Buying a new home
Just like homes, mortgages come in many shapes and sizes. At Saffron, we have a comprehensive range and here’s where you can get a quick guide to the ones that could be right for you. Simply enter your details below.
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Enter your details below to find a mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage
80% Fixed Rate Mortgage
- Initial rate2.07% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is3.9% APRC
- Product periodFixed until 31/01/2021
- Deposit required20%
- Arrangement fee£995
A mortgage of £91,025 payable over 12 years, initially on a Fixed rate Until 31.01.2021 at 2.07% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 8 years 3 months, would require 45 monthly payments of £714.42 and 99 monthly payments of £813.31.
The total amount payable would be £112,841.84 made up of the loan amount plus interest (£21,846.84), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 3.9% APRC representative.
80% Fixed Rate Mortgage
- Initial rate2.27% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is3.5% APRC
- Product periodFixed until 31/12/2022
- Deposit required20%
- Arrangement fee£1,495
A mortgage of £91,525 payable over 12 years, initially on a Fixed rate Until 31.12.2022 at 2.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 6 years 4 months, would require 68 monthly payments of £718.34 and 76 monthly payments of £794.53.
The total amount payable would be £109,423.31 made up of the loan amount plus interest (£17,928.31), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 3.5% APRC representative.
Two Year Discount Mortgage
- Initial rate1.15% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.4% APRC
- Product periodtwo years
- Deposit required40%
- Arrangement fee£999
A mortgage of £91,029 payable over 12 years, initially on a Discount rate for 2 Years at 1.15% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 10 years, would require 24 monthly payments of £677.07 and 120 monthly payments of £828.21.
The total amount payable would be £115,916.75 made up of the loan amount plus interest (£24,917.75), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.4% APRC representative.
Two Year Discount Mortgage
- Initial rate1.25% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.4% APRC
- Product periodtwo years
- Deposit required20%
- Arrangement fee£999
A mortgage of £91,029 payable over 12 years, initially on a Discount rate for 2 Years at 1.25% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 10 years, would require 24 monthly payments of £681.07 and 120 monthly payments of £829.01.
The total amount payable would be £116,107.92 made up of the loan amount plus interest (£25,108.92), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.4% APRC representative.
Three Year Discount Mortgage
- Initial rate1.95% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.5% APRC
- Product periodthree years
- Deposit required40%
- Arrangement feeNone
A mortgage of £90,030 payable over 12 years, initially on a Discount rate for 3 Years at 1.95% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 9 years, would require 36 monthly payments of £146.30 and 108 monthly payments of £404.38.
The total amount payable would be £139,523.82 made up of the loan amount plus interest (£49,523.82), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.5% APRC representative.
Three Year Discount Mortgage
- Initial rate2.29% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.6% APRC
- Product periodthree years
- Deposit required30%
- Arrangement feeNone
A mortgage of £90,030 payable over 12 years, initially on a Discount rate for 3 Years at 2.29% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 9 years, would require 36 monthly payments of £171.81 and 108 monthly payments of £404.38.
The total amount payable would be £140,442.52 made up of the loan amount plus interest (£50,442.52), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.6% APRC representative.
Three Year Discount Mortgage
- Initial rate2.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.6% APRC
- Product periodthree years
- Deposit required20%
- Arrangement feeNone
A mortgage of £90,030 payable over 12 years, initially on a Discount rate for 3 Years at 2.39% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 9 years, would require 36 monthly payments of £179.31 and 108 monthly payments of £404.38.
The total amount payable would be £140,712.62 made up of the loan amount plus interest (£50,712.62), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.6% APRC representative.
Three Year Discount Mortgage
- Initial rate3.29% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.9% APRC
- Product periodthree years
- Deposit required10%
- Arrangement feeNone
A mortgage of £90,030 payable over 12 years, initially on a Discount rate for 3 Years at 3.29% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 9 years, would require 36 monthly payments of £246.83 and 108 monthly payments of £404.38.
The total amount payable would be £143,144.26 made up of the loan amount plus interest (£53,144.26), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.9% APRC representative.
Next Step Variable Rate Mortgage
- Initial rate4.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.2% APRC
- Product periodfive years
- Deposit required5%
- Arrangement fee£995
A mortgage of £271,025 payable over 35 years, initially on a Discount rate for 5 Years at 4.39% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 30 years, would require 60 monthly payments of £1,264.24 and 360 monthly payments of £1,417.94.
