CAM Mortgage

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

Call FREE - 0800 158 2934 

1.54%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

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With a CAM mortgage (Current Account Mortgage), you combine all your borrowings and savings into one account, offsetting the amount you owe on your mortgage with your savings, which could save you money. To find out more about CAM mortgages, or to speak to an adviser about whether a CAM mortgage is right for you, see the tables below:

Fixed Rate Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.54%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 056 8572 to speak to a NatWest mortgage specialist
Fixed

1.83%

Reverts to 3.99%

2

Years

75%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist.
Fixed

1.94%

Reverts to 3.94%

5

Years

60%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999
Fixed

1.95%

Reverts to 3.99%

5

Years

60%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist
Fixed

1.98%

Reverts to 4.74%

2

Years

75%

NoMore Info >
Fixed

1.94%

Reverts to 3.94%

5

Years

75%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999
Fixed

2.00%

Reverts to 3.99%

5

Years

75%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist.
Fixed

1.65%

Reverts to 4.79%

2

Years

65%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Fixed

1.73%

Reverts to 4.79%

2

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Fixed

2.06%

Reverts to 4.79%

5

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


Tracker Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist
Tracker

2.04%

Reverts to 3.99%

2

Years

70%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

2.04%

Reverts to 3.99%

2

Years

70%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


Discount Rate Mortgage Deals
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Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


Buy to Let Mortgage Deal Selection

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed
Buy-to-Let

1.74%

Reverts to 4.49%

2

Years

60%

YesMore Info >
  • Call 0800 096 7962 to speak to an RBS mortgage specialist.
Fixed
Buy-to-Let

1.79%

Reverts to 4.99%

2

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Tracker
Buy-to-Let

2.65%

Reverts to 4.49%

2

Years

70%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


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  • Call 0117 332 6063
  • Independent mortgage advice
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With a CAM mortgage, rather than paying off your mortgage debt by making monthly repayments, any money paid into the account reduces the amount you owe.

Benefits of a CAM mortgage include:

  • All-in-one finances: You will have to get used to seeing an account that seems as if it is many of thousands of pounds overdrawn, but your CAM mortgage lender will be able to show you how your finances work and how your mortgage debt is actually reducing.
  • Cheaper borrowing: One of the biggest advantages of a CAM mortgage is that it makes borrowing cheaper; unlike some offsets, a CAM mortgage allows all borrowing to be conducted at one single mortgage interest rate and this is likely to be considerably lower than personal loan rates, credit cards and overdraft charges.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker

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