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Residential Mortgages

If you are looking for a residential mortgage between £500,000 and £10,000,000 our in-house advisors will provide an initial decision as soon as possible, and our experienced mortgage advice team then make a bespoke recommendation based on your specific circumstances.

Our service is personal, bespoke, and in the best traditions of the discretion and appreciation of luxury for which Harrods is renowned. We also have extensive expertise in understanding and arranging mortgage finance for international customers, for whom our heritage in, and knowledge of, the London property market can prove particularly valuable.

Residential Mortgage Products

Residential Fixed Rate
View our Residential Fixed Rate Mortgages 
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Residential Tracker
View our Residential Tracker Mortgages
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Residential Foreign Currency
View our Foreign Currency Mortgages 
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CURRENT MORTGAGE INTEREST RATES EFFECTIVE FROM 15 February 2017

We approach the process of arranging suitable finance with flexibility and a highly personal focus. Our service is personal,  bespoke, and in the best traditions of the discretion and appreciation of luxury for which Harrods is renowned. Whether you have come to us direct or from one of our selected partners, our approachable team will work with you to offer the best service possible. In addition to providing our domestic customers with a bespoke service in this area, we have extensive expertise in understanding and arranging mortgage finance for international customers, for whom our heritage in, and knowledge of, the London property market can prove particularly valuable.
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Residential 2 Year Fixed Capital & Interest Special
Initial interest rate
1.99%
APR
4.60%
Product fee †
Minimum 1% Arrangment fee
LTV
75% repayment
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 2 year fixed rate
Initial interest rate
2.44%
APR
4.60%
Product fee †
Minimum 1% arrangement fee
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 3 year fixed rate
Initial interest rate
2.69%
APR
4.50%
Product fee †
Minimum 1% arrangement fee
 
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
3% Year 1&2
1% Year 3
Annual overpayment allowance
5%
More Information
Product
Residential 5 year fixed rate
Initial interest rate
3.19%
APR
4.40%
Product fee †
Minimum 1% arrangement fee
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
3% Year 1&2
2% Year 3&4
1% Year 5
Annual overpayment allowance
5%
More Information
Product
Residential 2 Year Tracker
Initial interest rate
2.49%
(BoE rate + 2.24%)
APR
4.60%
Product fee †
Minimum 1.00% arrangement fee
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 3 Year Tracker
Initial interest rate
2.89%
(BoE rate + 2.64%)
APR
4.50%
Product fee †
Minimum 1.00% arrangement fee
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 5 Year Tracker
Initial interest rate
3.44%
(BoE rate + 3.19%)
APR
4.50%
Product fee †
Minimum 1.00% arrangement fee
LTV
£500k - £1M 70% repayment
£1M - £2.5M 75% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Residential 2 Year Fixed Capital & Interest Special
Initial interest rate
1.99%
APR
4.60%
Product fee †
Minimum 1% Arrangement fee
LTV
 70% repayment
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 2 year fixed rate
Initial interest rate
2.49%
APR
4.60%
Product fee †
Minimum 1% arrangement fee
LTV
70% repayment
65% interest-only
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 3 year fixed rate
Initial interest rate
2.74%
APR
4.50%
Product fee †
Minimum 1% arrangement fee
 
LTV
70% repayment
65% interest-only
Early repayment charges
3% Year 1&2
1% Year 3
Annual overpayment allowance
5%
More Information
Product
Residential 5 year fixed rate
Initial interest rate
3.24%
APR
4.40%
Product fee †
Minimum 1% arrangement fee
LTV
70% repayment
65% interest-only
Early repayment charges
3% Year 1&2
2% Year 3&4
1% Year 5
Annual overpayment allowance
5%
More Information
Product
Residential 2 Year Tracker
Initial interest rate
2.49%
(BoE rate + 2.24%)
APR
4.60%
Product fee †
Minimum 1.25% arrangement fee
LTV
70% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 3 Year Tracker
Initial interest rate
2.89%
(BoE rate + 2.64%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
70% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 5 Year Tracker
Initial interest rate
3.44%
(BoE rate + 3.19%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
70% repayment
65% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Residential 2 year fixed rate
Initial interest rate
2.74%
APR
4.70%
Product fee †
Minimum 1% arrangement fee
LTV
65% repayment
60% interest-only
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 3 year fixed rate
Initial interest rate
3.04%
APR
4.60%
Product fee †
Minimum 1% arrangement fee
 
LTV
65% repayment
60% interest-only
Early repayment charges
3% Year 1&2
1% Year 3
Annual overpayment allowance
5%
More Information
Product
Residential 5 year fixed rate
Initial interest rate
3.59%
APR
4.50%
Product fee †
Minimum 1% arrangement fee
LTV
65% repayment
60% interest-only
Early repayment charges
3% Year 1&2
2% Year 3&4
1% Year 5
Annual overpayment allowance
5%
More Information
Product
Residential 2 Year Tracker
Initial interest rate
2.49%
(BoE rate + 2.24%)
APR
4.60%
Product fee †
Minimum 1.25% arrangement fee
LTV
65% repayment
60% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 3 Year Tracker
Initial interest rate
2.94%
(BoE rate + 2.69%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
65% repayment
60% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 5 Year Tracker
Initial interest rate
3.54%
(BoE rate + 3.29%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
65% repayment
60% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
 
 
Product Initial interest rate Overall cost for comparison (APR) Product Fee † Loan to Value (LTV) Early Repayment charges Annual overpayment allowance More Information
Product
Residential 2 year fixed rate
Initial interest rate
2.99%
APR
4.70%
Product fee †
Minimum 1% arrangement fee
LTV
60% repayment
55% interest-only
Early repayment charges
3% Year 1
1% Year 2
Annual overpayment allowance
5%
More Information
Product
Residential 3 year fixed rate
Initial interest rate
3.24%
APR
4.60%
Product fee †
Minimum 1% arrangement fee
 
LTV
60% repayment
55% interest-only
Early repayment charges
3% Year 1&2
1% Year 3
Annual overpayment allowance
5%
More Information
Product
Residential 5 year fixed rate
Initial interest rate
3.84%
APR
4.60%
Product fee †
Minimum 1% arrangement fee
LTV
60% repayment
55% interest-only
Early repayment charges
3% Year 1&2
2% Year 3&4
1% Year 5
Annual overpayment allowance
5%
More Information
Product
Residential 2 Year Tracker
Initial interest rate
2.49%
(BoE rate + 2.24%)
APR
4.60%
Product fee †
Minimum 1.25% arrangement fee
LTV
60% repayment
55% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 3 Year Tracker
Initial interest rate
2.94%
(BoE rate + 2.69%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
60% repayment
55% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
Product
Residential 5 Year Tracker
Initial interest rate
3.54%
(BoE rate + 3.29%)
APR
4.50%
Product fee †
Minimum 1.25% arrangement fee
LTV
60% repayment
55% interest-only
Early repayment charges
ERC - Free
Annual overpayment allowance
ERC - Free
More Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON YOUR MORTGAGE