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Britannia is a former mutual building society which now operates as a trading name of the Co-operative Bank. They no longer offer new mortgages under the Britannia brand, so new customers will need to look at the options offered by the Co-operative Bank or an alternate provider.

This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Jul-2020 From Royal Bank Of Scotland
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Tracker Jul-2020 From Royal Bank Of Scotland
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

Compare alternatives to Britannia mortgages

There are many different types of mortgage products aimed at different types of borrowers. Your own personal circumstances and borrowing needs will determine which is right for you.

First Time Buyer mortgages

First time buyers often struggle to get a deposit together for their first home, which is why many providers offer mortgages of up to 95% of the value of a property for aspiring homeowners. Some even offer 100% mortgages for customers who have a close relative willing to use their own home as security for a deposit.

Buy to Let mortgages

If you are interested in buying a property to rent out, you cannot do this with a standard homeowner mortgage. Instead you need to go for a buy to let mortgage specifically aimed at landlords. The amount you can borrow is likely to depend on the rentable value of the property. Often lenders will specify that the monthly rental income from the property will need to be equal to at least 125% of the monthly interest-only repayments on your mortgage.

Remortgaging with Britannia

If you don’t feel you have a particularly good deal on your current mortgage, or want to raise some extra funds by borrowing more, remortgaging can be a good option. It may allow you to get a better deal, thus bringing down your monthly payments. Alternatively, a new, larger mortgage will allow you to pay off your old one and leave extra money over for whatever you need.

Second charge mortgages

Sometimes is can be cheaper to take out a second, entirely separate secured loan on top of your existing mortgage. This is sometimes referred to as a second charge mortgage. It is most often used by people who already have a good deal on their existing mortgage, making it cheaper to borrow separately rather than remortgaging.

Loan to value ratio

Lenders generally make decisions about how much customers can borrow as a mortgage based on their loan to value (LTV) ratio. This describes the value of the loan the customer wishes to take out as a percentage of the market value of the property in question.

So, if you want to borrow £50,000 on a property worth £100,000, your loan to value ratio would be  50%. LTV also takes into account existing secured debt, so if you had a £50,000 mortgage on a £100,000 house, then wanted to borrow an extra £25,000 as a secured loan, your total LTV would be 75%.

Most lenders will tend to offer better interest rates on properties with a lower LTV.

Find the best deals on mortgage rates

Our mortgage calculator takes the stress out of finding the best deals for your mortgage. Simply put in your requirements and the calculator will match you up with the most attractive offers we have found from across the market. Head to the top of the page to try it out.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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