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This makes our LTV . Invalid LTV.

Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2022 From NatWest
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Interest only option.
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Dec-2022 From Royal Bank Of Scotland
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2025 From NatWest
Initial rate 1.55% Dec-2025
Maximum LTV 60%
Overall cost of comparison 3.3% 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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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.

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

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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