The total amount payable would be £587,027.47 made up of the loan amount plus interest (£316,032.47), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.2% APRC representative.
Next Step Variable Rate Mortgage
- Initial rate5.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.6% APRC
- Product periodLife of loan
- Deposit required5%
- Arrangement fee£495
A mortgage of £270,525 payable over 35 years on our current Standard Variable Rate Mortgage of 5.39% (variable) would require 420 monthly payments of £1,433.32.
The total amount payable would be £602,738.79 made up of the loan amount plus interest (£332,243.79), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.6% APRC representative.
Self Employed Mortgage
- Initial rate2.49% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.8% APRC
- Product periodthree years
- Deposit required40%
- Arrangement fee£499
A mortgage of £958,529 payable over 30 years, initially on a Discount rate for 3 Years at 2.49% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 27 years, would require 36 monthly payments of £3,782.37 and 324 monthly payments of £5,227.21.
The total amount payable would be £1,830,304.99 made up of the loan amount plus interest (£871,805.99), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.8% APRC representative.
Self Employed Mortgage
- Initial rate2.79% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.9% APRC
- Product periodthree years
- Deposit required20%
- Arrangement fee£499
A mortgage of £958,529 payable over 30 years, initially on a Discount rate for 3 Years at 2.79% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 27 years, would require 36 monthly payments of £3,933.45 and 324 monthly payments of £5,245.23.
The total amount payable would be £1,841,529.56 made up of the loan amount plus interest (£883,030.56), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.9% APRC representative.
Self Employed Mortgage
- Initial rate3.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.0% APRC
- Product periodthree years
- Deposit required10%
- Arrangement fee£499
A mortgage of £958,529 payable over 30 years, initially on a Discount rate for 3 Years at 3.39% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 27 years, would require 36 monthly payments of £4,245.58 and 324 monthly payments of £5,279.46.
The total amount payable would be £1,863,769.41 made up of the loan amount plus interest (£905,270.41), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.0% APRC representative.
Self Employed Fixed Rate Mortgage
- Initial rate3.27% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.9% APRC
- Product periodFixed until 30/04/2021
- Deposit required20%
- Arrangement fee£999
A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 30.04.2021 at 3.27% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 26 years 3 months, would require 45 monthly payments of £4,184.29 and 315 monthly payments of £5,249.02.
The total amount payable would be £1,842,183.32 made up of the loan amount plus interest (£883,184.32), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.9% APRC representative.
Self Employed Fixed Rate Mortgage
- Initial rate3.77% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.0% APRC
- Product periodFixed until 30/04/2021
- Deposit required10%
- Arrangement fee£999
A mortgage of £959,029 payable over 30 years, initially on a Fixed rate Until 30.04.2021 at 3.77% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 26 years 3 months, would require 45 monthly payments of £4,452.30 and 315 monthly payments of £5,282.82.
The total amount payable would be £1,864,825.41 made up of the loan amount plus interest (£905,826.41), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.0% APRC representative.
Contractor 3 Year Discount Mortgage
- Initial rate2.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.8% APRC
- Product periodthree years
- Deposit required40%
- Arrangement fee£499
A mortgage of £528,529 payable over 33 years, initially on a Discount rate for 3 Years at 2.39% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 30 years, would require 36 monthly payments of £1,930.74 and 360 monthly payments of £2,780.05.
The total amount payable would be £1,070,760.07 made up of the loan amount plus interest (£542,261.07), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.8% APRC representative.
Contractor 3 Year Discount Mortgage
- Initial rate2.69% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.9% APRC
- Product periodthree years
- Deposit required20%
- Arrangement fee£499
A mortgage of £528,529 payable over 33 years, initially on a Discount rate for 3 Years at 2.69% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 30 years, would require 36 monthly payments of £2,017.98 and 360 monthly payments of £2,789.47.
The total amount payable would be £1,077,150.05 made up of the loan amount plus interest (£548,651.05), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.9% APRC representative.
Contractor 3 Year Discount Mortgage
- Initial rate3.29% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.0% APRC
- Product periodthree years
- Deposit required10%
- Arrangement fee£499
A mortgage of £528,529 payable over 33 years, initially on a Discount rate for 3 Years at 3.29% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 30 years, would require 36 monthly payments of £2,189.45 and 360 monthly payments of £2,807.25.
