Mortgages For Loyal Customers

Loyalty mortgages are often preferential mortgages given to existing customers of the bank or building society. Using our mortgage comparison tools you can now compare the loyality mortgages on offer against other lenders in the market. Search and see who is offering the best deals in an instant.

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Mortgage Expert



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ATOM 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

APR
4.2%

compare

Brightstar 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

APR
4.2%

compare

Complete FS 3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

APR
4.2%

compare

3 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.69%

Mortgage Type
Fixed

Duration
Mar-2020

Monthly Payment
£568.43

APR
4.2%

compare

2 Year Discount £999 Fee Purchase

Initial Rate
2.78%

Mortgage Type
Discount

Duration
Feb-2019

Monthly Payment
£576.24

APR
4.5%

compare

3 Year Discount £799 Fee Purchase Professional

Initial Rate
2.79%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£575.95

APR
4.6%

compare

Direct FTB 3 Year Discount Chorley Local Mortgage 0.75% Fee

Initial Rate
2.83%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£579.22

APR
4.8%

compare

Clever Lending 3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

Clever Lending PAMS 3 Year Discount 0.4% Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

3 Year Discount 0.4 % Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

PAMS 3 Year Discount 0.4% Fee

Initial Rate
2.84%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£578.22

APR
4.7%

compare

3 Year Discount No Fee Purchase

Initial Rate
2.88%

Mortgage Type
Discount

Duration
Feb-2020

Monthly Payment
£577.97

APR
4.4%

compare

ATOM 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Brightstar 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Complete FS 5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

5 Year Fixed £545 Fee Family Mortgage

Initial Rate
2.89%

Mortgage Type
Fixed

Duration
Mar-2022

Monthly Payment
£581.16

APR
4%

compare

Brightstar 2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£583.22

APR
5.1%

compare

2 Year Discount £300 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£583.22

APR
5.1%

compare

3 Year Discount £499 Fee Purchase

Initial Rate
2.94%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£584.15

APR
4.4%

compare

3 Year Discount No Fee Purchase Professional

Initial Rate
2.99%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£585.01

APR
4.6%

compare

Intermediary 2 Year Fixed £800 Fee

Initial Rate
2.99%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£588.80

APR
5.3%

compare

Intermediary 2 Year Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£585.10

APR
5.1%

compare

2 Year Discount No Fee Purchase

Initial Rate
2.99%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£585.13

APR
4.6%

compare

FTB Family Assist Term Discount No Fee

Initial Rate
2.99%

Mortgage Type
Discount

Duration
Term

Monthly Payment
£585.01

APR
3.1%

compare

2 Year Discount £800 Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£595.28

APR
4.9%

compare

Direct 3 Year Discount No Fee

Initial Rate
3.09%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£591.45

APR
4.7%

compare

Family Assist 4 Year Discount £199 Fee

Initial Rate
3.15%

Mortgage Type
Discount

Duration
4 years

Monthly Payment
£596.29

APR
4.4%

compare

Positive Lending 3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£597.93

APR
4.7%

compare

3 Year Discount No Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£597.93

APR
4.7%

compare

Direct / Semi Exclusive 2 Year Discount £500 Fee

Initial Rate
3.19%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£599.14

APR
4.9%

compare

Brightstar 3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£602.64

APR
5.1%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee

Initial Rate
3.24%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£605.08

APR
5.6%

compare

3 Year Discount £300 Fee Purchase

Initial Rate
3.24%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£602.64

APR
5.1%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers C/A

Initial Rate
3.29%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£609.44

APR
3.8%

compare

Direct 2 Year Tracker £999 Fee Save To Buy Existing Borrowers

Initial Rate
3.29%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£609.44

APR
3.8%

compare

3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£605.42

APR
4.7%

compare

Positive Lending 3 Year Fixed £199 Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£605.42

