Effects of making overpayments

Making regular overpayments on your mortgage can save you a significant amount of money, find out how much with this mortgage calculator.

Popular Offset Mortgages

Mortgage Type

Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR).
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Buy to Let: For landlords purchasing a property for letting.

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

The interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

Barclays
Openplan FM 2yr BBR + 2.79% Offset Ex/C LTV 70%
[Show Details]		Tracker3.29%31/05/20143.89%3.90%70%£749MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Customer:Yes
Existing Customer Type:current account
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 070 1569
Available for existing Barclays customers only.
Barclays
Openplan FM 2yr BBR + 2.79% Offset LTV 70%
[Show Details]		Tracker3.29%31/05/20143.89%4.00%70%£1499MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 070 1569
Barclays
Openplan FM BBR + 3.19% Offset LTV 70%
[Show Details]		Tracker3.69%termn/a3.90%70%£1499MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 070 1569
The One account
One Account CAM LTV 50%
[Show Details]		Standard3.90%termn/a4.00%50%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:50%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0845 805 5797
NatWest
Flexible Offset LTV 75% Ex/B "In Deal" Direct
[Show Details]		Standard4.00%termn/a4.20%75%£499MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:25%
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 158 2907
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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

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