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Hanley Economic BS logo
3.69% Fixed to 27/12/2023 From Hanley Economic BS
Initial rate 3.69%
Monthly cost £613 for 13 months
Overall cost 5.7% APRC
See deal
Molo Finance logo
3.95% Fixed From Molo Finance
Initial rate 3.95%
Monthly cost £630 for 0 months
Overall cost 4.2% APRC
See deal
Molo Finance logo
4.05% Fixed From Molo Finance
Initial rate 4.05%
Monthly cost £637 for 0 months
Overall cost 4.2% APRC
See deal
Darlington BS logo
4.09% Fixed to 30/09/2027 From Darlington BS
Initial rate 4.09%
Monthly cost £639 for 59 months
Overall cost 5.2% APRC
See deal
TSB logo
4.09% Fixed to 30/11/2032 From TSB
Initial rate 4.09%
Monthly cost £639 for 121 months
Overall cost 4.6% APRC
See deal
Kensington logo
4.10% Fixed From Kensington
Initial rate 4.10%
Monthly cost £640 for 0 months
Overall cost 4.4% APRC
See deal
Molo Finance logo
4.18% Fixed From Molo Finance
Initial rate 4.18%
Monthly cost £645 for 0 months
Overall cost 4.4% APRC
See deal
Danske Bank logo
4.21% Fixed to 04/01/2028 From Danske Bank
Initial rate 4.21%
Monthly cost £647 for 62 months
Overall cost 5.1% APRC
See deal
Danske Bank logo
4.21% Fixed to 04/01/2028 From Danske Bank
Initial rate 4.21%
Monthly cost £647 for 62 months
Overall cost 5.1% APRC
See deal
Danske Bank logo
4.21% Fixed to 04/01/2028 From Danske Bank
Initial rate 4.21%
Monthly cost £647 for 62 months
Overall cost 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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How much can I borrow

New rules have been introduced that have altered the way lenders view applications. The amount you can borrow will depend on your personal circumstances, and as a self employed person it is likely that banks will request the following:

  • Details of the property
  • Details of your employment
  • A number of months bank statements
  • Three years’ worth of tax returns

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How to calculate mortgage repayments

You can calculate how much your mortgage repayments will be with our mortgage calculator.

To operate the mortgage calculator simply input:

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Once you have correctly provided the information required, the calculator will produce a list of the best mortgages for you.

What is a fixed rate mortgage?

A fixed rate mortgage is a mortgage that provides a set interest rate for an agreed amount of time. Typically banks will offer fixed rate mortgages for 2,3,4 or 5 years.

Securing a set interest rate for a prolonged period of time may seem like a good idea. However, it should be noted that interest rates may fluctuate during your fixed term, so an interest rate that looks attractive now may not be so favourable a few years down the line.

What is a tracker rate mortgage?

A tracker mortgage is a mortgage that has an interest rate that is closely linked to the Bank of England’s base rate mortgage. Therefore, if the Bank of England hikes their interest rate, then tracker mortgages’ interest rate will increase.

Repayment or interest only

Repayment mortgages: allow you to repay both the mortgage and its interest at the same time. The repayment mortgages typically have higher monthly mortgage payments.

Interest only mortgages: only require you to pay the interest of the mortgage. The loan repayments are often lower than other mortgages and can help you qualify for a larger mortgage in the future.

Making overpayments

Overpaying on your mortgage could be a good way to pay of your mortgage quickly. It is important to note that some lenders are not prepared to allow overpayments, and could charge early repayment charges to those who overpay on their mortgage.

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.

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