Indicative Rates
BoE Base3.75%
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
Nationwide2yr Fix3.59% 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70% 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00% 0.10£899 fee
Nationwide5yr Fix4.04% 0.03£999 fee
AVG 2YR4.53%
AVG 5YR4.94%
--:--:--60% LTV · Feb 2026
MB

Mark Beck

Senior Mortgage & Protection Specialist

CeMAP 24 years experience

Mark brings 24 years of financial services experience — the last 14 specialising exclusively in mortgage advice. He has a proven track record with complex cases, particularly personal and limited company buy-to-let, self-employed borrowers, and clients with adverse credit histories. His patience and tenacity have helped clients through even the most challenging situations, including a case where he supported a client over 18 months through a messy divorce to finally secure their new home.

Specialisms

Personal & Ltd Company BTLSelf-employed mortgagesAdverse creditComplex cases

Articles by Mark Beck

15 January 2026

How Much Deposit Do You Need for a First-Time Buyer Mortgage?

A comprehensive guide to first-time buyer mortgage deposits in the UK. Learn about minimum deposits, how to save, and schemes that can help.

5 December 2025

Stamp Duty Explained: Rates, First-Time Buyer Relief, Second Home Surcharge & SDLT Examples

A complete guide to Stamp Duty Land Tax (SDLT): how it’s calculated, rates for first-time buyers, movers and landlords, second home surcharges, high-value property rules and reclaim options when replacing your main residence.

28 November 2025

What is a First Time Buyer: Comprehensive Guide 2025

What is a First Time Buyer. Explore the benefits and what to consider before applying. Read more!

12 September 2025

Right to Buy Mortgages: Comprehensive Guide 2025

Right to Buy Mortgages can help you get on the property ladder. Explore the benefits and what to consider before applying. Read more!

10 September 2025

Joint Mortgage With Bad Credit: Essential Guide 2025

Joint mortgage with bad credit can seem challenging, but it’s not impossible. Many couples or co-applicants find themselves in these situations.

15 August 2025

Right to Acquire Mortgages: Comprehensive Guide 2025

Right to Acquire Mortgages can help you get on the property ladder. Explore the benefits and what to consider before applying. Read more!

1 August 2025

Mortgages for New Build Homes in 2025

Mortgages for New Build homes can help you secure your dream home. Explore the benefits and what to consider before applying. Read more!

22 June 2025

Essential Guide to Mortgage Deposits: What You Need to Know

Discover the essentials of mortgage deposits, including tips, requirements, and common pitfalls. Read on to make informed decisions for your home purchase.

18 June 2025

Your Guide to Remortgaging a Shared Ownership Property 2025

Discover practical steps for remortgaging a shared ownership property. Navigate the process confidently and make informed financial decisions. Read more.

2 May 2025

Guarantor Mortgage for First-Time Buyers: 2025

Guarantor mortgage can help first-time buyers secure their dream home. Explore the benefits and what to consider before applying. Read more!

18 April 2025

Top Joint Borrower Sole Proprietor Mortgages Explained

Joint borrower sole proprietor mortgages, their benefits, and comparisons to make informed financial decisions. Read more now!

28 February 2025

First Time Buyer Mistakes to Avoid When Getting a Mortgage

Avoid costly mistakes as a first-time buyer in the mortgage process. Learn what to steer clear of and make informed decisions. Read the article now!

8 February 2025

Buy to Let Mortgages for First Time Buyers: Essential Guide

Buy-To-Let mortgages for first time buyers, discover everything you need to know. Get practical tips and insights to make informed decisions.

30 January 2025

The Best Guide to Family Springboard Mortgages

Explore the essentials of Family Springboard Mortgages for first-time buyers. Learn how to navigate the process!

15 January 2025

Essential Mortgage Jargon A-Z: Your Guide to Key Terms Made Simple

Navigate the mortgage process with confidence. Understand essential terms and simplify your home buying journey. Read the article for clear insights.

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