mortgage with no fee if I had a 50% deposit!£999 fee on a 2 year fixed mortgage is adding another £41 pm into your repayments!I got a 2.0%apr rate on a 5 year deal with no fee,Granted I had 35%LTV mortgage but still £999 is a ridiculous fee on a 2 year deal.


Agreed IF there are other mortgage deals available at same interest rate with no fees....not sure if is or not haven't looked, but I thought from recollection there were 2 year deals at 0.98% if you had 50%+ equity.

If no fee deals are at a higher interest rate then this may actually be the cheaper option.
I’d expect a mortgage with no fee if I had a 50% deposit!
£999 fee on a 2 year fixed mortgage is adding another £41 pm into your repayments!
I got a 2.0%apr rate on a 5 year deal with no fee,Granted I had 35%LTV mortgage but still £999 is a ridiculous fee on a 2 year deal.
Taking a 2 year mortgage right now will leave you walking straight into an interest rate minefield in 2 years - 5 years is the sweet spot, build up plenty of equity to offset the further interest rate hikes .... they're only going one way, up!!
First Direct, 10-year fixed mortgage, 2.69%, no fee
1411°
Found 19th Dec 2017Found 19th Dec 2017
Hey… another 10-year fixed rate mortgage for people who want to lock-in a rate for a decade to consider: First Direct is offering: 10-year fix at 2.69% No fee Max LTV 75% … Read more
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jazlabs20th Dec

Since when have lenders ever given a "reason" for rejecting you credit? …Since when have lenders ever given a "reason" for rejecting you credit? They have their criteria, you fail to meet it. There are plenty of articles about checking and improving your credit score; start there. If that's all OK, then you probably just fail the affordability check - try to borrow less by increasing your LTV and reduce your outgoings.


Nothing to do with credit score, couldn't get any higher, nothing about affordability, never missed a DD in the years of having a mortgage and no other credit etc plus this was a remortgage.

There doesn't have to be a reason given you are quite correct, and FD will have their own additional criteria however sometimes it feels illogical
581d11 h, 51 m ago

Firstly, I bank with First direct, they are indeed a fantastic bank....at …Firstly, I bank with First direct, they are indeed a fantastic bank....at current and savings account banking may I add. Secondly, my credit score is fine, you've no need to worry. 400k mortgage application never actually declined with first direct, but the continual, 'can you get more deposit' and do this, do that, 3 weeks later I gave up. Had mortgage with Halifax 3 days later. FD are notoriously and ridiculously picky with their mortgages.


I don't worry about your credit score. I just tried to find a reason, because sometimes people create quickly opinion without finding true. Maybe LTV was an issue. I had £190,000 loan on £400,000 property and maybe it is why i didn't have an issue, but anyway it is good that everything had a good end with your mortgage, even if it is not first direct.
bobziz1 h, 31 m ago

Nope, not me. Depends how well you think the economy will do in that …Nope, not me. Depends how well you think the economy will do in that period. Base rates will need to go up 6 times before you would gain, and I think we'll be waiting a long time for that to happen.


I tend to agree, but many analysts don't. There are predictions of multiple rate increases in 2018 alone, rising up to 1.25%. However, in the wake of Brexit, I see the undeniable uncertainty to stall the economy for at least 10 years.
hotyoda12 h, 49 m ago

Right I'm gonna pick the brains of the great and frifty HUKD …Right I'm gonna pick the brains of the great and frifty HUKD community....So if you had a 0.75% plus base for next 14 years would you fix at this for 10 years? Been toying with the idea of fixing for a year or so but really am in five minds.........


Nope, not me. Depends how well you think the economy will do in that period. Base rates will need to go up 6 times before you would gain, and I think we'll be waiting a long time for that to happen.
huhunter16 h, 35 m ago

I remortgaged in July at 2.5%. After I filled application, 30 minutes …I remortgaged in July at 2.5%. After I filled application, 30 minutes later they asked me to scan payslips and work contract and other bank statement. 6 hours later I already had successful decision. In November I took £30,000 loan for house extension at 3%. After I filled application, they told me that my application was accepted. After I agreed to term an conditions, money was immediately transferred to my account, so don't blame first direct as it is fantastic bank. Rather look at your credit score - I usually use experian and before I will apply for lian/mortgage I always keep it at minimum 950.


