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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
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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

Mortgage lenders have altered the way they view mortgage applications as a result of new rules affecting the mortgage market.

Lenders will now look at the affordability of the mortgage with more scrutiny than before.  Lenders will ask for the following information upon application:

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

If you need a mortgage for 20 years, find our mortgage table above that shows the best mortgage deals available.

How to calculate mortgage repayments

Before taking out a mortgage, it is important to calculate just how much you will have to pay each month.

If you need help working out how much a mortgage will cost, then use our mortgage calculator.

Complete the mortgage calculator compulsory fields with the following information:

  • 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

After inputting the information as required, the mortgage calculator will generate a list of the best mortgage deals available to you.

What is a fixed rate mortgage

A fixed rate mortgage is a type of mortgage that offers a fixed interest rate for an introductory period. The majority of banks will offer a fixed rate mortgage for 2,3,5 or 10 years.

Securing an interest rate for a set period of time can help you organise your finances for the near future. However, as interest rates can fluctuate over time, the interest rate you secure at the start of the fixed mortgage may not be as competitive at the end of the term.

Post Office RemortgagePost Office are offering some great fixed rates on their mortgages.

What is a tracker rate mortgage

Tracker mortgages are mortgages with variable interest rates. The interest rate offered by a tracker mortgage is heavily dependent on the Bank of England base interest rate. If the Bank of England raise the base rate, then tracker mortgages’ interest rates will increase.

Repayment or interest only

Repayment mortgages: these types of mortgages usually have higher mortgage payments, as you will need to pay both the capital and the interest on the mortgage.

Interest only mortgages: these types of mortgages often have lower mortgage payments, as you only need to pay the interest on the mortgage. It is important to note that, unlike repayment mortgages, interest only mortgages do not allow you to own the property at the end of the mortgage.

Making overpayments

You can pay off you mortgage faster by making overpayments. However, you should always check with you mortgage provider before making any overpayments, as some lenders will charge significant early repayment penalties if an overpayment is made.

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.