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Ipswich Building Society provides mortgages for homeowners, self-builders and buy to let landlords and mainly operates in the East of England region.

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:

Compare Ipswich mortgages

Finding the right mortgage requires you to compare the various offers from across the market to see which best matches your needs. Ipswich Building Society offer various types of mortgages for different kinds of borrowers.

Homeowner mortgages

You can take out fixed rate, variable rate and tracker mortgages with Ipswich Building Society towards buying or building a home. They offer standard homeowner mortgages for buying a property, as well as mortgages aimed specifically at self-builders and the self-employed.

They also offer a particular type of mortgage they refer to as a “SWEAT equity mortgage”. This allows you to reduce your borrowing if you are willing to do some of the work yourself to finish off a new build house, such as taking care of the internal fitting out.

Buy to Let mortgages

Ipswich Building Society will lend up to 75% of a buy to let property’s value to prospective landlords and current landlords looking to expand their portfolio. Properties must be let on an approved Assured Shorthold Tenancy basis and the rental income must equal at least 125% of the monthly interest-only mortgage payments.

Remortgaging with Ipswich

If you want to get a better deal on your mortgage or raise extra equity for home improvements or other purposes, you could look at remortgaging with Ipswich Building Society.

This can allow you to borrow at a better rate than with your existing mortgage, allowing you to cut your monthly payments. Alternatively, by borrowing more you can end up with an extra lump sum after your old mortgage is paid off.

Second charge mortgages

If you want to borrow more, is can sometimes be cheaper to take out a separate secured loan, rather than switching to a larger mortgage. This type of additional secured borrowing is known as a second charge mortgage.

Loan to value ratio

One of the key pieces of information mortgage providers use to decide how much they will be willing to lend you is your loan to value (LTV) ratio. This shows them how much you want to borrow relative to the market value of the property you wish to borrow against.

For example, if you are looking at purchasing a home worth £100,000 and need to borrow £50,000 as a mortgage, your LTV would be 50% as the loan is 50% of the value of the property. LTV takes account of all borrowing secured against a property, so if you later decided to take out a second secured loan on that same house for an extra £25,000, it would make your total LTV 75%.

The lower your LTV, the better interest rates you are likely to be offered.

Find the best deals on mortgage rates

To get the best deal on your mortgage, you need to be able to compare interest rates and other details on mortgages from across the industry. Our mortgage calculator makes this easy for you, by showing you appropriate deals from all the top providers in one place.

All you have to do is put in some basic information about your borrowing needs and personal finances and the mortgage calculator does the rest. This allows you to easily compare and contrast the various offers that match your needs.

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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