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Call NatWest 0800 096 1616
NatWest logo
Fixed Jan-2022 From NatWest
Initial rate 1.28% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Market Leading 2 Year Fixed Rate. Interest Only Option
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Jan-2022 From Virgin Money
Initial rate 2.19% Jan-2022
Maximum LTV 90%
Overall cost of comparison 4.5% APRC
See deal
£500 Cashback
£500 Cashback with this 10% Deposit Deal from Virgin Money
Call Post Office 0808 178 6813
Post Office logo
Fixed Nov-2021 From Post Office
Initial rate 1.27% Nov-2021
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Jan-2022 From Royal Bank Of Scotland
Initial rate 1.28% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Nov-2021 From Post Office
Initial rate 1.46% Nov-2021
Maximum LTV 75%
Overall cost of comparison 4.1% 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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  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

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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

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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

Lenders have changed the way they review mortgage applications to comply with the new rules surrounding the mortgage lending market.

Affordability has become the main focus for lenders. In order to assess the affordability of a mortgage, lenders have will often require the following:

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

If you need a mortgage for 25 years, find our mortgage table above that shows the best mortgage deals available.

How to calculate mortgage repayments

The size of the monthly mortgage payments can be a deciding factor when looking at a mortgage.

If you want to see what your monthly mortgage payments could be, use our mortgage calculator.

Input the following information and see the list of mortgage deals our calculator provides:

  • 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

A fixed rate mortgage is a mortgage that allows you to get a set interest rate for a period of time. High street banks usually offer fixed terms for 2,3,5 or 10 years.

Getting an interest rate guaranteed for a period of time can help you forecast your finances for the near future. However, when looking to take out a fixed rate mortgage, bear in mind that interest rates change over time. Therefore, if you get the best interest rate for a fixed term today, it may not be the best rate in the middle of your fixed term.

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

What is a tracker rate mortgage

Tracker mortgages are mortgages that have varied interest rates. Tracker mortgages’ interest rates are determined by the Bank of England’s base interest rate. This means that tracker mortgages’ interest rates increase when the Bank of England raise their base rate.

Repayment or interest only

Repayment mortgages require you to pay both the capital and the interest of a mortgage. As a result, these mortgages tend to have higher monthly payments. Repayments mortgages may be an attractive mortgage option, as they enable you to own the property outright at the end of the mortgage.

Interest only mortgages typically have lower mortgage payments than other mortgages, as you only need to pay the interest on the mortgage. It is important to note that, interest only mortgages do not allow you to own the property at the end of the mortgage.

Making overpayments

Some lenders are willing to accept overpayments on a mortgage. This may be advantageous, especially if you want to pay off your mortgage quickly. Before making any overpayments, it is advisable to speak to your mortgage provider, as some mortgage providers levy early repayment mortgage charges.

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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