Hawes and Co

Cobalt Capital and Hawes and Co work in partnership to provide a comprehensive and tailor made service to help you finance your new property. Our mortgage best buys below provide our pick of the best mortage rates currently available.

Before you apply for a mortgage, you need to know if you'll be able to afford the monthly repayments. Whether you’re interested in an interest-only or capital repayment loan, our calculator will give you a good idea of what the amount you intend to borrow will cost – see How much will it cost?

Borrowers interested in flexible mortgages can find out how much they can save by making monthly overpayments or reducing the loan amount through a lump sum payment. Click on How much can I save? to find out more.

Of course, you’ll only be able to borrow funds in the first place if a lender is happy that you can afford it. By entering your annual income and any regular bonuses, our calculator will determine the maximum amount you will typically be able to borrow and whether your application is likely to succeed. To find out your loan limits, click on How much can I borrow?

Remember: Our calculators should only be used as a guide so please contact us to find out more

Best buys


Residential Fixed

Lender Initial rate Until Subsequent Rate Overall Cost for Comparison
Woolwich 3.99% 31.01.2010 4.99% 5.20%
Abbey 4.39% 02.02.2011 5.44% 5.40%
Cheltenham & Gloucester 4.49% 28.02.2011 5.00% 5.30%

Residential Tracker/Variable

Lender Initial rate Until Subsequent Rate Overall Cost for Comparison
Cheltenham & Gloucester 4.39% 31.01.2011 5.00% 5.00%
Cheltenham & Gloucester 4.79% 31.01.2011 5.00% 5.00%
Cheltenham & Gloucester 4.85% Term 4.85% 5.10%

Buy-To-Let Fixed

Lender Initial rate Until Subsequent Rate Overall Cost for Comparison
The Mortgage Works 4.69% 28.02.2011 5.74% 6.10%
The Mortgage Works 5.19% 28.02.2011 5.74% 6.10%
Cheltenham & Gloucester 5.69% 28.02.2011 5.00% 5.60%

Buy-To-Let Tracker/Variable

Lender Initial rate Until Subsequent Rate Overall Cost for Comparison
Cheltenham & Gloucester 5.89% 31.01.2012 5.00% 5.70%
BM Solutions 5.99% 36 months 6.00% 6.50%

Monty's Mortgage Blog

02.12.08

House Prices Trough – Is Now The Time To Buy?

Looking forward to next year, (where has this year gone?), I am already being asked about house prices and mortgage levels.

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