Mortgage Deal of the Month

Our choice for January’s Mortgage Deal of the Month is a 2 year tracker rate at 3.78%:

Initial Rate:

A tracker rate which is 0.28% above the Bank of England base rate, currently 3.50%, giving a current rate payable of 3.78% until 30-Jun-2025

This reverts to:

Followed by the lender’s Standard Mortgage Variable Rate, currently 6.34%, for the remaining term of the mortgage.

The overall cost for comparison is:

The APRC applicable to your loan is 6%

£999 arrangement fee


  • Available on residential loans up to 65% of the purchase price or valuation of the property, whichever is the lower.
  • Available for purchase and remortgage
  • The product is available for loans up to £2,000,000
  • No early repayment charges

Information is correct as at 19th January 2023.

Representative Example: 4.2% APRC based on borrowing £300,000 over 20 years on 3.29% fixed for a period of 60 months, giving 60 monthly payments of £1,713.48 followed by 180 payments of £1,890.28 on a variable rate (currently 4.74%). Total amount payable £443,124.20 including the following one off cost – £999 lender arrangement fee