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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 1.38% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.5% APRC
See deal
INTEREST ONLY
2 Year Fixed Rate - INTEREST ONLY OPTION
Call NatWest 0800 068 8567
NatWest logo
Fixed Jul-2023 From NatWest
Initial rate 2.28% Jul-2023
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
INTEREST ONLY
5 Year Fixed Rate Deal - INTEREST ONLY OPTION
Call Virgin Money 0330 057 1595
Virgin Money logo
Fixed Sep-2020 From Virgin Money
Initial rate 1.37% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.7% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jul-2020 From Post Office
Initial rate 1.38% Jul-2020
Maximum LTV 60%
Overall cost of comparison 4.5% APRC
See deal
Call Virgin Money 0330 057 1595
Virgin Money logo
Fixed Sep-2020 From Virgin Money
Initial rate 1.44% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.7% 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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  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

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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

A body of the Bank of England, the Prudential Regulation Authority, introduced new regulations that govern the buy to let mortgage market. As a result lenders view applications differently than in years’ past. Lenders now have to use a strict income stress test, require a rental coverage ratio of at least 145% and will review the applicant’s property portfolio.

Find out how much you could borrow with our mortgage table above.

How to calculate mortgage repayments

Our buy to let mortgage calculator can help you find out how much you can borrow and plan how much you can afford to pay each month.

The buy to let mortgage calculator will produce the best mortgage deals on the market, once you do the following:

  • Provide the purpose of your mortgage
  • Enter the value of the property
  • Input the amount you wish to borrow
  • Choose the type of mortgage you want
  • Indicate your preference on capital and interest or interest only mortgage
  • Decide on the length of mortgage

What is a fixed rate mortgage

If you want to have a set rate of interest for an agreed period of time, you may want to take out a fixed rate buy to let mortgage. You can usually secure a set interest rate for 2,3,5 or 10 years through the majority of high street banks.

Ensuring your mortgage interest rate remains the same for the first few years of your mortgage could be an appealing option. However, the interest rates could change during your fixed rate period, which could mean you end up paying more in interest than you have to. In the event the interest rates do change dramatically, a good interest rate now may not be as beneficial half way through your fixed term.

Post Office Mortgage OffersPost Office offer a great range of mortgage offers - Click here »

What is a tracker rate mortgage

If you are confident that the Bank of England’s base interest rate will remain low, you may want to take out a tracker mortgage; this is because tracker mortgages’ interest rates are determined by the Bank of England’s base rate.

Repayment or interest only

Repayment mortgages are mortgages that require you to pay both the capital and the interest of the mortgage each month. These mortgages usually have higher monthly mortgage payments, but do allow you to repay the mortgage in full at the end of the term.

If you are not concerned with owning the property at the end of the mortgage, then an interest only mortgage may be a good fit for you. This is because interest only mortgages only require you to pay the mortgage’s interest each month; the monthly payments are much lower as a result of this.

Making overpayments

Making overpayments on your mortgage could allow you to repay your mortgage quickly.

However, not all lenders are prepared to accept overpayments on a mortgage. It is not uncommon for some lenders to charge early repayment charges if you make overpayments.

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.