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Mortgages for Good Credit

Best Mortgage Rates

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Mortgages for Good Credit

    • 3.89% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback Max £1,250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.92% Initial
    • 5 year fixed
    • 6.7% APRC
    • Cashback Max £250
      Free Legals
      Free Valuation
    • Get quotes
    • 3.92% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.94% Initial
    • 5 year fixed
    • 6.4% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.97% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.98% Initial
    • 5 year fixed
    • 6% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 3.99% Initial
    • 5 year fixed
    • 6.5% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 5 year fixed
    • 6.8% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 5 year fixed
    • 5.9% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes
    • 4.00% Initial
    • 2 year fixed
    • 6.7% APRC
    • Cashback £0
      Free Legals
      Free Valuation
    • Get quotes

Representative example based on a fixed rate mortgage

A mortgage of £375,000 payable over 20 years initially on a fixed rate for 5 years at 4.38% and then at the standard variable rate of 7.65% for the remaining 15 years would require 60 monthly payments of £2,351.88 and then 180 monthly payments of £2,899.55.

The total amount payable would be £663,156.80 which includes interest and product fees of £1,124.

The overall cost for comparison is 6.5% APRC representative.

Early repayment charges may apply.

Mortgages for good credit

For good credit borrowers, compare mortgage deals

You may be eligible for some of the most attractive mortgage deals on the market if you have a decent credit history. Compare as many alternative mortgage deals and suppliers as you can in order to find the best mortgage deals.

What you can do to maximize your chances of obtaining a good credit mortgage

If you have good credit, you are quite likely to be an acceptable lending choice for many mortgage providers – but you can increase your chances of getting the mortgage you wish by implementing a few of the following steps before approaching your chosen mortgage lender:

  • The higher the deposit you pay, the better your interest rate will likely be offered

  • Ensure that your credit history is current – Several online services will allow you to check your credit score quickly and easily

  • Ensure that all of your financial and employment documents are up to date – you are likely to appeal to potential mortgage lenders if you can demonstrate your stable career and good financial history

  • For some buyers, discounted rates and fee-free mortgages could save them money in the short term. To determine whether a mortgage is the best choice for you, you should assess the overall mortgage costs over the long term 

Types of mortgage deals for good credit

 With a good or excellent credit score, you may be eligible for three types of mortgages. These are:

 

Mortgages with fixed rates - a fixed rate mortgage has an interest rate fixed for a particular period. You can choose from 2-year, 3-year, 5-year, or even 10-year fixed-rate mortgages, depending on your mortgage provider.

 

Tracker mortgages - a tracker mortgage will have a rate of interest that fluctuates based on the Bank of England base interest rate, meaning the amount you pay may fluctuate over time. Various lenders offer lifetime tracker mortgages for a fixed number of years and/or for the entire mortgage term.

 

Offset mortgages—These mortgages are linked to either a savings account or a current account. Offsetting your savings against your mortgage can reduce the overall interest you will have to pay while still allowing you to access your money.

 

To investigate your finance options, call our broker team or fill in our call back form -  speak to our independent mortgage broker team who will be able to offer impartial advice or you can call us on 0117 403 3464

Good Credit Mortgage Deals Get Quotes
Good Credit Mortgage Deals Get Quotes