Compare mortgage rates today: from 4.08% at 11 UK lenders | NewHomeSearch
Tool · Mortgage rates
Compare mortgage rates today. From the lenders themselves.
676 deals from 11 UK lenders, read from their own sites on 12 November 2026. Your monthly payment, the true cost after fees and the APRC, worked out for your price and deposit, with only the deals that lend on new-build homes.
676 deals from 11 lenders, read last night Every rate links the lender’s own page No broker, no commission, no paid placings
51 deals from 6 lenders
A £765,000 mortgage on a £850,000 home (90% loan to value), repaid over 30 years, fees paid at completion.
Sorted by the true cost over each initial period, lowest first, each length of deal apart; not a recommendation. Rates as each lender published them, read on 12 Nov 2026.
2-year deals
2-year tracker
Up to 90% LTV
No product fee
Santander 2 year tracker rate
Monthly payment
Where this comes fromMethodThe repayment on £765,000 at 4.95% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured4.95% tracker for 2 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.40%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £0 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedNone: repay early or switch without a chargeAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
2 year tracker rateVF97V
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.41%. Total amount payable over the full term £1,710,320, including fees of £0 (the fees the lender states). Repayments: 24 months of £4,083 at 4.95% (tracker), then 336 months of £4,799 at 6.50% (variable). Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 4.95% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured4.95% tracker for 2 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.40%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 4.95% (tracker, 2 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £0 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedNone: repay early or switch without a chargeAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
2 year tracker rate New Build ExclusiveQ534V
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.41%. Total amount payable over the full term £1,710,320, including fees of £0 (the fees the lender states). Repayments: 24 months of £4,083 at 4.95% (tracker), then 336 months of £4,799 at 6.50% (variable). Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Nationwide Building Society 2 Year Base Rate Tracker
Monthly payment
Where this comes fromMethodThe repayment on £765,000 at 4.94% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 4.94% (tracker, 2 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured4.94% tracker for 2 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.60%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 4.94% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 4.94% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Tracks
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedBank Rate + 0.94%As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 4.94% (tracker, 2 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £999
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedNone: repay early or switch without a chargeAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
Unlimited, with no early repayment charge
Product name
2 Year Base Rate Tracker
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.63%. Total amount payable over the full term £1,749,887, including fees of £999 (the fees the lender states). Repayments: 24 months of £4,079 at 4.94% (tracker), then 336 months of £4,914 at 6.74% (variable). Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 4.97% over 30 years, shown to the pound.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years)As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Initial rate
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured4.97% tracker for 2 yearsAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Rate after the deal ends
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.99%); that rate can change.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedArrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.Arrangement fee £995 · Valuation fee £0 · CHAPS fee £30
Early repayment charges
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured0.5% of the amount repaid early in year 1, then 0.25% in year 2; the deal ends 28 Feb 2029As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Overpayments
20% of outstanding mortgage balance each year without extra charge
Product name
2 year tracker rateTO364526
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.85%. Total amount payable over the full term £1,791,332, including fees of £1,025 (the fees the lender states). Repayments: 24 months of £4,093 at 4.97% (tracker), then 336 months of £5,036 at 6.99% (variable). Early repayment charges apply. Rates as NatWest published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Nationwide Building Society 2 Year Base Rate Tracker
Monthly payment
Where this comes fromMethodThe repayment on £765,000 at 5.19% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.19% tracker for 2 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.60%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Tracks
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedBank Rate + 1.19%As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.19% (tracker, 2 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £0
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedNone: repay early or switch without a chargeAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
Unlimited, with no early repayment charge
Product name
2 Year Base Rate Tracker
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.66%. Total amount payable over the full term £1,753,941, including fees of £0 (the fees the lender states). Repayments: 24 months of £4,196 at 5.19% (tracker), then 336 months of £4,920 at 6.74% (variable). Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.20% over 30 years, shown to the pound.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.2% (tracker, 2 years)As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Initial rate
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured5.20% tracker for 2 yearsAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.2% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Cost over 2 years
Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.2% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Rate after the deal ends
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.99%); that rate can change.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.2% (tracker, 2 years); then 6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedArrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.Arrangement fee £0 · Valuation fee £0 · CHAPS fee £30
