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This makes our LTV . Invalid LTV.

Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2022 From NatWest
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
UK MARKET LEADING 2 YEAR FIXED RATE. Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2022 From Virgin Money
Initial rate 1.16% Nov-2022
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2022 From Royal Bank Of Scotland
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2025 From NatWest
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2025 From Royal Bank Of Scotland
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.42% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.1% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.47% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.64% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2023 From Virgin Money
Initial rate 1.69% Nov-2023
Maximum LTV 65%
Overall cost of comparison 3.6% APRC
See deal
Marsden BS logo
Discount Sep-2022 From Marsden BS
Initial rate 1.79% Sep-2022
Maximum LTV 60%
Overall cost of comparison 5.1% 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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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

Traditional lenders, such as high street banks, take a different approach to mortgage applications due to the new rules surrounding the mortgage lending market.

Lenders now focus more on affordability, and will require details of the following to support an application:

  • Your credit history
  • Details of your previous employment
  • Proof of your income
  • Your monthly outgoings

If you have poor credit, then you can still access a mortgage.

Find out what you could borrow with the mortgage table above.

How to calculate mortgage repayments

You can find out exactly how much you need to pay each month by using our mortgage calculator.

To see what mortgages you could access, complete the mortgage calculator fields. Enter the purpose of your mortgage, the value of the property, the amount you wish to borrow, the type of mortgage you want (either capital and interest or interest only mortgage, the length of mortgage, to see what mortgages are available to you.

What is a fixed rate mortgage

A fixed rate mortgage could enable you to secure a set interest rate on your mortgage for a number of years. The majority of banks offer fixed rate mortgages for 2,3,5 or 10 years.

When looking at fixed rate mortgages, you should bear in mind that an attractive interest rate today may not look too good in the near future.  This is because interest rates could change over the course of your fixed term, which means you could end up paying more in interest than necessary.

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

What is a tracker rate mortgage

Tracker mortgages’ interest rates are closely linked to the Bank of England’s base interest rate. Therefore, if the Bank of England increases their base interest rate, then tracker mortgages hike their interest rates.

Repayment or interest only

A mortgage that requires you to pay both the capital and the interest on a mortgage is called a repayment mortgage. This type of mortgage allows you to eventually own the property outright. It should be noted, as you are paying both the capital and interest of a mortgage, these mortgages tend to be more expensive than others.

If you want to keep your monthly mortgage payments to a minimum, you might want to take out an interest only mortgage. With these mortgages, you only need to pay the interest on the mortgage; this keeps the monthly payments down. However, it should be noted that this type of mortgage does not allow you to own the property at the end of the finance.

Making overpayments

Making overpayments on your mortgage may seem like an attractive idea, as it allows you to reduce your remaining mortgage significantly. There are some more flexible lenders that allow overpayments. However, a number of lenders will charge early repayment charges to those who repay their mortgage too quickly.

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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