Firstly, I bank with First direct, they are indeed a fantastic bank....at current and savings account banking may I add. Secondly, my credit score is fine, you've no need to worry. 400k mortgage application never actually declined with first direct, but the continual, 'can you get more deposit' and do this, do that, 3 weeks later I gave up. Had mortgage with Halifax 3 days later. FD are notoriously and ridiculously picky with their mortgages.
TSB 10-year fix mortgage 2.34%, maximum LTV 60%
684°Expired
Found 15th Dec 2017Found 15th Dec 2017
If you are keen to fix your mortgage rate for a decade, TSB’s 10-year fix is worth considering. The deal is as follows: Mortgage rate fixed at 2.34% for 10 years (up to 31 … Read more
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It annoys me that with a phone you can recontract. But on a mortgage you can't i offered TSB that i would renew my mortgage as three years left of a five year fix. I would take this deal and i'm locked in for ten years. You think for the money they would do it.

Nope you will still have to pay exit fees! Yup i understand if i wanted to leave. But in a way i'm extending my mortgage. Nope you habe to pay the fees.

Ok fair enough i will pay my three years and will not be using TSB once when the deal ends! Seems silly
Tiger7865 h, 23 m ago

Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with …Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with that....


unless rates creep up after 4 years and then you may be stuck paying a lot after a 5 year fix ends!
Tiger7864 h, 8 m ago

Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with …Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with that....


Well technically you can depends on interest rates at the end of the 5 year deal and how much money you still have on your mortgage and how long it will take you to pay the rest off.
shame about max 60% LTV (for me, atleast)
Tiger7861 h, 34 m ago

Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with …Im gonna go with nationwide 5 years fix for 1.76% cant go wrong with that....


I can't find that deal, is it for first time buyers only? We are currently remortgaging from another lender with 56% LTV but it doesn't give it as an option on their website for me.
Tesco Bank, 95% LTV mortgage, two-year fix at 3.94%, zero fee, Clubcard points
-266°Expired
Found 8th Dec 2017Found 8th Dec 2017
Another 95% mortgage for people with just 5% deposit or equity. Tesco Bank has a two-year fix at 3.94%, fixed for two years. There’s no fee and you get free valuation. The deal i… Read more
Editor Get dealGet deal
satty838 h, 21 m ago

You might want to check terms. As I'm sure if you reject the offer any …You might want to check terms. As I'm sure if you reject the offer any fees included as part of remortgage I.e. valuation or any part of any conveyancing work done todate becomes payable. Also if you reject and reapply in April how long will you have to get your new offer in place prior to old product ends



When I was taking my mortgage I had an offer from my bank (Natwest), another one from Barclays and ended up with my broker offer from Halifax. Nothing will be made by the bank (like valuation) unless I accept the offer. All I want is to secure a good rate. From this what I know they will automatically valuate my house + amount I want to borrow = LTV% and offer can be made. Then if I accept it they will start the process (valuation etc).

It looked that way when I was applying for my mortgage, the initial value of my house (to calculate LTV% and get rates) was the price I wanted to pay for it and then when I accepted it they have done valuation just to confirm my house is worth as much as I want to borrow.

Am I wrong at any point ?
ms842 h, 22 m ago

Bank gonna issue me an offer in January for remortgage valid for six …Bank gonna issue me an offer in January for remortgage valid for six months. I can take it or leave it, they don't care unless I accept it. In april/may I will check the market for a better option, if not found I'm gonna accept the one I already have. That is the plan PS: as it will be my first remortgage I might be wrong about the way it works but it should be pretty straightforward imo


You might want to check terms. As I'm sure if you reject the offer any fees included as part of remortgage I.e. valuation or any part of any conveyancing work done todate becomes payable. Also if you reject and reapply in April how long will you have to get your new offer in place prior to old product ends
Anon326 h, 41 m ago

