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Precise Mortgages

Precise Mortgages is a specialist lender. They offer a wide range of mortgage products via selected intermediaries and unlike mainstream lenders, they are able to be more flexible about the type of customer they work with.

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 until 25/09/2018
Initial rate
2.79%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.7%APRC
Monthly cost
£741.38 for 24 months then £921.06 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,167 includes: Loan amount (£160,000); Interest (£112,007); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
2.94%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£753.75 for 24 months then £904.97 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,618 includes: Loan amount (£160,000); Interest (£107,863); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.24%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£778.86 for 24 months then £907.03 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,787 includes: Loan amount (£160,000); Interest (£109,032); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2019
Initial rate
3.29%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.5%APRC
Monthly cost
£783.09 for 36 months then £902.56 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £268,222 includes: Loan amount (£160,000); Interest (£106,467); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.29%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£783.09 for 24 months then £907.36 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,982 includes: Loan amount (£160,000); Interest (£109,227); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.29%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.8%APRC
Monthly cost
£783.09 for 24 months then £924.57 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,135 includes: Loan amount (£160,000); Interest (£113,975); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2018
Initial rate
3.34%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£787.33 for 24 months then £907.70 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £271,176 includes: Loan amount (£160,000); Interest (£109,421); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.39%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.8%APRC
Monthly cost
£791.59 for 24 months then £925.25 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,527 includes: Loan amount (£160,000); Interest (£114,367); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.39%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.8%APRC
Monthly cost
£791.59 for 24 months then £925.25 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,527 includes: Loan amount (£160,000); Interest (£114,367); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.44%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.8%APRC
Monthly cost
£795.86 for 24 months then £925.59 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £277,723 includes: Loan amount (£160,000); Interest (£114,563); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2021
Initial rate
3.54%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.4%APRC
Monthly cost
£804.43 for 60 months then £896.96 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,290 includes: Loan amount (£160,000); Interest (£103,535); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.55%then 5.3% (variable)
Fees
£1,755fees
Overall cost
5.1%APRC
Monthly cost
£805.29 for 24 months then £952.50 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £283,972 includes: Loan amount (£160,000); Interest (£122,217); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2021
Initial rate
3.55%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.4%APRC
Monthly cost
£805.29 for 60 months then £897.12 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,382 includes: Loan amount (£160,000); Interest (£103,627); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2019
Initial rate
3.59%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£808.74 for 36 months then £905.55 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £269,934 includes: Loan amount (£160,000); Interest (£108,179); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2018
Initial rate
3.59%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.9%APRC
Monthly cost
£808.74 for 24 months then £926.59 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,310 includes: Loan amount (£160,000); Interest (£115,150); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2019
Initial rate
3.59%then 5.0% (variable)
Fees
£3,160fees
Overall cost
4.7%APRC
Monthly cost
£808.74 for 36 months then £922.12 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 25 or older
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £275,715 includes: Loan amount (£160,000); Interest (£112,555); Application fee (£2,400); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.59%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.7%APRC
Monthly cost
£808.74 for 24 months then £909.35 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,146 includes: Loan amount (£160,000); Interest (£110,391); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2019
Initial rate
3.64%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.6%APRC
Monthly cost
£813.06 for 36 months then £906.04 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,219 includes: Loan amount (£160,000); Interest (£108,464); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 25/09/2018
Initial rate
3.64%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.7%APRC
Monthly cost
£813.06 for 24 months then £909.68 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,339 includes: Loan amount (£160,000); Interest (£110,584); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 25/09/2018
Initial rate
3.64%then 4.8% (variable)
Fees
£1,755fees
Overall cost
4.7%APRC
Monthly cost
£813.06 for 24 months then £909.68 (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
  • 75 or younger at mortgage end
  • 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 25/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,339 includes: Loan amount (£160,000); Interest (£110,584); Application fee (£995); Valuation fee (£485); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£120); Deeds release fee (£0); 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 Precise Mortgages

The Precise product range include regular mortgages for customers with an impeccable credit rating, but they also provide mortgages for people with a few minor imperfections in their credit histories. The company has recently opened up its product range to include first time buyers and purchasers of new-build properties.

Customers can access short term and long term lending options through Precise Mortgages. They provide mortgage products for residential and buy to let customers, plus bridging loans and second charge mortgages. 

Residential mortgages from Precise include a selection of fixed price and tracker mortgage products. Self-employed customers are accepted by Precise. Customers with no other income apart from a pension will also be considered subject to affordability checks.  

Residential mortgages are suitable for home movers, customers looking to re-mortgage, and first time buyers. 

Precise Mortgages offers instant decisions on mortgage applications, even out of hours. The online application system is available 24/7 so customers don’t have to wait for days to hear whether their application has been successful. 

Landlords can choose from a selection of buy to let properties of up to 80% loan to value. Buy to let products are suitable for first time landlords and landlords looking to extend an existing property portfolio. 

Bridging loans from Precise are suitable for customers in need of short-term finance for purchasing a property at auction or expanding a buy to let property portfolio. There is no limit on the amount that can be borrowed in short-term finance. 

Second charge property loans can be used to generate funds for home improvements, as a deposit on another property purchase, or even to pay a tax bill. Second charge loans are suitable for customers who prefer to leave their existing mortgage intact. 

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