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Whether you are buying your first home, remortgaging, protecting your family’s future, or simply trying to make sense of it all, you have landed in the right place. This blog is here to cut through the noise and bring you helpful, jargon free insights into the world of mortgages, housing and insurance.

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What’s the Difference Between a HomeBuyer Report and a Mortgage Valuation

Jun 20, 2025

What’s the Difference Between a HomeBuyer Report and a Mortgage ValuationIf you are buying a home and the word survey has popped up a few times, you are not alone. One of the most common questions we...

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Scheme ID

00CQ3Z

Scheme ID

3.77% then 7.99% (var)

Monthly repayment

£0,000

Scheme fees

£0,000

Early repayment charge: 2% reducing to 1% until 31/01/27

Overall cost for comparison: 7.4% APRC

National Westminster Bank plc

Fees and charges

Booking fee	£0
Arrangement fee	£3,123
Valuation fee	£340
Other fee	£0
Cash back	£0

Flexibility

2% reducing to 1% until 31/01/27
Max LTV	85%
Overpayments allowed	Yes
Early repayment charge

Other info

Exit fee	£99
Estimated legals	£0

A variable rate 2.99% above the Bank of England base rate (5.25%), giving a current payable rate of 8.24% for 2 years. Afterward, it changes to 3.40% above the base rate (5.25%), resulting in 8.65% for the remaining term.

Mortgageability Talk to broker