As in pay the mortgage off and then take a new mortgage! There is a big …As in pay the mortgage off and then take a new mortgage! There is a big problem with that though! Generally you need the new mortgage to pay off the existing! If you apply for a new one they will know you have the existing. Unless you have a spare hundred grand sitting around. Mortgages are not structured like credit cards where you can take on a new one and then decide to pay off the existing one. The banks will pay the solicister not you. And on a mortgage application they will know you have an existing so will not lend you the money unless you remortgage. Your best bet is to pay off the mortgage quicker by making over payments if you can. No interest is due on extra payments you have made


Bank gonna issue me an offer in January for remortgage valid for six months. I can take it or leave it, they don't care unless I accept it. In april/may I will check the market for a better option, if not found I'm gonna accept the one I already have. That is the plan

PS: as it will be my first remortgage I might be wrong about the way it works but it should be pretty straightforward imo
Edited by: "ms84" 9th Dec 2017
ms848th Dec

Thanks for the info, good to know about FD too Would be a bit …Thanks for the info, good to know about FD too Would be a bit difficult to remortgage with 95% LTV I was looking at their other options


As in pay the mortgage off and then take a new mortgage! There is a big problem with that though! Generally you need the new mortgage to pay off the existing! If you apply for a new one they will know you have the existing. Unless you have a spare hundred grand sitting around.

Mortgages are not structured like credit cards where you can take on a new one and then decide to pay off the existing one. The banks will pay the solicister not you. And on a mortgage application they will know you have an existing so will not lend you the money unless you remortgage. Your best bet is to pay off the mortgage quicker by making over payments if you can. No interest is due on extra payments you have made
Thanks for the info, good to know about FD too

steventrafford4 h, 34 m ago

Deal says not for remortgage ??


Would be a bit difficult to remortgage with 95% LTV I was looking at their other options
Edited by: "ms84" 8th Dec 2017
Post Office 95% LTV mortgage, five-year fix at 4.14%, no fee
-245°Expired
Found 8th Dec 2017Found 8th Dec 2017
Another 95% mortgage for people with just 5% deposit or equity. The Post Office has a five-year fix at 4.14%, fixed for five years. There’s no fee and you get free valuation p… Read more
Editor Get dealGet deal
Personally, rather than fix for so long at such a high rate, I'd go with a cheaper 2y fix, pay down some debt over that time, hope house prices go up and remortgage at a lower LTV and better rate after 2 years.
Yorkshire BS two-year fixed mortgage 3.39%, up to 95% LTV, £995 fee but £500 cashback
-81°Expired
Found 1st Dec 2017Found 1st Dec 2017
If you’re looking to buy your first home but just have a 5% deposit, Yorkshire building society has some pretty decent deals. The headline grabber is: Two-year fix at 3.39%… Read more
Editor Get dealGet deal
95% Ltv hence higher interest rate
oldskoolpug25 m ago

Why people voting cold?


Because they don't know interest rate has gone up
Why people voting cold?
£100 cashback for existing mortgage members @nationwide
335°Expired
Found 25th Nov 2017Found 25th Nov 2017
Had a surprise £100 from nationwide after switching to cheaper mortgage deal before interest rate increase. Double win for me 8) Incentives: £100 cashback for existing mortgage… Read more
dimon721 h, 58 m ago

Tim, thanks a lot! Managed to get that deal from NW directly by applying …Tim, thanks a lot! Managed to get that deal from NW directly by applying online yesterday. DIP approved, waiting valuation appointment. How long did NW to book a valuation for you from getting a descission?



Your welcome buddy. Erm about a week, NW just subcontract it to the valuer.

What type of property are you buying? How much deposit/total amount borrowed etc.

That's fabulous you got the deal, I have benefitted greatly from this site over the years so it's nice to give something back.
timmyboy1477 h, 9 m ago

Any luck with the deal?


Tim, thanks a lot! Managed to get that deal from NW directly by applying online yesterday. DIP approved, waiting valuation appointment. How long did NW to book a valuation for you from getting a descission?
dimon727th Dec

Where did you find this deal please? I can only see with fees on their …Where did you find this deal please? I can only see with fees on their site.