APR
4.7%

compare

Clever Lending 3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£607.38

APR
4.8%

compare

3 Year Fixed 0.4% Fee

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£607.38

APR
4.8%

compare

3 Year Fixed £499 Fee Purchase

Initial Rate
3.29%

Mortgage Type
Fixed

Duration
Apr-2020

Monthly Payment
£604.45

APR
4.5%

compare

3 Year Fixed £699 Fee Purchase Professional

Initial Rate
3.34%

Mortgage Type
Fixed

Duration
3 years

Monthly Payment
£611.16

APR
4.7%

compare

Direct FTB 3 Year Discount £99 Fee

Initial Rate
3.34%

Mortgage Type
Discount

Duration
3 years

Monthly Payment
£610.93

APR
4.7%

compare

Direct 2 Year Tracker £999 Fee Save To Buy C/A

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£616.05

APR
3.9%

compare

Direct 2 Year Tracker £999 Fee Save To Buy

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£616.05

APR
3.9%

compare

Direct FTB 2 Year Tracker £999 Fee Save To Buy C/A

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£616.05

APR
3.9%

compare

Direct FTB 2 Year Tracker £999 Fee Save To Buy

Initial Rate
3.39%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£616.05

APR
3.9%

compare

2 Year Fixed No Fee Purchase (Local only) Existing Borrowers

Initial Rate
3.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£611.01

APR
4.7%

compare

Direct / Semi Exclusive 2 Year Discount £500 Fee Purchase

Initial Rate
3.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£613.66

APR
4.7%

compare

Intermediary 2 Year Discount £500 Fee Purchase

Initial Rate
3.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£613.66

APR
4.7%

compare

2 Year Fixed No Fee Purchase (Local only)

Initial Rate
3.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£611.01

APR
4.7%

compare



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Recent mortgage Q&A

Why you should consider loyalty mortgages when remortgaging your house

Loyalty mortgages

There are very few areas these days where you get a better deal for remaining with your current provider. From mobile phones to power suppliers, it rarely pays to stick with the same one from year to year with significant savings being available if you shop around and switch, or at least attempt to switch, providers on a regular basis.

Why the mortgage market is different

The mortgage market is somewhat different to other markets because of the way funding is provided to lenders for them to be able to provide mortgages. There are costs associated with processing applications and each time a lender takes on a new customer they are also taking on a new risk. In order to help to reduce the amount of risk they take on, a number of lenders have begun to offer loyalty mortgages to their existing customers. These have been developed on the basis of lenders being able to retain customers who make their repayments on time and who represent a known risk to the lender.

What benefits do loyalty mortgages provide to the customer?

mortgages

There are a number of benefits that are provided by loyalty mortgages. The first thing to note is that the deals you can get with loyalty mortgages will almost always beat anything that is currently available on the open market. Some will provide you with decreased application fees, with discounts of up to half on some deals. This can be a significant saving before you even start looking at interest rates. Many loyalty mortgages will also provide you with special fixed rate deals that usually come in just under the rates available to everyone. The combination of the discounted application fees and the lower interest rate is enough to make these deals very attractive.

Are there any disadvantages to loyalty mortgages?

The main disadvantage of loyalty mortgages in the current economic climate is that they tend to offer a short term fixed rate mortgage over either two or three years. With interest rates set to start rising over the next year or so you could find yourself facing an unattractive mortgage market when your fixed rate period finishes.

Search all the fixed rate mortgages on the market

Plan ahead

Mortgage Calculator

Planning ahead can provide you with a better idea for whether a loyalty mortgage is for you or not. If you know that you will not be in a position to make any significant overpayments over the next ten years, you could well be better off going for a much longer term deal that is not a loyalty mortgage. If you know that you have changing financial circumstances coming that will leave you in a position to make a significant overpayment, or you know that you will be moving house sometime over the next 5 years, it may be that a low interest rate loyalty mortgage will be ideal. In order to make sure you have all of the facts you need to help you decide a mortgage broker will be able to assist you.

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