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Mortgage Trust

The Mortgage Trust is exclusively in the buy to let market catering for landlords.

Compare mortgages

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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 until 30/11/2018
Initial rate
2.7%then 5.1% (variable)
Fees
£1,805fees
Overall cost
4.8%APRC
Monthly cost
£734.01 for 24 months then £929.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,837 includes: Loan amount (£160,000); Interest (£114,032); Booking fee (£150); Application fee (£995); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.7%then 5.1% (variable)
Fees
£1,805fees
Overall cost
4.8%APRC
Monthly cost
£734.01 for 24 months then £929.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,837 includes: Loan amount (£160,000); Interest (£114,032); Booking fee (£150); Application fee (£995); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.7%then 5.1% (variable)
Fees
£3,210fees
Overall cost
4.8%APRC
Monthly cost
£734.01 for 24 months then £929.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,242 includes: Loan amount (£160,000); Interest (£114,032); Booking fee (£150); Application fee (£2,400); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.7%then 5.1% (variable)
Fees
£3,210fees
Overall cost
4.8%APRC
Monthly cost
£734.01 for 24 months then £929.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,242 includes: Loan amount (£160,000); Interest (£114,032); Booking fee (£150); Application fee (£2,400); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Stepped until 30/11/2017
Initial rate
2.75%then 5.1% (variable)
Fees
£4,010fees
Overall cost
5.0%APRC
Monthly cost
£738.10 for 14 months then £935.81 (variable)
for 286 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,985 includes: Loan amount (£160,000); Interest (£117,975); Booking fee (£150); Application fee (£3,200); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Stepped until 30/11/2017
Initial rate
2.75%then 5.1% (variable)
Fees
£4,010fees
Overall cost
5.0%APRC
Monthly cost
£738.10 for 14 months then £935.81 (variable)
for 286 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £281,985 includes: Loan amount (£160,000); Interest (£117,975); Booking fee (£150); Application fee (£3,200); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/07/2021
Initial rate
2.89%then 5.1% (variable)
Fees
£7,235fees
Overall cost
4.3%APRC
Monthly cost
£749.62 for 60 months then £908.50 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/07/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,252 includes: Loan amount (£160,000); Interest (£103,017); Booking fee (£150); Application fee (£6,400); Valuation fee (£395); Funds transfer fee (£50); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.89%then 5.1% (variable)
Fees
£810fees
Overall cost
4.8%APRC
Monthly cost
£749.62 for 24 months then £930.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,596 includes: Loan amount (£160,000); Interest (£114,786); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.89%then 5.1% (variable)
Fees
£810fees
Overall cost
4.8%APRC
Monthly cost
£749.62 for 24 months then £930.42 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,596 includes: Loan amount (£160,000); Interest (£114,786); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.95%then 5.1% (variable)
Fees
£1,805fees
Overall cost
4.8%APRC
Monthly cost
£754.58 for 24 months then £930.85 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,829 includes: Loan amount (£160,000); Interest (£115,024); Booking fee (£150); Application fee (£995); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.95%then 5.1% (variable)
Fees
£1,805fees
Overall cost
4.8%APRC
Monthly cost
£754.58 for 24 months then £930.85 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,829 includes: Loan amount (£160,000); Interest (£115,024); Booking fee (£150); Application fee (£995); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker
Initial rate
2.99% (variable)
Fees
£2,305fees
Overall cost
3.0%APRC
Monthly cost
£757.91 per month
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £229,677 includes: Loan amount (£160,000); Interest (£67,372); Booking fee (£150); Application fee (£1,495); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.99%then 5.1% (variable)
Fees
£835fees
Overall cost
4.8%APRC
Monthly cost
£757.91 for 24 months then £931.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,017 includes: Loan amount (£160,000); Interest (£115,182); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£50); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/07/2021
Initial rate
3.09%then 5.1% (variable)
Fees
£5,635fees
Overall cost
4.4%APRC
Monthly cost
£766.25 for 60 months then £912.04 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/07/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,499 includes: Loan amount (£160,000); Interest (£104,864); Booking fee (£150); Application fee (£4,800); Valuation fee (£395); Funds transfer fee (£50); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
3.15%then 5.1% (variable)
Fees
£835fees
Overall cost
4.9%APRC
Monthly cost
£771.28 for 24 months then £932.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £276,650 includes: Loan amount (£160,000); Interest (£115,815); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£50); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
3.15%then 5.1% (variable)
Fees
£2,410fees
Overall cost
4.9%APRC
Monthly cost
£771.28 for 24 months then £932.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,225 includes: Loan amount (£160,000); Interest (£115,815); Booking fee (£150); Application fee (£1,600); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
3.15%then 5.1% (variable)
Fees
£2,410fees
Overall cost
4.9%APRC
Monthly cost
£771.28 for 24 months then £932.26 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,225 includes: Loan amount (£160,000); Interest (£115,815); Booking fee (£150); Application fee (£1,600); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/07/2021
Initial rate
3.29%then 5.1% (variable)
Fees
£4,035fees
Overall cost
4.5%APRC
Monthly cost
£783.09 for 60 months then £915.52 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/07/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,746 includes: Loan amount (£160,000); Interest (£106,711); Booking fee (£150); Application fee (£3,200); Valuation fee (£395); Funds transfer fee (£50); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
3.3%then 5.1% (variable)
Fees
£810fees
Overall cost
4.7%APRC
Monthly cost
£783.94 for 36 months then £927.50 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,893 includes: Loan amount (£160,000); Interest (£113,083); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
3.3%then 5.1% (variable)
Fees
£810fees
Overall cost
4.7%APRC
Monthly cost
£783.94 for 36 months then £927.50 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 21 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,893 includes: Loan amount (£160,000); Interest (£113,083); Booking fee (£150); Valuation fee (£395); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Mortgage Trust

The Mortgage Trust is a brand name of the Paragon Group plc. Paragon deal exclusively in the buy to let market and the Mortgage Trust provide mortgages for landlords with small property portfolios. Paragon was launched in 1995. In 1995 the company acquired Britannic Money, which it re-branded as Mortgage Trust, and continued strengthening its position in the buy to let market.

Today Mortgage Trust brand is a key lender in the buy to let market, particularly for smaller landlords. Mortgage Trust mortgages are available via intermediaries. Landlords can also apply direct to the Mortgage Trust.

Mortgage Trust offers fixed rate and discounted rate buy to let mortgages for landlords. The minimum loan to value on both types of mortgage is 80%. Products are available for new purchases and re-mortgages of existing properties. Mortgage terms of between 5 and 25 years are available.

A fee is payable at the time of application. Free valuations and legal fees may be available on Mortgage Trust mortgages, but the customer will have to use a service provider nominated by Mortgage Trust. The maximum loan available is £500k. Redemption penalties will be applicable if repayments are made during the discounted period.

Customers must be aged 21 years and over at the time of application. The maximum age at the end of the mortgage term is 80 years. The maximum the Mortgage Trust will lend is £1 million. Landlords can have no more than five properties in their portfolios.

Mortgage Trust mortgages are not suitable for HMOs – only properties that are self-contained units are suitable for a mortgage from Mortgage Trust.

Applications for a Mortgage Trust mortgage can be made online via the Mortgage Trust website. Customers can also apply via a mortgage broker or solicitor. Existing customers can log into the website to check their current mortgage statement.

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