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Your Mortgage Results

We've searched our database and found the following products. You can change your search results using the filter and options below.  


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Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

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Your Results

What type of mortgage is best?

The first thing to compare is the different types of mortgage available. This will help you figure out what sort of mortgage will be suitable for you and your circumstances.


Fixed rate mortgages

Variable and tracker rate mortgages

Offset mortgages

Good if:

You want to know exactly how much your monthly mortgage repayments will be

You believe mortgage rates will go down in the foreseeable future

You have a decent savings pot you are happy to leave untouched for a period

Not so good if:

You think mortgage rates might go down, and are worried you’ll end up paying over-the-odds on a fixed rate deal

You’re on a tight budget and need to know exactly how much your mortgage repayments will cost you every month

You may have to dip into your savings or want to earn savings interest

Fixed rate mortgages

  • Know how much your monthly repayments will be each month for a set period.
  • Your mortgage repayments won’t increase if the Bank of England’s base rate rises.
  • May have higher rates than other types of mortgages.


fixed rate mortgage typically comes with an initial deal period, usually between two and five years (but can be longer; there are an increasing number of 10-year fixed rate mortgage deals available). The main advantage of this initial period is that you’ll know exactly what your monthly mortgage repayments will be for however long it lasts. This will enable you to plan your budget effectively, as you’ll know exactly how much you need to ring-fence for your mortgage repayments each month.


It’s worth pointing out that fixed rate mortgages tend to come with higher rates than their variable counterparts, but this is often a small price to pay for the security that fixed mortgage interest rates can offer.

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.


Speak to an award-winning mortgage broker today partner with Mortgage Advice Bureau


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Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Variable and tracker rate mortgages

  • Rates at outset tend to be relatively low on these types of mortgages.
  • The amount you pay each month could go up or down depending on wider economic conditions.


Variable and tracker rate mortgages typically have lower rates than their fixed rate counterparts, at least at the point you take the mortgage out, and can therefore be cheaper overall, but they come with far less security as the rates aren’t guaranteed.


As variable mortgage rates could change at any time, often depending on the Bank of England base rate (or other wider economic conditions), the amount you pay each month may vary. If you need to know the exact amount you’ll be required to pay back each month, then a variable rate mortgage is not for you. If, however, you believe that rates won’t go up, but are prepared for if they do, then a variable mortgage might be just right for you.


So long as you bear in mind that your mortgage rate may increase and have enough wiggle room in your budget to accommodate fluctuations in your monthly mortgage repayments, then a variable rate mortgage may be a good option for you.


Note: we’re referring here to the variable rate mortgages that can be found in our comparison charts, not those offering the lender’s standard variable rate (SVR). SVRs are usually far higher than anything else on the market and are typically what a borrower reverts to once an initial fixed or discounted rate period ends, which is why remortgaging should always be considered at the end of such a period.

Offset mortgages

  • Your savings pot effectively helps to reduce the amount of interest you’ll pay on your mortgage.
  • Offset mortgage rates are typically slightly higher than regular deals.
  • You won’t earn interest on the savings pot you link to your mortgage.
  • You may not be able to withdraw your savings during the mortgage term without incurring a penalty of some sort.


Many mortgage lenders have an offset option as part of their range; you can find the available offset mortgages by using our mortgage search and filtering accordingly. This type of mortgage might be an option for those with a decent savings pot who are unimpressed by the current rates of savings interest on offer.

With an offset mortgage, you’re able to use your savings to reduce your mortgage payments by ‘offsetting’ it against your mortgage, thereby reducing the balance you pay interest on. You don’t lose your savings in the process, as you would if you were to overpay a mortgage or put down a larger deposit, but instead agree to put your funds aside and forgo any interest you might have otherwise earned on the money.


For example, if you had a £125,000 mortgage balance and £25,000 in a linked savings account, your monthly mortgage interest would be calculated on £100,000 rather than the full balance, resulting in lower repayments. If you then switch to a different mortgage, you can get the £25,000 back to put in a savings pot that does pay out savings interest.


Depending on the state of the savings market, and the deal you can get on an offset mortgage, this might reduce your repayments by a greater amount than you would otherwise have been able to earn in savings interest. Always compare mortgage rates across the whole market before deciding, as rates may be less competitive in this sector due to its lower profile.

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