Early repayment charges
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured0.5% of the amount repaid early in year 1, then 0.25% in year 2; the deal ends 28 Feb 2029As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Overpayments
20% of outstanding mortgage balance each year without extra charge
Product name
2 year tracker rateTO364527
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.88%. Total amount payable over the full term £1,795,033, including fees of £30 (the fees the lender states). Repayments: 24 months of £4,201 at 5.20% (tracker), then 336 months of £5,042 at 6.99% (variable). Early repayment charges apply. Rates as NatWest published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.41% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.41% fixed for 3 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.60%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £999
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured3% of the amount repaid early in year 1, then 2% in year 2, then 1% in year 3As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
10% of the original loan
Product name
3 Year Fixed Rate
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.60%. Total amount payable over the full term £1,746,663, including fees of £999 (the fees the lender states). Repayments: 36 months of £4,300 at 5.41% (fixed), then 324 months of £4,910 at 6.74% (variable). Early repayment charges apply. Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.42% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured5.42% fixed for 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.40%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less the £250 cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedUp to 2% of the amount repaid early, within 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
3 year fixed rateEO34H
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.42%. Total amount payable over the full term £1,710,440, including fees of £999 (the fees the lender states). Repayments: 36 months of £4,305 at 5.42% (fixed), then 324 months of £4,798 at 6.50% (variable). Early repayment charges apply. Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.42% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured5.42% fixed for 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.40%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less the £250 cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.42% (fixed rate, 3 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedUp to 2% of the amount repaid early, within 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
3 year fixed rate New Build ExclusiveQO84H
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.42%. Total amount payable over the full term £1,710,440, including fees of £999 (the fees the lender states). Repayments: 36 months of £4,305 at 5.42% (fixed), then 324 months of £4,798 at 6.50% (variable). Early repayment charges apply. Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.41% over 30 years, shown to the pound.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years)As Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Initial rate
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs captured5.41% fixed for 3 yearsAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Coventry Building Society’s own APRC for its example is 6.40%.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.54%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.54%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs captured6.54%, the lender’s variable rate todayAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.54%); that rate can change.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.41% (fixed rate, 3 years); then 6.54%, the lender’s variable rate todayAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedCharges apply; Coventry Building Society’s page sets out how much. The deal ends 30 Apr 2030As Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Overpayments
-Not available: not on the rates page
Product name
5.41% Fixed to 30.04.30FLN63
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.45%. Total amount payable over the full term £1,716,207, including fees of £999 (the fees the lender states). Repayments: 36 months of £4,300 at 5.41% (fixed), then 324 months of £4,816 at 6.54% (variable). Early repayment charges apply. Rates as Coventry Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.63% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.63% (fixed rate, 3 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.63% fixed for 3 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.60%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.63% (fixed rate, 3 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.63% (fixed rate, 3 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.63% (fixed rate, 3 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £0
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured3% of the amount repaid early in year 1, then 2% in year 2, then 1% in year 3As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
10% of the original loan
Product name
3 Year Fixed Rate
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.65%. Total amount payable over the full term £1,752,168, including fees of £0 (the fees the lender states). Repayments: 36 months of £4,406 at 5.63% (fixed), then 324 months of £4,918 at 6.74% (variable). Early repayment charges apply. Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.62% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.62% (fixed rate, 3 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured5.62% fixed for 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.50%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.62% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 3 years
Where this comes fromMethod36 monthly payments, plus the stated fees, less the £250 cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.62% (fixed rate, 3 years); then 6.5%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 3 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.62% (fixed rate, 3 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £0; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £0 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedUp to 2% of the amount repaid early, within 3 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
3 year fixed rateEO35H
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.46%. Total amount payable over the full term £1,715,301, including fees of £0 (the fees the lender states). Repayments: 36 months of £4,401 at 5.62% (fixed), then 324 months of £4,805 at 6.50% (variable). Early repayment charges apply. Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.24% over 30 years, shown to the pound.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.24% (fixed rate, 5 years)As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Initial rate
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured5.24% fixed for 5 yearsAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.24% (fixed rate, 5 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.24% (fixed rate, 5 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Rate after the deal ends
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.99%); that rate can change.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.24% (fixed rate, 5 years); then 6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedArrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.Arrangement fee £995 · Valuation fee £0 · CHAPS fee £30
Early repayment charges
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured4.5% of the amount repaid early in year 1, then 4.25% in year 2, then 4% in year 3, then 2.5% in year 4, then 1% in year 5; the deal ends 29 Feb 2032As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Overpayments
20% of outstanding mortgage balance each year without extra charge
Product name
5 year fixed rateFO393952
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.50%. Total amount payable over the full term £1,747,368, including fees of £1,025 (the fees the lender states). Repayments: 60 months of £4,220 at 5.24% (fixed), then 300 months of £4,977 at 6.99% (variable). Early repayment charges apply. Rates as NatWest published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.29% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.29% (fixed rate, 5 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.29% fixed for 5 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.30%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.29% (fixed rate, 5 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.29% (fixed rate, 5 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.29% (fixed rate, 5 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £999
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5% of the amount repaid early in year 1, then 4% in year 2, then 3% in year 3, then 2% in year 4, then 1% in year 5As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
10% of the original loan
Product name
5 Year Fixed Rate
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.36%. Total amount payable over the full term £1,716,224, including fees of £999 (the fees the lender states). Repayments: 60 months of £4,243 at 5.29% (fixed), then 300 months of £4,869 at 6.74% (variable). Early repayment charges apply. Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.28% over 30 years, shown to the pound.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.28% (fixed rate, 5 years)As Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Initial rate
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs captured5.28% fixed for 5 yearsAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Coventry Building Society’s own APRC for its example is 6.10%.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.28% (fixed rate, 5 years); then 6.54%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.28% (fixed rate, 5 years); then 6.54%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs captured6.54%, the lender’s variable rate todayAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.54%); that rate can change.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedInitial rate 5.28% (fixed rate, 5 years); then 6.54%, the lender’s variable rate todayAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback: not statedAs Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceCoventry Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Coventry Building SocietyAs capturedCharges apply; Coventry Building Society’s page sets out how much. The deal ends 30 Apr 2032As Coventry Building Society publishes it for buying a home at up to 90% loan to value; check it with Coventry Building Society before you apply.
Overpayments
-Not available: not on the rates page
Product name
5.28% Fixed to 30.04.32FLN89
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.23%. Total amount payable over the full term £1,689,143, including fees of £999 (the fees the lender states). Repayments: 60 months of £4,239 at 5.28% (fixed), then 300 months of £4,779 at 6.54% (variable). Early repayment charges apply. Rates as Coventry Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.30% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured5.30% fixed for 5 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.30%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less the £250 cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedUp to 5% of the amount repaid early, within 5 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
5 year fixed rateLG79H
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.22%. Total amount payable over the full term £1,684,808, including fees of £999 (the fees the lender states). Repayments: 60 months of £4,248 at 5.30% (fixed), then 300 months of £4,763 at 6.50% (variable). Early repayment charges apply. Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.30% over 30 years, shown to the pound.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years)As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Initial rate
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured5.30% fixed for 5 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Santander’s own APRC for its example is 6.30%.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less the £250 cashback: what the initial period costs in all.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate today; Arrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Rate after the deal ends
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs captured6.50%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.50%); that rate can change.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedInitial rate 5.3% (fixed rate, 5 years); then 6.5%, the lender’s variable rate todayAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, chaps fee.SourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedArrangement fee £999; Valuation fee £0; Booking fee: not stated; CHAPS fee: not stated; Cashback £250As Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.Arrangement fee £999 · Valuation fee £0
Early repayment charges
Where this comes fromSourceSantander mortgage rates (the lender’s own page)ObservedLicencePublished by SantanderAs capturedUp to 5% of the amount repaid early, within 5 yearsAs Santander publishes it for buying a home at up to 90% loan to value; check it with Santander before you apply.
