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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 HSBC 0800 077 4336
HSBC logo
Tracker 2 years From HSBC
Initial rate 1.19% 2 years
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Tracker Oct-2020 From Virgin Money
Initial rate 1.50% Oct-2020
Maximum LTV 70%
Overall cost of comparison 4.3% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.53% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.54% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 068 7706
Royal Bank Of Scotland logo
Fixed Dec-2020 From Royal Bank Of Scotland
Initial rate 1.54% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.54% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.8% 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 HSBC 0800 077 4336
HSBC logo
Fixed Nov-2021 From HSBC
Initial rate 1.62% Nov-2021
Maximum LTV 60%
Overall cost of comparison 3.5% 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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Our independent mortgage service provides:

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  • Access to exclusive mortgage deals not available on the high street
  • 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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Compare Virgin Money with the best mortgage rates from other 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

Mortgage lenders including Virgin Money have adopted a different approach to the way they consider mortgage applications, due to the new rules surrounding the mortgage lending market.

Lenders now will prioritise affordability of the mortgage over everything else, and will now request details of your employment, your income, your monthly outgoings to support your mortgage application.

Find our mortgage table above that shows best mortgage deals available.

How to calculate mortgage repayments

One of the deciding factors in taking out a mortgage is how high the monthly payments are.

You can find out how much you will pay each month for your mortgage by using our mortgage calculator.

Complete the fields on our mortgage calculator with the following information:

  • 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 the information above has been input, the mortgage calculator will provide the details of the most favourable mortgages for your set of circumstances.

What is a fixed rate mortgage

It is possible to get a fixed interest rate on your mortgage for a prolonged period of time. Traditional lenders, such as banks, offer fixed rate mortgages for 2,3,5 or 10 years.

A fixed rate mortgage could enable you to forecast your finances more easily, as you will know precisely how much you need to pay each month on your mortgage. However, note that interest rates today will be different to interest rates a few years down the line. Therefore, the interest rate you secure today may not look as good in the middle of your fixed rate period.

Virgin Money offer a fixed rate mortgage with competitive interest rates and a variety of loan to value options.

What is a tracker rate mortgage

There are mortgages with variable interest rates, these are called tracker mortgages. The interest rates offered through tracker mortgages are heavily dependent on the Bank of England’s base rate, which means that tracker mortgages’ interest rates increase when the Bank of England hikes its base rate.

Repayment or interest only

Mortgages that allow you to own the property outright at the end of the mortgage are called repayment mortgages. These are usually more expensive because the monthly mortgage payments are made up of the capital and the interest on the mortgage.

There are mortgages that you can secure that do not give you the opportunity to own the property at the end of the mortgage called interest only mortgages. These mortgages are often cheaper than other mortgages, as you only have to pay the interest on the mortgage.

Making overpayments

There are lenders on the market that allow borrowers to make overpayments on their mortgages. Making overpayments on a mortgage can help you pay off your mortgage more quickly. It should be noted that not all lenders are prepared to accept mortgage overpayments; some lenders even penalise overpayments with early repayment charges.

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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