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This makes our LTV . Invalid LTV.

Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 2.01% Jan-2021
Maximum LTV 60%
Overall cost of comparison 4.3% 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.

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How much can I borrow

The new rules that govern the mortgage lending market have affected the way mortgage lenders consider applications.

Mortgage lenders will now request the following in support of an application:

  • 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

The size of the monthly mortgage repayment is a deciding factor when looking to take out a mortgage.

Use our mortgage calculator to find out how much you will pay each month.

Input the following information into our mortgage calculator to find the best deals for you:

  • 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

With a fixed mortgage you can secure a set rate of interest for an agreed period of time. It is not uncommon for high street banks to offer fixed rate mortgages for 2,3,5 or 10 years.

Fixed rate mortgages can give you peace of mind and allow you to know exactly how much you will pay each month.

It is important to note that interest rates change over the years. Therefore, the best interest rate available to you today could end up not being as good half way through your fixed rate term.

HSBC 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 have variable interest rates that are closely linked to the Bank of England’s base interest rate. Therefore, whenever the Bank of England increases or decreases their base rate, tracker mortgages react accordingly.

Repayment or interest only

Repayment mortgages: these mortgages are generally more expensive than other mortgages, as you have to pay both the capital and interest of the mortgage, but they give you the opportunity to own the property outright.

Interest only mortgages: these mortgages are often cheaper than other mortgages, as you only have to pay the interest on the mortgage. Interest only mortgages do not allow you to own the property at the end of the mortgage.

Making overpayments

There are lenders in the mortgage lending market who are prepared to accept mortgage overpayments. This may be beneficial for those looking to pay off their mortgage quickly. However, a number of lenders will levy early repayment charges if overpayments are made. Before making any overpayments, it is advisable to contact your mortgage provider.

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