Any luck with the deal?
32670294-RNwK5.jpg
I paid £299 for broker to get that deal but i think just ring them there is a good chance it's still active and don't need to go through a broker
Sainsburys Bank 2-year fixed rate mortgage 1.39%, up to 80% LTV + up to £400 cashback on groceries over two years
290°Expired
Found 24th Nov 2017Found 24th Nov 2017
Are you a first-time buyer or home mover with 20% deposit/equity? If so, this deal from Sainsburys is pretty good: Two-year fixed rate at 1.39%, fee £745. Free valuation fo… Read more
Editor Get dealGet deal
satty833 h, 19 m ago

Have to agree with this. I too tried to remortgage with sainsbury so slow …Have to agree with this. I too tried to remortgage with sainsbury so slow long phone conversations took 1hr and then said they have to book me with an advisor and wait was 2wk by which time they withdrew the product. Complete waste of time. Have now remortgaged with atom which was much easier and simple and lucky rate was secured upon submission. I also recommend YBS who I am leaving to go to atom. They were excellent and again very efficient. Only reason I'm leaving is because of the excellent rate from atom otherwise I would have switched to the ybs offset but will do that in 2yr now.


Spot on. I was very happy with Halifax, who I was with for 4 years. But got much better rate with YBS. Unfortunately it doesn't pay to be loyal these days. And as for Sainsbury's Bank....they seriously need to take a long hard look at how they sell their mortgages!
JPS12 h, 2 m ago

DO NOT, I REPEAT, DO NOT GO WITH SAINSBURY'S BANK! Absolutely awful to …DO NOT, I REPEAT, DO NOT GO WITH SAINSBURY'S BANK! Absolutely awful to deal with when trying to get a mortgage. I have never been messed around so much in my life. I ended up going with Yorkshire Building Society and it was a quick and easy online process. Sainsbury's do everything via the phone (including the application, which took 90 mins) and post and it's just awful. You have to send every single document in the post, every time. They provide tiny little pre-paid envelopes which you can't fit any documents in. YBS just let you e-mail everything to them and the application is online.You have been warned! 1.2/10 on Trustpilot says it all


Have to agree with this. I too tried to remortgage with sainsbury so slow long phone conversations took 1hr and then said they have to book me with an advisor and wait was 2wk by which time they withdrew the product. Complete waste of time. Have now remortgaged with atom which was much easier and simple and lucky rate was secured upon submission.

I also recommend YBS who I am leaving to go to atom. They were excellent and again very efficient. Only reason I'm leaving is because of the excellent rate from atom otherwise I would have switched to the ybs offset but will do that in 2yr now.
JPS7 h, 50 m ago

Plus people should really be fixing for longer than 2 years now with …Plus people should really be fixing for longer than 2 years now with interest rates set to only go one way.


Not necessarily, I personally don't want to fix for much longer than this because I'm moving in two years so gives me the flexibility of moving penalty free
Have a car loan with them and they were excellent start to finish ?
BargainBros4 h, 36 m ago

Sainsbury's will own your house MADNESS


Errr.. that's how mortgages work..
Barclays 2-year fixed mortgage 2.09%, £399, max LTV 90%
269°Expired
Found 22nd Nov 2017Found 22nd Nov 2017
Barclays has revamped its mortgage range is launching a load of new products available from 24 November. The stand out ones are at 90% LTV – so, if you have a 10% deposit. … Read more
Editor Get dealGet deal
For 90% LTV it seems good.
Is that good? We are only paying 1.59%. I know rates went up a quarter point, but even so.
You might need to consider a valuation fee as well within comparison as not all companies charge one.
Skipton 7-year fixed rate mortgage 2.40%
292°Expired
Found 21st Nov 2017Found 21st Nov 2017
Not many lenders offer seven-year fixed rate mortgages, they tend to be for five or 10 years. But if seven years is what you want Skipton has a couple of products: At 75% LTV 2.… Read more
Editor Get dealGet deal
That 85% LTV is a really good deal.
Voted hot as well. That will teach me..
Where on the website is this?
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