Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.Quick Links
Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to an Adviser' button, when you call an advertised number or when you complete an application.
BALANCED. Moneyfacts.co.uk is entirely independent and authorised by the Financial Conduct Authority for mortgage, credit and insurance products.
FREE. There is no cost to you. Our service is entirely free and you don't need to share any personal data to access our comparison tables.
TRANSPARENT. We only receive payment from product providers and intermediaries for quick/direct links and adverts through to their websites.
COMPREHENSIVE. We research the whole market and scour the small print so you can find the best products for your needs.
Second charge mortgages are secured loans taken out against the equity available in your current home.
This guide explains when it might be the right time to remortgage.
First-time buyer mortgage products are specifically aimed at those people buying their first home. A two-year fixed rate mortgage means that for two years your mortgage repayments will be fixed at a certain level. The helpful thing about this is that it enables first-time buyers to know exactly what they will be repaying in the opening 24 months of their new mortgage.
Understanding how our two-year fixed rate mortgages deals for first-time buyers are organised is easy: at the top are all the deals which you can apply directly for via the 'Go To Provider's Site' button. Below these are deals offered by other providers in the marketplace. Both the direct deals and those below are sorted in interest rate order. To reorder the whole table into rate order, just untick the box at the top of the search table.
There is a large selection of two-year fixed rate mortgages available, so take your time and consider your options carefully. The majority of first-time buyer mortgages will offer you additional benefits, such a free valuations, free legal fees or cashback options - some might offer all of these or other benefits. So when considering which deal is right for you there's a lot more to consider than just the interest rate (although that is still important).