Overpayments
-Not available: not on the rates page
Product name
5 year fixed rate New Build ExclusiveQO93H
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.22%. Total amount payable over the full term £1,684,808, including fees of £999 (the fees the lender states). Repayments: 60 months of £4,248 at 5.30% (fixed), then 300 months of £4,763 at 6.50% (variable). Early repayment charges apply. Rates as Santander published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.34% over 30 years, shown to the pound.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.34% (fixed rate, 5 years)As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Initial rate
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured5.34% fixed for 5 yearsAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.34% (fixed rate, 5 years); then 6.99%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Cost over 5 years
Where this comes fromMethod60 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.34% (fixed rate, 5 years); then 6.99%, the lender’s variable rate today; Arrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Rate after the deal ends
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 5 years, repaid over the rest of the term at the lender’s variable rate today (6.99%); that rate can change.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 5.34% (fixed rate, 5 years); then 6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedArrangement fee £0; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.Arrangement fee £0 · Valuation fee £0 · CHAPS fee £30
Early repayment charges
Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured4.5% of the amount repaid early in year 1, then 4.25% in year 2, then 4% in year 3, then 2.5% in year 4, then 1% in year 5; the deal ends 29 Feb 2032As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
Overpayments
20% of outstanding mortgage balance each year without extra charge
Product name
5 year fixed rateFO393953
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.53%. Total amount payable over the full term £1,751,259, including fees of £30 (the fees the lender states). Repayments: 60 months of £4,267 at 5.34% (fixed), then 300 months of £4,984 at 6.99% (variable). Early repayment charges apply. Rates as NatWest published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.64% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.64% (fixed rate, 10 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.64% fixed for 10 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.20%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.64% (fixed rate, 10 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 10 years
Where this comes fromMethod120 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.64% (fixed rate, 10 years); then 6.74%, the lender’s variable rate today; Arrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 10 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.64% (fixed rate, 10 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £999; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £999
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6% of the amount repaid early in year 1, then 6% in year 2, then 6% in year 3, then 6% in year 4, then 6% in year 5, then 5% in year 6, then 4% in year 7, then 3% in year 8, then 2% in year 9, then 1% in year 10As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
10% of the original loan
Product name
10 Year Fixed Rate
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.20%. Total amount payable over the full term £1,686,265, including fees of £999 (the fees the lender states). Repayments: 120 months of £4,411 at 5.64% (fixed), then 240 months of £4,816 at 6.74% (variable). Early repayment charges apply. Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
Where this comes fromMethodThe repayment on £765,000 at 5.74% over 30 years, shown to the pound.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.74% (fixed rate, 10 years)As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Initial rate
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured5.74% fixed for 10 yearsAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
APRC
Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. Nationwide Building Society’s own APRC for its example is 6.20%.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.74% (fixed rate, 10 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Cost over 10 years
Where this comes fromMethod120 monthly payments, plus the stated fees, less the £500 cashback: what the initial period costs in all.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.74% (fixed rate, 10 years); then 6.74%, the lender’s variable rate today; Arrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Rate after the deal ends
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Monthly payment after the deal
Where this comes fromMethodWhat is still owed after 10 years, repaid over the rest of the term at the lender’s variable rate today (6.74%); that rate can change.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedInitial rate 5.74% (fixed rate, 10 years); then 6.74%, the lender’s variable rate todayAs Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Fees
Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee, valuation fee, chaps fee.SourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs capturedArrangement fee £0; Booking fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £500As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.Arrangement fee £0
Early repayment charges
Where this comes fromSourceNationwide Building Society mortgage rates (the lender’s own page)ObservedLicencePublished by Nationwide Building SocietyAs captured6% of the amount repaid early in year 1, then 6% in year 2, then 6% in year 3, then 6% in year 4, then 6% in year 5, then 5% in year 6, then 4% in year 7, then 3% in year 8, then 2% in year 9, then 1% in year 10As Nationwide Building Society publishes it for buying a home at up to 90% loan to value; check it with Nationwide Building Society before you apply.
