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Platform (also known as Platform Home Loans) is an intermediary mortgage lender for The Co-operative Bank. This means they do not offer mortgages directly to the public. Instead, their mortgages are only available through professional mortgage advisors and cover residential and buy to let mortgages.

This makes our LTV . Invalid LTV.

Mortgage type
Initial rate term
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% 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

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Compare Platform mortgages

Platform breakdown their mortgages into two categories Mainstream (commonly called Homeowner mortgages) and buy to let mortgages. They offer different types of mortgage products within these categories giving customers a variety of options.

Homeowner mortgages

Platform’s Mainstream homeowner mortgages are available for first time buyers, current homeowners who are moving house and those looking to remortgage. Their different kinds of homeowner mortgage offer different benefits and features for borrowers.

Fixed rate mortgages

Offering fixed interest rates for the first 2-5 years of the mortgage term. This can make borrowing more affordable and allow more accurate medium term financial planning.

Tracker rate mortgages

Tracker mortgages offer interest rates set at a certain margin above the Bank of England Base Rate (or an equivalent rate). The rate you pay may track the base rate for an introductory period or the life of the loan.

Cashback mortgages

With a cashback mortgage you receive a cash lump sum upfront as a bonus for taking the mortgage. This can help with fees or other costs, but you may miss out on the best rates if you take this option.

90% LTV mortgages

Ideal for first time buyers or those looking to increase their borrowing by remortgaging. A 90% LTV mortgage allows you to borrow up to 90% of your property’s value, making it easier for first time buyers to get the necessary deposit together and allowing existing homeowners to unlock extra capital.

Buy to let mortgages

Platform offer buy to let mortgages through certain partner businesses including Connells, Countrywide and Legal & General. They are offered as fixed rate or tracker mortgages and are available as standard buy to let mortgages, let to buy mortgages for homeowners looking to move and rent out their old home and Premier buy to let mortgages for loans of 350,000-£500,000.

Loan to value ratio

Loan to value (LTV) ratio is a metric lenders use to decide how much to lend to their customers. It is a way of expressing what percentage of a property’s value they will be willing to offer as a mortgage. So, if you are offered a 70% LTV mortgage on a £100,000 property, you would be able to borrow up to £70,000.

In general, the higher your LTV, the bigger the risk for the lender so the higher interest rates they will charge.

Find the best deals on mortgage rates

If you want to see top mortgage deals available from all the leading and specialist lenders across the market, our mortgage calculator can help. All you need to do is head to the top of the page and share some basic information such as how much you are looking to borrow and how long for. We will then match you with appropriate mortgage products to help make your choice easier.

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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