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Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2021 From Post Office
Initial rate 1.43% Sep-2021
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Oct-2021 From Royal Bank Of Scotland
Initial rate 1.53% Oct-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Oct-2021 From NatWest
Initial rate 1.53% Oct-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2021 From Virgin Money
Initial rate 1.72% Nov-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2021 From Post Office
Initial rate 1.77% Sep-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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Mortgage Quotes & Advice

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  • FREE initial mortgage consultation
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  • 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

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We are 100% independent. Find the best mortgage rates from UK lenders...

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

New mortgage lending rules have affected the way lenders review mortgage applications. The affordability of the mortgage will now be the lenders’ priority, and to assess affordability lenders will often request the following for an application.

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

If you need a £300,000 mortgage, find our mortgage table above that shows the best mortgage deals available.

How to calculate mortgage repayments

One of the main factors when deciding whether to take out a mortgage is the size of the mortgage repayments.

To find out how much you may pay each month, use our mortgage calculator.

Simply input the following information into the corresponding fields of the mortgage calculator:

  • 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

Once all the necessary information has been entered, the mortgage calculator will find all the mortgage deals available to you.

 What is a fixed rate mortgage

The majority of high street banks offer fixed rate mortgages. These mortgages provide the opportunity to secure a set interest rate for an introductory period. The fixed rate period will normally be for 2,3,5 or 10 years.

Before agreeing to take out a fixed rate mortgage, you need to remember that the interest rate you secure at the start of your fixed rate term may not be as competitive by the end of your fixed rate term. This is because interest rates change over time, and there is no way of knowing exactly what interest rates will look like in the future.

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

What is a tracker rate mortgage

A tracker mortgage is a type of mortgage with a variable interest rate. Tracker mortgages’ interest rates are determined by the Bank of England’s base interest rate. Therefore, if the Bank of England raised their base interest rate, then tracker mortgages’ interest rates would follow suit.

Repayment or interest only

If you want to get a mortgage that allows you to own a property outright at the end of the mortgage, then you might want to take out a repayment mortgage. Typically, repayment mortgages have relatively high monthly payments, as they require you to pay both the capital and the interest on your mortgage.

If you are more concerned about just getting on the property ladder, then you might want an interest only mortgage. Generally, interest only mortgages have smaller monthly payments. This is because you only have to pay the interest on the mortgage.

Making overpayments

Making overpayments on your mortgage might be appealing because it can allow you to repay your mortgage faster. Some lenders on the high street are flexible and allow you to make as many overpayments as you like. However, there are some lenders that prohibit overpayments, and they will levy large early repayment charges if overpayments are made. Therefore, before you make any overpayment on your mortgage you should always check with your mortgage provider.

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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