Compare 60% LTV fixed rate mortgages for a £200,000 property and a £120,000 repayment mortgage. The comparison includes available fixed-rate terms, lender fees and monthly payments. The lowest initial rate is not necessarily the lowest overall cost; compare product fees, APRC and early repayment charges before choosing a mortgage.
Compare current fixed mortgage rates for a £200,000 property with a £120,000 repayment mortgage, representing 60% LTV.
Lowest current 2 year fixed mortgage based on 60% LTV: 4.78% (Max LTV 60%) with a £999 product fee. Lowest current 2 year fixed mortgage without a product fee based on 60% LTV: 4.95% (Max LTV 60%) with no product fee. Lowest current 5 year fixed mortgage based on 60% LTV: 4.78% (Max LTV 60%) with a £999 product fee. Lowest current 5 year fixed mortgage without a product fee based on 60% LTV: 4.85% (Max LTV 60%) with no product fee. Rates checked 12 November 2026.
Showing 10 out of 1126 matching fixed mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Halifax | Initial Rate 4.78% then 7.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.5% | Monthly Payment £685.53 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.49% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.2% | Monthly Payment £685.53 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.49% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.2% | Monthly Payment £685.53 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.5% | Monthly Payment £685.53 Initial Monthly Payment | More Information More information |
| Lender Barclays Bank | Initial Rate 4.82% then 5.99% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £899.00 Product Fee | APRC 5% | Monthly Payment £688.29 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.5% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.49% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.5% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.49% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender NatWest | Initial Rate 4.87% then 6.99% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £1,495.00 Product Fee | APRC 6.4% | Monthly Payment £692.45 Initial Monthly Payment | More Information More information |
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.78% (until 31/03/2032) giving you a monthly payment of £685.53 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £849.34 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,972.92 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £685.53 |
|---|---|
| Ongoing Monthly Payment | £849.34 |
| True Cost Over Initial Period | £44,972.92 |
| Total Amount Repayable | £245,417.16 |
Halifax Lloyds Loyalty Premier Intermediary FTB 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.78% (until 31/03/2029) giving you a monthly payment of £685.53 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £869.84 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £20,293.84 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £685.53 |
|---|---|
| Ongoing Monthly Payment | £869.84 |
| True Cost Over Initial Period | £20,293.84 |
| Total Amount Repayable | £256,890.32 |
Halifax Lloyds Loyalty Premier Intermediary 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.78% (until 31/03/2029) giving you a monthly payment of £685.53 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £869.84 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £20,293.84 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £685.53 |
|---|---|
| Ongoing Monthly Payment | £869.84 |
| True Cost Over Initial Period | £20,293.84 |
| Total Amount Repayable | £256,890.32 |
Halifax Lloyds Loyalty Premier Intermediary 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.78% (until 31/03/2032) giving you a monthly payment of £685.53 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £849.34 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,972.92 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £685.53 |
|---|---|
| Ongoing Monthly Payment | £849.34 |
| True Cost Over Initial Period | £44,972.92 |
| Total Amount Repayable | £245,417.16 |
Barclays Bank 5 Year Fixed £899 Fee New Build Green Home Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.82% (until 31/12/2031) giving you a monthly payment of £688.29 .
After your fixed rate ends, you will move to the Barclays Bank standard variable rate which is currently 5.99% . This would give you a monthly repayment of £757.80 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,989.69 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £899.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,004.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £688.29 |
|---|---|
| Ongoing Monthly Payment | £757.80 |
| True Cost Over Initial Period | £42,989.69 |
| Total Amount Repayable | £224,103.89 |
Halifax Lloyds Loyalty Premier Intermediary 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.85% (until 31/03/2032) giving you a monthly payment of £690.37 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £850.38 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,283.68 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £690.37 |
|---|---|
| Ongoing Monthly Payment | £850.38 |
| True Cost Over Initial Period | £44,283.68 |
| Total Amount Repayable | £244,973.36 |
Halifax Lloyds Loyalty Premier Intermediary FTB 3 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 3 years the mortgage rate is 4.85% (until 31/03/2030) giving you a monthly payment of £690.37 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £863.79 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £28,713.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £690.37 |
|---|---|
| Ongoing Monthly Payment | £863.79 |
| True Cost Over Initial Period | £28,713.80 |
| Total Amount Repayable | £253,299.20 |
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.85% (until 31/03/2032) giving you a monthly payment of £690.37 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £850.38 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,283.68 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £690.37 |
|---|---|
| Ongoing Monthly Payment | £850.38 |
| True Cost Over Initial Period | £44,283.68 |
| Total Amount Repayable | £244,973.36 |
Halifax Lloyds Loyalty Premier Intermediary 3 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 3 years the mortgage rate is 4.85% (until 31/03/2030) giving you a monthly payment of £690.37 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.49% . This would give you a monthly repayment of £863.79 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £28,713.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £690.37 |
|---|---|
| Ongoing Monthly Payment | £863.79 |
| True Cost Over Initial Period | £28,713.80 |
| Total Amount Repayable | £253,299.20 |
NatWest Intermediary 5 Year Fixed £1495 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.87% (until 29/02/2032) giving you a monthly payment of £692.45 .
After your fixed rate ends, you will move to the NatWest standard variable rate which is currently 6.99% . This would give you a monthly repayment of £820.40 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £45,149.35 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,495.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,525.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £692.45 |
|---|---|
| Ongoing Monthly Payment | £820.40 |
| True Cost Over Initial Period | £45,149.35 |
| Total Amount Repayable | £239,584.15 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Compare fixed mortgage rates at other loan-to-value levels and initial fixed periods, or read our guide to how fixed rate mortgages work.
After comparing 60% LTV fixed rate mortgage products, you can request mortgage advice to discuss the available options and costs. We normally do not charge a fee for mortgage advice, although complex cases or debt consolidation may involve a fee; our typical fee is £399.
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
