Residential Mortgages

Our advice for Residential Mortgages

Whether you own one property or many, Knight Frank Finance offer bespoke mortgage advice for residential properties to help you to find the best solution for your borrowing requirements.

By continually evaluating the lending markets and alternative mortgage lending services, we have developed a unique service approach.

Navigating the complex process of arranging a mortgage when moving home is daunting, especially without the right help and advice. With a huge range of mortgages available it’s hard to know if you’re getting a deal that’s right for your circumstances that may be subject to change, planned or not.

Whether moving to a larger property, downsizing or buying your first home, at Knight Frank Finance we believe that purchasing a new home is the perfect opportunity to find a mortgage deal that works for you.

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Buying your first home is exciting but often daunting. Your home is the centre of your family life and a major asset but it’s also almost certain to be the biggest financial commitment you’ll ever make. At Knight Frank Finance we use our experience and our access to the widest range of lenders including high street names and private banks to help you to find the mortgage that’s just right for you.

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Remortgaging can help you to reduce your payments or to improve your borrowing terms. You can also use it to release some equity in your property, in other words to take some money out of your home to use it for something else such as school fees or home improvements.

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Over the last few years, property has been seen as a good long-term investment as part of a balanced portfolio. Finding the right buy-to-let or investment mortgage is essential. Whether your goal is rental income or capital growth our experts at Knight Frank Finance have access to a wide range of lenders so that they can find the deal that is just right for you.

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Securing a mortgage for your new build home can sometimes be more difficult than it is for an older property. There are very specific criteria when it comes to borrowing for new build properties. We have close with banks and developers so we can help banks to understand exactly what their lending against – personal contact is very important.  We also do all the necessary preparation and the leg work.

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Mortgage Headline Rates

In addition to some of the headline rates below, Knight Frank has access to a range of bespoke mortgages from private banks and alternative lenders that we can discuss with you personally and confidentially, tailored to you. 

  • 5 Year Fixed Rate at 1.69%
    Mortgage Rate available to: Purchasers Only
    Initial Rate Payable % 1.69%
    Initial Rate Period / Expiry Date 30 September 2022
    Reverting to a variable Rate 3.69
    Annual Percentage Rate of Charge (APRC) 3.30%
    Loan to Value 60.00%
    Lenders Arrangement Fee £999.00
    Early Repayment Charges (ERCs) 5% to 30/09/2018, 4% to 30/09/2019, 3% to 30/09/2020, 2% to 30/09/2021, 1% to 30/09/2022
    Overpayment allowed Yes, up to 10% pa
    APRC for Comparison (Based on the under mentioned assumption) 2.90%
    If the interest rate rose to the Lender's highest borrowing rate for this product over the previous 20 years 5.10%
    Further details and how this example is reached
    Property Value £1,000,000.00
    Mortgage Amount £600,000.00
    Term of the Mortgage 25 years
    Method of Repayment Repayment
    Monthly payment at Inital Rate Payable £2,457.23
    Number of payments 300
    Total Amount Payable £853,352.88 over 25 years
  • 2 Year Tracker Rate at 1.09%
    Mortgage Rate available to: Purchasers Only
    Initial Rate Payable % 1.09%
    Initial Rate Period / Expiry Date 2 Years
    Reverting to a variable Rate 3.69
    Annual Percentage Rate of Charge (APRC) 3.30%
    Loan to Value 60.00%
    Lenders Arrangement Fee £999.00
    Early Repayment Charges (ERCs) None
    Overpayment allowed Yes
    APRC for Comparison (Based on the under mentioned assumption) 3.30%
    If the interest rate rose to the Lender's highest borrowing rate for this product over the previous 20 years 8.00%
    Further details and how this example is reached
    Property Value £1,000,000.00
    Mortgage Amount £600,000.00
    Term of the Mortgage 25 years
    Method of Repayment Repayment
    Monthly payment at Inital Rate Payable £2,289.19
    Number of payments 300
    Total Amount Payable £885,497.40 over 25 years
  • 2 Year Fixed Rate at 1.14%
    Mortgage Rate available to: Purchasers Only
    Initial Rate Payable % 1.44%
    Initial Rate Period / Expiry Date 24 Months
    Reverting to a variable Rate 3.69
    Annual Percentage Rate of Charge (APRC) 3.30%
    Loan to Value 60.00%
    Lenders Arrangement Fee £999.00
    Early Repayment Charges (ERCs) 2% to 30/09/2018, 1% to 30/09/2019
    Overpayment allowed Yes - Up to 10% pa without ERC
    APRC for Comparison (Based on the under mentioned assumption) 3.30%
    If the interest rate rose to the Lender's highest borrowing rate for this product over the previous 20 years 6.30%
    Further details and how this example is reached
    Property Value £1,000,000.00
    Mortgage Amount £600,000.00
    Term of the Mortgage 25 years
    Method of Repayment Repayment
    Monthly payment at Inital Rate Payable £2,302.91
    Number of payments 300
    Total Amount Payable £881,957.04 over 25 years
  • 5 Year Buy to Let Fixed Rate at 2.39%
    Mortgage Rate available to: BTL Purchases Only
    Initial Rate Payable % 2.39%
    Initial Rate Period / Expiry Date 30 September 2022
    Reverting to a variable Rate 4.59
    Annual Percentage Rate of Charge (APRC) 4.00%
    Loan to Value 60.00%
    Lenders Arrangement Fee £1995.00
    Early Repayment Charges (ERCs) 5% to 30/09/2018, 4% to 30/09/2019, 3% to 30/09/2021, 1% to 30/09/2022
    Overpayment allowed Yes - Up to 10% pa without ERC
    APRC for Comparison (Based on the under mentioned assumption) 4.00%
    If the interest rate rose to the Lender's highest borrowing rate for this product over the previous 20 years 8.40%
    Further details and how this example is reached
    Property Value £1,000,000.00
    Mortgage Amount £600,000.00
    Term of the Mortgage 20 years
    Method of Repayment Interest Only
    Monthly payment at Inital Rate Payable £1,187.97
    Number of payments 300
    Total Amount Payable £1,224,713.42 over 20 years