Overpayments
10% of the original loan
Product name
10 Year Fixed Rate
For your case: A repayment mortgage of £765,000 over 30 years, APRC 6.26%. Total amount payable over the full term £1,694,291, including fees of £0 (the fees the lender states). Repayments: 120 months of £4,459 at 5.74% (fixed), then 240 months of £4,830 at 6.74% (variable). Early repayment charges apply. Rates as Nationwide Building Society published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
3 deals their lenders say are not for new-build homes are left out: every home on NewHomeSearch is a new build.
Left out: Barclays 2 Yr Fixed: the loan is above the £640,000 its page allows; Barclays 3 Yr Fixed: the loan is above the £640,000 its page allows; Barclays Green Home 2 Yr Fixed: the loan is above the £640,000 its page allows; Barclays 5 Yr Fixed: the loan is above the £640,000 its page allows; Barclays Springboard 5 Yr Fixed: the loan is above the £500,000 its page allows; Barclays 5 Yr Fixed: the loan is above the £640,000 its page allows; Barclays Green Home 5 Yr Fixed: the loan is above the £640,000 its page allows; Barclays 2 Yr Fixed: the loan is above the £640,000 its page allows; Barclays Premier 5 Yr Fixed: the loan is above the £640,000 its page allows; Barclays 2 Yr Tracker at BEBR +1.10%: the loan is above the £640,000 its page allows; HSBC 5 Year Fixed Fee Saver: the loan is above the £750,000 its page allows; HSBC 5 Year Fixed Premier Standard: the loan is above the £750,000 its page allows; HSBC 2 Year Fixed Fee Saver: the loan is above the £750,000 its page allows; HSBC 2 Year Term Tracker Standard: the loan is above the £750,000 its page allows; HSBC 2 Year Fixed Standard: the loan is above the £750,000 its page allows; HSBC 2 Year Fixed Premier Standard: the loan is above the £750,000 its page allows; HSBC 5 Year Fixed Standard: the loan is above the £750,000 its page allows; Leeds Building Society Legal Assisted 2 Year Fixed Rate: the loan is above the £700,000 its page allows; Leeds Building Society Legal Assisted 2 Year Fixed Rate: the loan is above the £700,000 its page allows; Leeds Building Society Legal Assisted 5 Year Fixed Rate: the loan is above the £700,000 its page allows; Leeds Building Society Legal Assisted 3 Year Fixed Rate: the loan is above the £700,000 its page allows; Leeds Building Society Legal Assisted 5 Year Fixed Rate: the loan is above the £700,000 its page allows; Santander 5 year fixed rate My First Mortgage FTB Excl: the loan is above the £500,000 its page allows; Skipton Building Society 2 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 5 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 2 Years Tracker: the loan is above the £750,000 its page allows; Skipton Building Society 2 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 5 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 2 Years Tracker: the loan is above the £750,000 its page allows; Skipton Building Society 2 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 2 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 3 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 3 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 5 Years Fixed: the loan is above the £750,000 its page allows; Skipton Building Society 5 Years Fixed: the loan is above the £750,000 its page allows; TSB 3 year fixed: the loan is above the £750,000 its page allows; TSB 2 year fixed: the loan is above the £750,000 its page allows; TSB 2 year fixed: the loan is above the £750,000 its page allows; TSB 5 year fixed: the loan is above the £750,000 its page allows; TSB 5 year fixed: the loan is above the £750,000 its page allows.