The total amount payable would be £1,089,775.41 made up of the loan amount plus interest (£561,276.41), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.0% APRC representative.
Contractor Fixed Rate Mortgage
- Initial rate3.17% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is4.9% APRC
- Product periodFixed until 30/04/2021
- Deposit required20%
- Arrangement fee£999
A mortgage of £529,029 payable over 33 years, initially on a Fixed rate Until 30.4.2021 at 3.17% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 3 months, would require 45 monthly payments of £2,155.97 and 351 monthly payments of £2,792.44.
The total amount payable would be £1,077,549.38 made up of the loan amount plus interest (£548,550.38), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.9% APRC representative.
Contractor Fixed Rate Mortgage
- Initial rate3.67% Fixed
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.1% APRC
- Product periodFixed until 30/04/2021
- Deposit required10%
- Arrangement fee£999
A mortgage of £529,029 payable over 33 years, initially on a Fixed rate Until 30.4.2021 at 3.67% and then on our current Standard Variable Rate Mortgage of 5.39% (variable) for the remaining 29 years 3 months, would require 45 monthly payments of £2,306.15 and 351 monthly payments of £2,809.87.
The total amount payable would be £1,090,384.00 made up of the loan amount plus interest (£561,385.00), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.1% APRC representative.
Professional 5 Year Discount Mortgage
- Initial rate3.19% Variable
- then changing to our SVR minus 1.00%4.39%
- The overall cost for comparison is4.1% APRC
- Product periodfive years
- Deposit required30%
- Arrangement fee£1,550
A mortgage of £791,580 payable over 34 years, initially on a Discount rate for 5 Years at 3.19% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 29 years, would require 60 monthly payments of £3,181.19 and 348 monthly payments of £3,669.49.
The total amount payable would be £1,468,187.91 made up of the loan amount plus interest (£676,637.91), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.1% APRC representative.
Professional 5 Year Discount Mortgage
- Initial rate3.69% Variable
- then changing to our SVR minus 1.00%4.39%
- The overall cost for comparison is4.3% APRC
- Product periodfive years
- Deposit required20%
- Arrangement fee£1,550
A mortgage of £791,580 payable over 34 years, initially on a Discount rate for 5 Years at 3.69% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 29 years, would require 60 monthly payments of £3,407.87 and 348 monthly payments of £3,699.45.
The total amount payable would be £1,492,225.61 made up of the loan amount plus interest (£700,675.61), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.3% APRC representative.
Professional 5 Year Discount Mortgage
- Initial rate3.79% Variable
- then changing to our SVR minus 1.00%4.39%
- The overall cost for comparison is4.3% APRC
- Product periodfive years
- Deposit required15%
- Arrangement fee£1,550
A mortgage of £791,580 payable over 34 years, initially on a Discount rate for 5 Years at 3.79% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 29 years, would require 60 monthly payments of £3,454.17 and 348 monthly payments of £3,705.21.
The total amount payable would be £1,497,010.25 made up of the loan amount plus interest (£705,460.25), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.3% APRC representative.
Professional 5 Year Discount Mortgage
- Initial rate3.99% Variable
- then changing to our SVR minus 1.00%4.39%
- The overall cost for comparison is4.4% APRC
- Product periodfive years
- Deposit required10%
- Arrangement fee£1,550
A mortgage of £791,580 payable over 34 years, initially on a Discount rate for 5 Years at 3.99% and then a 1.00% discount off of our current Standard Variable Rate Mortgage of 5.39% to give a current rate payable of 4.39% (variable) for the remaining 29 years, would require 60 monthly payments of £3,547.72 and 348 monthly payments of £3,716.51.
The total amount payable would be £1,506,559.98 made up of the loan amount plus interest (£715,009.98), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 4.4% APRC representative.
Standard Variable Rate Mortgage
- Initial rate5.39% Variable
- then changing to our SVR, currently5.39%
- The overall cost for comparison is5.6% APRC
- Product periodLife of loan
- Deposit required30%
- Arrangement feeNone
A mortgage of £90,030 payable over 12 years on our current Standard Variable Rate Mortgage of 5.39% (variable) would require 144 monthly payments of £404.38.
The total amount payable would be £148,818.21 made up of the loan amount plus interest (£58,818.21), an application fee of £135 and a redemption fee of £130.
The overall cost for comparison is 5.6% APRC representative.