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Mortgage Commentary

Latest mortgage rate deals

James Caldwell / 23 May 2012

Mortgage rates are constantly changing and the deals available from one week to the next make finding the best mortgage rate for your circumstances not always an easy task. We have put together a se... Read more

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

Mortgages

Our selection of leading mortgage deals Sevi Ioannou

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 Rate	Provider	Term	Type	APR*	LTV
2.69%		2 Years	Tracker	4.00%	60%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee
2.69%		2 Years	Tracker	4.00%	60%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialis £999 product fee
3.09%		2 years	Tracker	4.40%	75%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 arrangement fee
3.49%		2 Years	Fixed Rate	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
3.79%		2 Years	Fixed Rate	4.50%	85%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 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 Rate	Provider	Term	Type	APR*	LTV
2.69%		2 Years	Tracker	4.00%	60%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee
2.69%		2 Years	Tracker	4.00%	60%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialis £999 product fee
3.09%		2 years	Tracker	4.40%	75%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 arrangement fee
3.49%		2 Years	Tracker	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 arrangement fee
3.79%		2 Years	Tracker	4.50%	85%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 arrangement 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 Rate	Provider	Term	Type	APR*	LTV
2.99%		2 Years	Fixed Rate	4.10%	60%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee For purchase or remortgage
2.99%		2 Years	Fixed Rate	4.10%	60%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialist £999 product fee For purchase or remortgage
3.49%		2 Years	Fixed Rate	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
3.79%		2 Years	Fixed Rate	4.50%	85%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
4.79%		2 Years	Fixed Rate NewBuy Scheme	4.30%	95%	More Info >
Call 0800 158 2934 to speak to a Natwest mortgage specialist. New purchase only. £499 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

First Time Buyer Mortgage Deal Selection - Call Direct

Initial Rate	Provider	Term	Type	APR*	LTV
3.19%		2 Years	Tracker	4.10%	75%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist £999 product fee.
3.19%		2 Years	Tracker	4.10%	75%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialis £999 product fee
3.49%		2 Years	Fixed Rate	4.50%	80%	More Info >
Call 0808 168 45 88 to speak to a Post Office mortgage specialist Available to all customers £995 product fee
4.79%		2 Years	Fixed Rate NewBuy Scheme	4.30%	95%	More Info >
Call 0800 158 2934 to speak to a Natwest mortgage specialist. New purchase only. £499 product fee.
4.99%		2 Years	Fixed Rate	4.80%	90%	More Info >
Call 0808 168 45 88 to speak to Post Office mortgage specialist Available to all customers £995 product fee
6.09%		5 Years	Fixed Rate	5.10%	90%	More Info >
Call 0800 158 2934 to speak to a Natwest mortgage specialist. New purchase only. Fee free.

*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 Rate	Provider	Term	Type	APR*	LTV
4.39%		2 Years	Tracker Buy-to-Let	4.80%	75%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist. £1,999 product fee.
4.39%		2 Years	Tracker Buy-to-Let	4.80%	75%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialist. £1,999 product fee.
4.89%		2 Years	Fixed Rate Buy-to-Let	4.90%	75%	More Info >
Call 0800 158 2934 to speak to a NatWest mortgage specialist Available to all customers £1,999 booking fee
4.89%		2 Years	Fixed Rate Buy-to-Let	4.90%	75%	More Info >
Call 0800 068 7624 to speak to an RBS mortgage specialist. Availble for buy-to-let £1,999 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

Compare Mortgages

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.