Now those with a 15% deposit can 直す／買収する，八百長をする their mortgage for five years at just 2.01%: Yorkshire BS' new 取引，協定 is the lowest 率, but is it the best value?

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Yorkshire Building Society has 開始する，打ち上げるd the market's lowest ever five-year 直す／買収する，八百長をするd 率 mortgage for those with a 15 per cent deposit or 公正，普通株主権 in their home.

The 取引，協定 is 定価つきの at 2.01 per cent, some 0.03 cheaper than its closest competitor, but comes with a hefty 製品 料金 of £1,995.

So is this 取引，協定 現実に the cheapest out there, or are the 利益s of the low 率 outweighed by the 料金s? We take a look.

Yorkshire's new 取引，協定 is 直す／買収する，八百長をするd at 2.01 per cent but does come with a hefty 製品 料金 of £1,995

There are already plenty of cheap five-year 直す／買収する，八百長をするs out there in this 貸付金-to-value bracket.?And though Yorkshire BS is 権利 in 説 its is the lowest 率, many other 製品s come with 意味ありげに lower 料金s.?

On a £200,000 mortgage taken over 25 years, a borrower on the Yorkshire 取引，協定 would have 月毎の 返済s of £848.68.

M&S Bank has an 85 per cent 貸付金-to-value 取引，協定 at 2.04 per cent with a 料金 of £1,094.

The same mortgage on this 取引，協定 would result in 月毎の 返済s of £851.61, just a couple of 続けざまに猛撃するs a month more expensive than Yorkshire's.?

However, over the life of the mortgage you would 結局最後にはーなる 支払う／賃金ing £725 more by taking the Yorkshire 貸付金, because you are 支払う／賃金ing 利益／興味 on a bigger 料金 over 25 years.

HSBC also has a 類似して 定価つきの 85 per cent 取引，協定, at 2.09 per cent with 料金s of £999.?

月毎の 返済s on this 製品 would be around £8 more per month than Yorkshire's 取引，協定, but over the life of the mortgage would cost around £527 いっそう少なく.

TSB has an even cheaper 取引，協定 at 2.09 per cent but with just a £695 料金. Again this would result in marginally higher 月毎の repa yments but a saving of around £830 over the long run.

So while YBS's new 取引，協定 looks cheap and 申し込む／申し出s the lowest 月毎の 支払い（額）s, there are 代案／選択肢 選択s out there that will cost いっそう少なく 全体にわたる.

For comparison, on a £200,000 mortgage taken over 25 years, Yorkshire's 料金-解放する／自由な 2.36 per cent 選択 would result in 月毎の 返済s of?£883.20, some £34.52 more per month than its 料金-inclusive 率.?

Rachel Springall, 財政／金融 専門家 at Moneyfacts.co.uk, said: 'This new 取引，協定 from Yorkshire Building Society is likely to delight borrowers who are looking for a 競争の激しい 率 with a 信用d brand.?

'During times of 経済的な 不確定, borrowers may 井戸／弁護士席 be considering a long-称する，呼ぶ／期間／用語 直す／買収する，八百長をするd mortgage for peace of mind.

'This 取引，協定 is 現在／一般に 定価つきの as the lowest in its 部門, but as with any 取引，協定, borrowers would be wise to work out the 全体にわたる true cost of any mortgage before they commit.'?

>> Search for the best 取引，協定s yourself with This is Money and L&C's mortgage finder?

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