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This makes our LTV . Invalid LTV.

Call NatWest 0800 068 8567
NatWest logo
Fixed Apr-2020 From NatWest
Initial rate 1.38% Apr-2020
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
FREE VALUATION
NatWest will pay your standard valuation fee
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.44% Apr-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE VALUATION
Post Office will pay your standard valuation fee
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.53% Apr-2020
Maximum LTV 85%
Overall cost of comparison 4.1% APRC
See deal
£500 CASHBACK
£500 CASHBACK, FREE VALUATION (standard valuation fee) and £0 PRODUCT FEE
Call NatWest 0800 068 8567
NatWest logo
Tracker Apr-2020 From NatWest
Initial rate 1.59% Apr-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
FREE VALUATION
FREE VALUATION and FREE LEGALS with this mortgage
Call HSBC 0800 077 4336
HSBC logo
Tracker 2 years From HSBC
Initial rate 1.24% 2 years
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.32% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.33% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.39% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% 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.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

How much can I borrow

New rules have been implemented that have changed the mortgage lending market. Lenders now prioritise the affordability of a mortgage over anything else. In order to submit an application for a mortgage you will need to provide:

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

If you are retired and need a mortgage, find out what you could borrow with the mortgage table above.

How to calculate mortgage repayments

It is important to know exactly what your monthly mortgage payments will be, especially throughout retirement.

To get an idea of the size of your monthly mortgage payments, use our mortgage calculator.

Complete the fields with the information requested to find out the best mortgages available to you.

Simply enter the following information into the mortgage calculator to see what mortgages you could access:

  • 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

What is a fixed rate mortgage

A fixed rate mortgage gives you the chance to secure an interest rate for a set period of time. The majority of banks will offer fixed rate mortgages for 2,3,5 or 10 years.

Keeping your monthly mortgage payments at the same level for an extended period may be an appealing prospect. However, when choosing the length of a fixed term, you need to consider the possibility that interest rates will change during your fixed term. Therefore, a good interest rate today may not be the best interest rate mid-way through your fixed term.

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

What is a tracker rate mortgage

Tracker mortgages, or variable mortgages, have interest rates that are dependent on the Bank of England’s base interest rate. This means that tracker mortgages’ interest rates will increase if the Bank of England hikes its base rate.

Repayment or interest only

Interest only mortgages: only requires you to pay the interest on a mortgage. Typically, these mortgages are cheaper than other mortgages. Interest only mortgages do not enable you to own the property at the end of the finance.

Repayment mortgages: require both the capital and the interest of a mortgage to be paid. Although the monthly mortgage payments are usually higher than other mortgages, you will be able to own the property at the end of the mortgage.

Making overpayments

There are lenders on the market that are prepared to allow you to over pay your mortgage. Making overpayments on your mortgage could be a good way to make substantial progress on paying off your mortgage. However, note that not all lenders allow overpayments. A number of lenders will levy early repayment charges to those who make overpayments.

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.