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Mortgage Rates
At Financial Planner, we have a selection of fixed and variable rates to choose from whether you are thinking of buying your First Home, Switching Lender or Trading Up.
Picking the right rate to suit your requirements
Fixed rate will offer stability and gives you peace of mind in knowing your repayment will not change for a fixed period of time
Switching rates can carry a penalty with some lenders, to switch your mortgage or overpay so shorter-term fixed rates may suit you better
When in a fixed rate you are restricted on how much you can overpay for free most lenders allow you to overpay by 10% a year until the end of the term
Fixed rates that provide Real Value
| Type of Rate: | LTV: | APR: | Rate: |
|---|---|---|---|
| Variable | 90% | 4.30% | 4.15% |
| 1 Year fixed rate | 90% | 4.30% | 4.55% |
| 2 Year fixed rate | 90% | 4.40% | 4.65% |
| 3 Year Fixed Rate | 90% | 4.50% | 4.75% |
| 4 Year Fixed Rate | 90% | 4.62% | 4.75% |
| 5 Year Fixed Rate | 90% | 4.78% | 5.00% |
| 7 Year Fixed Rate | 90% | 4.90% | 5.05% |
| 10 Year Fixed Rate | 90% | 5.00% | 5.15% |
| Type of Rate: | LTV: | APR: | Rate: |
|---|---|---|---|
| Variable | >60-80% | 4.01% | 3.90% |
| 1 Year fixed rate | >60-80% | 4.30% | 4.55% |
| 2 Year fixed rate | >60-80% | 4.40% | 4.65% |
| 3 Year Fixed Rate | >60-80% | 4.25% | 4.65% |
| 4 Year Fixed Rate | >60-80% | 4.26% | 4.50% |
| 5 Year Fixed Rate | >60-80% | 4.44% | 4.75% |
| 7 Year Fixed Rate | >60-80% | 4.90% | 5.05% |
| 10 Year Fixed Rate | >60-80% | 5.00% | 5.15% |
| Type of Rate: | LTV: | APR: | Rate: |
|---|---|---|---|
| Variable | <50% | 3.91% | 3.80% |
| 1 Year fixed rate | <50% | 4.30% | 4.55% |
| 2 Year fixed rate | <50% | 4.40% | 4.65% |
| 3 Year Fixed Rate | <50% | 4.21% | 4.75% |
| 4 Year Fixed Rate | <50% | 4.16% | 4.40% |
| 5 Year Fixed Rate | <50% | 4.33% | 4.65% |
| 7 Year Fixed Rate | <50% | 4.55% | 4.85% |
| 10 Year Fixed Rate | <50% | 5.00% | 5.15% |
| Type of Rate: | LTV: | APR: | Rate: |
|---|---|---|---|
| Variable | Buy to let Variable | 5.00% | 4.85% |
The above rates are subject to terms and conditions.