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This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.63% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Jul-2020 From Royal Bank Of Scotland
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2020 From NatWest
Initial rate 1.66% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Tracker Jul-2020 From Royal Bank Of Scotland
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Tracker Jul-2020 From NatWest
Initial rate 1.84% Jul-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2021 From Post Office
Initial rate 1.88% Jul-2021
Maximum LTV 70%
Overall cost of comparison 4% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

How much can I borrow

As a result of the introduction of new rules, mortgage lenders have adopted a different method when considering mortgage applications.

Mortgage lenders’ main focus is now the affordability of a mortgage. In support of your application, you will now be expected to provide:

  • Details of your employment
  • Your income
  • Your monthly outgoings

Find our mortgage table above that shows best mortgage deals available.

How to calculate mortgage repayments

Before taking out a mortgage it is advisable to see how much you will have to pay each month.

Our mortgage calculator can generate the best mortgage deals that are suited to your needs.

To find the best mortgage deals for you, complete the mortgage calculator with the following:

  • The purpose of your mortgage
  • The value of the property
  • The amount you wish to borrow
  • The type of mortgage you want
  • Your preference on capital and interest or interest only mortgage
  • The length of mortgage

What is a fixed rate mortgage

Fixed rate mortgages offer you the opportunity to pay a set amount of interest for the introductory period of your mortgage. Typically, high street banks offer fixed rate mortgages with introductory periods for 2,3,5 or 10 years.

By getting a fixed rate for the first few years of your mortgage, you can forecast exactly how much you will have to pay every month.

Although securing a fixed rate of interest may be appealing, interest rates will change over the course of your mortgage and the rate you secure at the start of your mortgage may not be as attractive half way through your fixed rate term.

Aldermore offer a fixed rate mortgage with competitive interest rates and a variety of loan to value options.

What is a tracker rate mortgage

Tracker mortgages are mortgages with interest rates that can change multiple times throughout the mortgage. Tracker mortgages’ interest rates are determined by the Bank of England’s base interest rate. If the Bank of England increases their base interest rate, then tracker mortgages’ interest rates increase.

Repayment or interest only

Interest only mortgages: these mortgages only require you to pay the interest on a mortgage, which means that interest only mortgages are usually cheaper than other mortgages. It should be noted that you cannot own a property outright on an interest only mortgage.

Repayment mortgages: these mortgages allow you to own the property outright at the end of the mortgage. This is because repayment mortgages include the capital and the interest of a mortgage in the monthly mortgage payments.  As a result, repayment mortgages are often more expensive than other mortgages.

Making overpayments

Making overpayments on your mortgage can help you make significant progress on your mortgage. Some lenders are happy to allow borrowers to make overpayments on a mortgage, but a number of lenders prohibit overpayments and will charge early repayments penalties. It is advisable to contact your mortgage provider if you want to make an overpayment.

If you want to explore your mortgage options, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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mortages.direct is a trading style of Fair Investment Company.

We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands.