National Counties Mortgages
Best National Counties Mortgage Rates
National Counties Mortgages
National Counties Building Society is one of the UK’s largest building societies offering financial services to customers across England and Wales. They provide mortgages for first time buyers, current homeowners and buy to let landlords.
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- 4.03% Initial
- 5 year fixed
- 6.9% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.04% Initial
- 5 year fixed
- 6.9% APRC
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Cashback £0Free LegalsFree Valuation
- Get quotes
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- Halifax
- 4.06% Initial
- 5 year fixed
- 6.9% APRC
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Cashback Max £250Free LegalsFree Valuation
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- Halifax
- 4.06% Initial
- 5 year fixed
- 7% APRC
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Cashback Max £250Free LegalsFree Valuation
- Get quotes
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- 4.08% Initial
- 5 year fixed
- 6.7% APRC
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Cashback £0Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6.4% APRC
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Cashback £0Free LegalsFree Valuation
- Get quotes
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- 4.14% Initial
- 5 year fixed
- 6% APRC
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Cashback Max £1,600Free LegalsFree Valuation
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- 4.14% Initial
- 5 year fixed
- 6.7% APRC
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Cashback £0Free LegalsFree Valuation
- Get quotes
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- Halifax
- 4.17% Initial
- 5 year fixed
- 6.8% APRC
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Cashback Max £250Free LegalsFree Valuation
- Get quotes
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- Halifax
- 4.17% Initial
- 5 year fixed
- 6.9% APRC
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Cashback Max £250Free LegalsFree Valuation
- Get quotes
Compare National Counties mortgages
National Counties Building Society offers a variety of different types of mortgage to suit the unique borrowing requirements and financial circumstances of its customers.
First Time Buyer mortgages
To help first time buyers get a foot on the property ladder, National Counties offer a Family Mortgage which allows close relatives to help out. This type of mortgage lets family members use their own savings and properties as security to help secure the mortgage for those who can’t raise enough money for a normal deposit.
Buy to Let mortgages
If you already own your own home and are interested in becoming a landlord or expanding an existing rental portfolio, a buy to let mortgage can allow you to do this. With National Counties you can borrow up to 70% of a property’s value as a buy to let mortgage, although the amount you can borrow may also depend on the monthly rental income of the property.
Remortgaging with National Counties Building Society
If you want to reduce your monthly payments or increase your borrowing, remortgaging can be an attractive option. This can allow you to take out a new mortgage at a lower rate or interest, or borrow more, so that when you pay off your existing mortgage you end up with lower monthly payments or a lump sum left over.
Second charge mortgages
If you need to borrow more, but don’t want to get rid of your existing mortgage, you may want to look at taking out a separate secured loan. This can allow you to borrow money at attractive rates without interfering with your existing mortgage. You may be able to take your combined borrowing up to as much as 90% of your property’s value with a so-called second charge mortgage.
Loan to value ratio
The amount of debt you can secure against a property will tend to depend on your income and the relevant loan to value (LTV) ratio. This is a way of showing how much the amount you want to borrow is relative to the market value of your property.
So, if you want to borrow £50,000 secured on a property worth £100,000, this would work out to an LTV of 50%. In general, you will tend to be offered better interest rates on loans with a lower LTV, so this is worth bearing in mind when considering how much you need to borrow.
Find the best deals on mortgage rates
Finding the best deals available of mortgages can be time consuming and stressful, which is why we offer a free mortgage calculator to take some of the hassle out of the equation. The calculator matches your borrowing requirements with top offers from across the industry, allowing you to quickly and easily find a mortgage deal that works for you. Head to the top of the page to try it out.