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Mortgage News

Over £250 billion of UK Mortgages not covered by life insurance

Colm Hebblethwaite / 09 November 2011

A large number of people in the UK have taken out a mortgage in order to get their feet firmly on the property ladder, but a new study has shown that a substantial amount of these people do not have... Read more

104% increase in buy to let mortgage deals over the last three years

Colm Hebblethwaite / 27 October 2011

New statistics released by Defaqto have revealed that the amount of buy to let mortgage deals on the market has risen by 104% since 2008.  In October 2008, there were 237 buy to let mortgage pr... Read more

HSBC to make £350 million available for first time buyer mortgages

Colm Hebblethwaite / 14 October 2011

There has been a longstanding war of words between the UK’s financial institutions and various government ministers over the amount of money that is being set aside for first time buyer mortga... Read more

Mortgages

Our selection of leading mortgage deals Sevi Ioannou
"Finding the right mortgage can be confusing, especially while uncertainty over interest rates continues. We work with high street lenders to bring you a selection of leading mortgage deals, whether you are looking for a remortgage, are a first time buyer or looking to buy to let. Use the tables below to find the best mortgage for you. Alternatively, we can put you in touch with our award winning mortgage advice partner."
Sevi Ioannou, head of Mortgages & Insurance
Mortgage Deal Selection - Call Lender Direct
Initial RateProviderTermTypeAPR*LTV 
2.09%
2 Years2 Year Tracker4.00%60%More Info >
  • Call 0800 077 3454 to speak to a Santander mortgage specialist
  • Not available to first time buyers
  • £1,995 booking fee
2.35%
2 Years2 Year Fixed4.10%60%More Info >
  • Call 0800 077 3454 to speak to a Santander mortgage specialist
  • Available to all customers
  • £1,995 product fee
2.35%
2 Years2 Year Tracker Exclusive4.00%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £1,499 product fee
  • Only available to existing current account customers
2.45%
2 Years2 Year Tracker4.00%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee.
2.45%
2 Years2 Year Tracker4.00%60%More Info >
  • Call 0800 068 7624 to speak to an RBS mortgage specialis
  • £999 product fee
2.85%
2 Years2 Year Fixed4.10%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee
  • For purchase or remortgage
2.85%
2 Years2 Year Tracker Fee Free4.00%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • No product fee.
2.89%
2 Years2 Year Tracker4.00%75%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee.
2.89%
2 Years2 Year Tracker4.00%75%More Info >
  • Call 0800 068 7624 to speak to an RBS mortgage specialis
  • £999 product fee
3.09%
2 Years2 Year Fixed Rate3.90%60%More Info >
  • Call 0845 0701 720 to speak to a Woolwich mortgage specialist
  • Other terms available
  • £999 product fee
*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

Tracker Mortgage Deal Selection - Call Direct
Initial RateProviderTermTypeAPR*LTV 
2.09%
2 Years2 Year Tracker4.00%60%More Info >
  • Call 0800 077 3454 to speak to a Santander mortgage specialist
  • Not available to first time buyers
  • £1,995 booking fee
2.35%
2 Years2 Year Tracker Exclusive4.00%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £1,499 product fee
  • Only available to existing current account customers
2.45%
2 Years2 Year Tracker4.00%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee.
*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

Fixed Rate Mortgage Deal Selection - Call Direct
Initial RateProviderTermTypeAPR*LTV 
2.35%
2 Years2 Year Fixed4.10%60%More Info >
  • Call 0800 077 3454 to speak to a Santander mortgage specialist
  • Available to all customers
  • £1,995 product fee
2.85%
2 Years2 Year Fixed4.10%60%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee
  • For purchase or remortgage
2.85%
2 Years2 Year Fixed4.10%60%More Info >
  • Call 0800 068 7624 to speak to an RBS mortgage specialist
  • £999 product fee
  • For purchase or remortgage
*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 


First Time Buyer Mortgage Deal Selection - Call Direct
Initial RateProviderTermTypeAPR*LTV 
2.89%
2 Years2 Year Tracker4.00%75%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
  • £999 product fee.
2.89%
2 Years2 Year Tracker4.00%75%More Info >
  • Call 0800 068 7624 to speak to an RBS mortgage specialis
  • £999 product fee
4.59%
Life of the mortgageLifetime Tracker4.70%90%More Info >
  • Call 0800 077 4340 to speak to the HSBC mortgage team
  • Available to all customers
  • No product fee
  • Maximum mortgage size £400,000
*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

Buy to Let Mortgage Deal Selection - Call Direct
Initial RateProviderTermTypeAPR*LTV 
3.89%
2 Years2 Year Tracker Buy-to-Let4.70%75%More Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist.
  • £1,999 product fee.
3.89%
2 Years2 Year Tracker Buy-to-Let4.70%75%More Info >
  • Call 0800 068 7624 to speak to an RBS mortgage specialist.
  • £1,999 product fee.
3.98%
2 Years2 Year Fixed Rate Buy to Let5.10%60%More Info >
  • Call 0845 0701 720 to speak to a Woolwich mortgage specialist
  • Borrow from £125,000 - £250,000
  • Other terms available
  • £3,999 product fee
*APR = Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

Mortgage Guide

A mortgage is basically a loan which is secured against your home. In return for a loan to help buy your home as part of your mortgage agreement you agree to repay the loan and any interest over a set term. If for any reason you are unable to make repayments the mortgage company have the right to reposess your home to recover their money. As a mortgage is for most people the largest financial transaction they will make it is important that the following factors are considered:

 

  • Affordability - In this respect when you are considering buying a property or moving house it is very important you can afford to pay back what you borrow. If you opt for an interest only mortgage it is imperative that you make adequate provision to pay off the mortgage when the mortgage term expires. Use our mortgage calculator to help you work out how much your monthly outgoings would be based on the amount you wish to borrow.
  • Change in Circumstances - In a period of low interest rates borrowing is cheap, but if interest rates rise this can have a significant impact on mortgage repayments. It is important that mortgage repayments are affordable now and any future interest rate rises are considered as part of the budgeting exercise. Also consider how you would cope if your employment situation changed and your income stopped or reduced. In this respect you may want to consider mortgage payment protection insurance.
  • Mortgage Type - There are a range of different types of mortgage product and it is important you choose the right mortgage for your circumstances. If you are unsure you should seek independent mortgage advice. 

 

Mortgages are offered by banks, building societies and specialist lenders who will on the whole be regulated by the Financial Services Authority (FSA). This is also the case of mortgage brokers who advise on mortgages. You should check that the mortgage company or adviser you are dealing with is registered on the FSA website as this will provide you with a route to make a complaint if things go wrong.

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