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Buying a home

We’ve been successfully helping people buy their homes since 1867 and with our experience and knowledge you can be sure you’ll be in safe hands.  So, whether your upsizing, downsizing, self employed, retired or a member of the Armed Forces we can help you buy your home.

Try our mortgage calculator, which is designed to show you how much you could potentially borrow, which products are available to you and how much your monthly payments would be.  

Try our mortgage calculator

How much can I borrow?

How much can I borrow and what would it cost?

Our mortgage calculator is designed to show you how much you could potentially borrow and how much your monthly payments would be. The amount is based solely on your income without deducting household expenses and financial commitments. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Gross annual income

 

Mortgage details

 

Payment options

Your monthly repayments

 
Range dependent on the products in the comparison list below

Mortgages for buying a home

Variable Rate Mortgages
Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Discount

2.45% 4.9% APRC 85% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 2 years (24 months) of 2.45% and then on our current standard variable rate of 5.34% for the remaining 15 years and 7 months (187 months) would require 24 monthly payments of £1,406.17 then 187 monthly payments of £1,722.94. The total amount payable would be £358,035.76 made up of the loan amount plus interest (£115,626.76) with a £999.00 completion fee, £290.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.9% representative APRC.

2 Year Discount

1.99% 4.8% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £237,564.00, payable over 18 years and 8 months (224 months) initially on a discounted rate for 2 years (24 months) of 1.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 8 months (200 months) would require 24 monthly payments of £1,270.57 then 200 monthly payments of £1,634.12. The total amount payable would be £359,150.38 made up of the loan amount plus interest (£120,112.38) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

Specialist Self Employed 3 Year Discount

2.39% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £240,865.00, payable over 17 years and 7 months (211 months) initially on a discounted rate for 3 years (36 months) of 2.39% and then on our current standard variable rate of 5.34% for the remaining 14 years and 7 months (175 months) would require 36 monthly payments of £1,399.27 then 175 monthly payments of £1,701.70. The total amount payable would be £349,962.57 made up of the loan amount plus interest (£107,843.57) with a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.5% representative APRC.

Second/Holiday Home 3 Year Discount

2.49% 4.6% APRC 80% £499 View
for 36 months
find out more

Representative example

A Mortgage of  £237,564.00, payable over 18 years and 8 months (224 months) initially on a discounted rate for 3 years (36 months) of 2.49% and then on our current standard variable rate of 5.34% for the remaining 15 years and 8 months (188 months) would require 36 monthly payments of £1,327.13 then 188 monthly payments of £1,622.84. The total amount payable would be £354,310.66 made up of the loan amount plus interest (£115,772.66) with a £499.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.6% representative APRC.

Fixed Rate Mortgages
Product Initial rate Overall cost for
comparison
Max % LTV Completion fee Representative
Example
Mortgage
repayment

2 Year Fixed

2.99% 5.1% APRC 85% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £168,918.00, payable over 19 years and 6 months (234 months) initially on a fixed rate for 2 years (24 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 17 years and 6 months (210 months) would require 24 monthly payments of £953.52 then 210 monthly payments of £1,143.04. The total amount payable would be £264,782.74 made up of the loan amount plus interest (£94,390.74) and a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 5.1% representative APRC.

2 Year Fixed

2.34% 4.9% APRC 90% £999 View
for 24 months
find out more

Representative example

A Mortgage of  £164,459.00, payable over 20 years (240 months) initially on a fixed rate for 2 years (24 months) of 2.34% and then on our standard variable rate of 5.34% for the remaining 18 years (216 months) would require 24 monthly payments of £858.71 then 216 monthly payments of £1,091.33. The total amount payable would be £258,150.63 made up of the loan amount plus interest (£92,217.63) with a £999.00 completion fee, a £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

Specialist Self Employed 3 Year Fixed

2.79% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of £173,383.00, payable over 20 years and 4 months (244 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 17 years and 4 months (208 months) would require 36 monthly payments of £931.90 then 208 monthly payments of £1,133.40. The total amount payable would be £271,002.71 made up of the loan amount plus interest (£96,365.71) and a £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.

3 Year Fixed

2.19% 4.5% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,384.00, payable over 19 years and 2 months (230 months) initially on a fixed rate for 3 years (36 months) of 2.19% and then on our standard variable rate of 5.34% for the remaining 16 years and 2 months (194 months) would require 36 monthly payments of £865.16 then 194 monthly payments of £1,088.49. The total amount payable would be £244,080.61 made up of the loan amount plus interest (£80,222.61) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.5% representative APRC.

Second/Holiday Home 3 Year Fixed

2.99% 4.8% APRC 80% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £162,384.00, payable over 19 years and 2 months (230 months) initially on a fixed rate for 3 years (36 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 16 years and 2 months (194 months) would require 36 monthly payments of £928.39 then 194 monthly payments of £1,099.61. The total amount payable would be £248,621.99 made up of the loan amount plus interest (£84,763.99) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, legal fees of £105.00 and a mortgage exit administration fee of £120.00. The overall cost for comparison is 4.8% representative APRC.

3 Year Fixed

2.79% 4.8% APRC 90% £999 View
for 36 months
find out more

Representative example

A Mortgage of  £164,459.00, payable over 20 years (240 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 17 years (204 months) would require 36 monthly payments of £894.89 then 204 monthly payments of £1,084.83. The total amount payable would be £255,395.22 made up of the loan amount plus interest (£89,462.22) and a £220.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.8% representative APRC.  

5 Year Fixed

3.09% 4.4% APRC 95% £0 View
for 60 months
find out more

Representative example

A Mortgage of  £168,918.00, payable over 19 years and 6 months (234 months) initially on a fixed rate for 5 years (60 months) of 3.09% and then on our standard variable rate of 5.34% for the remaining 14 years and 6 months (174 months) would require 60 monthly payments of £961.96 then 174 monthly payments of £1,114.36. The total amount payable would be £252,503.41 made up of the loan amount plus interest (£83,110.41) and a £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.4% representative APRC.

How to apply...

The Loughborough mortgage service is tailored to each individual and offered on a fully advised basis where applicable. Our qualified advisers will spend time with you to understand your mortgage needs and financial circumstances before recommending the most suitable solution for you.

There are a number of ways you can arrange to talk to one of our friendly team of Advisers, choose what’s best for you: