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This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.45% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.55% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.55% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.55% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.58% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.61% Dec-2020
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.63% Sep-2020
Maximum LTV 75%
Overall cost of comparison 4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2020 From Virgin Money
Initial rate 1.65% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2020 From Virgin Money
Initial rate 1.65% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.3% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.65% Dec-2020
Maximum LTV 60%
Overall cost of comparison 4% 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

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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

Lenders have recently changed the way they review applications due to the new rules introduced to the mortgage market.

Lenders appetite for lending will depend on the affordability of the mortgage, and they will often review your employment, your income, your monthly outgoings and other factors when deciding whether to lend.

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

How to calculate mortgage repayments

If you want to plan how much you will repay each month, then use our UK mortgage repayment calculator above.

To figure out how much you will pay on your mortgage, complete the fields with the following:

  • 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

The UK mortgage repayment calculator will provide you with a breakdown of all the mortgages available.

What is a fixed rate mortgage

A fixed rate mortgage is a mortgage that has a set interest rate for an agreed amount of time. Usually banks will offer a fixed rate of interest for the first 2,3,5 or 10 years.

The interest rate offered will vary depending on the length of the term. It should be noted that although you could secure a rate for a long period of time, there is no telling what the interest rates will look like half way through the fixed term. For example an attractive interest rate now may not look so good in a few years’ time.

Post Office Mortgage OffersPost Office offer a great range of mortgage offers - Click here »

What is a tracker rate mortgage

Tracker rate mortgages are mortgages with interest rates that are linked to the Bank of England’s base rate. This means that tracker mortgages’ interest rates increase when the Bank of England hike their base rate.

Repayment or interest only

Repayment mortgages require you to pay both the capital and interest of a mortgage at the same time. This means that the monthly payments are usually much higher than other mortgages.

If you want a lower mortgage payment, you might want to explore your interest only mortgage options. This is because interest only mortgage payments are usually much lower than other mortgages. However, it should be noted that interest only mortgages do not allow you to build equity in the property.

Making overpayments

You can pay off your mortgages quicker through making overpayments. If you plan to do this, you should check with your mortgage provider first. This is because some lenders do not allow overpayments, and the majority of banks will impose 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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