Each lender’s own published rates, read from its own site each night. An illustration, not advice: rates change, and a lender decides who it lends to. NewHomeSearch is not a broker, takes no commission and does not say which deal suits you; check every figure with the lender before you apply.
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Current mortgage rates in the UK
The lowest rate the 11 lenders here publish for buying a home, at each loan to value, as their own pages showed it on 12 Nov 2026. Only deals that lend on new-build homes are counted: every home on NewHomeSearch is a new build. The Bank of England’s averages are for September 2026, the latest month it has published, so they predate the lenders’ rates here. Sorted by rate: the lowest rate is not always the lowest cost once fees count, which the comparison above works out for your deposit and term.
A tracker moves with Bank Rate: each rate here is the lender’s own, already at today’s Bank Rate, and its margin is in the comparison’s More info. The Bank of England publishes no tracker average.
Lowest 2-year tracker rates by loan to value
Loan to value
Lowest rate
Lender and deal
Product fee
Bank of England average
60%40% deposit
4.08%
Santander2 year tracker rate New Build Exclusive, for home movers
£999
The Bank of England publishes no tracker average
75%25% deposit
4.20%
Santander2 year tracker rate large loan, for home movers
Some lenders price first-time buyers apart from home movers; choose First-time buyer under Buying as above to see only the deals open to you. With a 5% deposit, the lowest 2-year fixed rate published for a first-time buyer is 5.60%, from Coventry Building Society. With a 10% deposit, it is 5.28%, from NatWest. Read more in 5% deposit mortgage: the rates, the cost and what it buys, and about the government’s guarantee behind many of the highest loan to value deals in the Mortgage Guarantee Scheme.
The lowest 2-year fixed rate the 11 lenders here publish is 4.87% with a 40% deposit (NatWest), 5.23% with 10% (Santander) and 5.52% with 5% (Leeds Building Society). The lowest 5-year fix with 10% down is 5.00% (Barclays). Trackers start at 4.08%. Read from the lenders’ own sites on 12 November 2026.
What is the lowest mortgage rate in the UK right now?
Of the 676 deals published by the 11 lenders here, the lowest initial rate is 4.08%: Santander’s 2-year tracker at 60% LTV, with a £999 fee. The lowest rate is not always the cheapest deal: a large fee can cost more than a slightly higher rate saves, which is why the comparison sorts by the true cost over the deal.
How do I compare mortgage rates properly?
Compare the true cost over the deal, not the rate alone: the monthly payments for the length of the deal, plus every fee, less any cashback. Then look at the rate it moves to afterwards, the early repayment charges if you might move or repay, and the APRC, which spreads the whole cost over the full term. The comparison works all of these out for your price, deposit and term, deal by deal.
How do these rates compare with the average?
The Bank of England’s average quoted 2-year fixed rate at 90% loan to value was 5.37% in September 2026, the latest month it has published. The lowest published here today is 5.23%. The Bank’s averages come out monthly and trail the lenders, who reprice several times a month.
The annual percentage rate of charge: the total cost of a mortgage over its whole term, interest and fees together, as one yearly rate, worked out the way the Financial Conduct Authority sets (MCOB 10A). It assumes you stay on the lender’s variable rate after the deal ends, so it compares deals’ full-term cost rather than what you will actually pay if you remortgage.
How often do mortgage rates change?
Lenders change their rates whenever their funding costs or competition move, often several times a month, and sometimes with only a day’s notice. NewHomeSearch reads every lender here at 02:45 UTC each night, so the rates on these pages are never more than a day old; these were read on 12 November 2026.
Why are only deals that lend on new-build homes shown?
Because every home on NewHomeSearch is a new build. Some lenders keep their highest loan to value deals from new-build homes; showing those would compare rates you could not take. A deal its lender publishes for new-build homes only is shown and tagged.
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.
