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Aldermore Mortgages

Aldermore mortgages are aimed at a wide variety of different consumers, including first time buyers, customers looking to move home, and the self-employed.

Compare mortgages

Reason for mortgage
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£
years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 11/12/2018
Initial rate
3.28%then 4.73% (variable)
Fees
£1,959fees
Overall cost
4.6%APRC
Monthly cost
£782.24 for 24 months then £901.32 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,496 includes: Loan amount (£160,000); Interest (£107,537); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2018
Initial rate
3.38%then 4.73% (variable)
Fees
£1,959fees
Overall cost
4.6%APRC
Monthly cost
£790.74 for 24 months then £901.98 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,883 includes: Loan amount (£160,000); Interest (£107,924); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
3.63% (variable)
Fees
£1,959fees
Overall cost
4.8%APRC
Monthly cost
£910.35 for months then £910.35 (variable)
for 300 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,063 includes: Loan amount (£160,000); Interest (£113,104); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
3.63%then 4.73% (variable)
Fees
£1,959fees
Overall cost
4.6%APRC
Monthly cost
£812.20 for 24 months then £903.62 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,850 includes: Loan amount (£160,000); Interest (£108,891); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 11/12/2018
Initial rate
3.63%then 4.73% (variable)
Fees
£1,959fees
Overall cost
4.6%APRC
Monthly cost
£812.20 for 24 months then £903.62 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,850 includes: Loan amount (£160,000); Interest (£108,891); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
3.68% (variable)
Fees
£1,035fees
Overall cost
4.8%APRC
Monthly cost
£910.35 for months then £910.35 (variable)
for 300 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,139 includes: Loan amount (£160,000); Interest (£113,104); Application fee (£0); Valuation fee (£555); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2018
Initial rate
3.68%then 4.73% (variable)
Fees
£1,959fees
Overall cost
4.6%APRC
Monthly cost
£816.53 for 24 months then £903.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £271,043 includes: Loan amount (£160,000); Interest (£109,084); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker
Initial rate
3.73% (variable)
Fees
£1,035fees
Overall cost
3.8%APRC
Monthly cost
£820.87 for months then £820.87 (variable)
for 300 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,296 includes: Loan amount (£160,000); Interest (£86,261); Application fee (£0); Valuation fee (£555); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 11/12/2021
Initial rate
3.99%then 4.73% (variable)
Fees
£1,035fees
Overall cost
4.5%APRC
Monthly cost
£843.66 for 60 months then £898.94 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 85 or younger at mortgage end
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.
  • Eligible for home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 11/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £267,401 includes: Loan amount (£160,000); Interest (£106,366); Application fee (£0); Valuation fee (£555); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Variable
Initial rate
4.13% (variable)
Fees
£1,959fees
Overall cost
4.8%APRC
Monthly cost
£910.35 for months then £910.35 (variable)
for 300 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 70 or younger at mortgage end
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,063 includes: Loan amount (£160,000); Interest (£113,104); Application fee (£999); Valuation fee (£480); Legal fee (£360); Funds transfer fee (£30); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Aldermore Mortgages

Aldermore Bank was founded in 2009 and is therefore a relatively new bank. It is named after the alder tree, which is a hardy species known to thrive in inhospitable locations. Despite the challenging economic conditions prevailing at its inception, within three years the bank was profitable.

To begin with, Aldermore concentrated on invoice financing, savings accounts and asset financing, but by 2010 it had moved into the commercial and residentialmortgage market.

Aldermore Bank promises to judge each mortgage application on its individual merits. Customers who have recently changed jobs or who are self-employed with varied income sources will not automatically be discounted. The bank says they are willing to overlook a few missed payments here and there. They will also consider borrowers who have been refused a mortgage from the main high street lenders despite having a decent credit rating.

Aldermore mortgages are aimed at a wide variety of different consumers, including first time buyers, customers looking to move home, and the self-employed. Aldermore also has special offers for existing customers wishing to move to a better deal.

First time buyers with little or no deposit can apply for a low deposit or no deposit Family Guarantee mortgage. Self-employed customers are also eligible for a mortgage with the Aldermore Bank, but applicants must be able to provide at least two years of certified accounts (or an SA302).

The bank has a separate mortgage department for new and experienced buy to let landlords.

As a general rule, Aldermore mortgages require that the borrower provide a minimum deposit of 20% of the property’s value. However, there may be other options on offer, so it is worth checking the most up to date Aldermore mortgage offers.

Aldermore mortgages are available direct from the bank. Alternatively, you can apply for an Aldermore mortgage via an intermediary such as a mortgage broker.

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