Repayment Mortgages

  • Repayment mortgages are the most common type of mortgage where monthly repayments pay off both the capital plus the accrued interest.
  • Compare the latest interest rates and other important features of repayment mortgages in the table below.
  • Or use our powerful mortgage search, including all deals available to brokers and direct deals too.

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The following results are based on a loan to value (LTV) of 60%
  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    1.22%
    Fixed to 31/01/2019
  • APRC
    3.90%
  • Monthly Payment
    £580.37
  • ERC
    Yes
  • Fees
    £1,805
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      1.22% Fixed to 31/01/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £580.37 x 24
    • Ongoing Monthly Payments:
      £792.77 x 276
    • Total Amount Payable:
      £235,133.40
    • Total Interest Payable:
      £82,733.40
    • Fees

    • Product Fee:
      £1,495
    • Valuation Fee:
      £310
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/1/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.22% and then reverting to our variable rate of 4.24% tracker for remaining term. 24 monthly payments of £580.37 and 276 monthly payments of £792.77. The total amount payable would be £234,783.40 made up of the loan amount plus interest £82,733.40 and a product fee £1,495 and valuation fee £310. The overall cost for comparison is 3.90% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.24%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £581.75
  • ERC
    No
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.24% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £581.75 x 24
    • Ongoing Monthly Payments:
      £755.08 x 276
    • Total Amount Payable:
      £223,863.10
    • Total Interest Payable:
      £72,364.08
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.24% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £581.75 and 276 monthly payments of £755.08. The total amount payable would be £223,413.10 made up of the loan amount plus interest £72,364.08 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.24%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £581.75
  • ERC
    No
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.24% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £581.75 x 24
    • Ongoing Monthly Payments:
      £755.08 x 276
    • Total Amount Payable:
      £223,863.10
    • Total Interest Payable:
      £72,364.08
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.24% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £581.75 and 276 monthly payments of £755.08. The total amount payable would be £223,413.10 made up of the loan amount plus interest £72,364.08 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.24%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £581.75
  • ERC
    No
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £150,000
    • Product Description:
      1.24% Variable for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £581.75 x 24
    • Ongoing Monthly Payments:
      £755.08 x 276
    • Total Amount Payable:
      £223,363.10
    • Total Interest Payable:
      £72,364.08
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.24% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £581.75 and 276 monthly payments of £755.08. The total amount payable would be £223,548.10 made up of the loan amount plus interest £72,364.08 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    tracker
  • Initial Rate
    1.24%
    Variable for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £581.75
  • ERC
    No
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.24% Variable for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £581.75 x 24
    • Ongoing Monthly Payments:
      £755.08 x 276
    • Total Amount Payable:
      £223,763.10
    • Total Interest Payable:
      £72,364.08
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a tracker rate for 24 months at 1.24% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £581.75 and 276 monthly payments of £755.08. The total amount payable would be £223,548.10 made up of the loan amount plus interest £72,364.08 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    60%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.29% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 26
    • Ongoing Monthly Payments:
      £750.48 x 274
    • Total Amount Payable:
      £222,043.20
    • Total Interest Payable:
      £70,847.24
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.29% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £585.22 and 274 monthly payments of £750.48. The total amount payable would be £222,093.20 made up of the loan amount plus interest £70,847.24 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.29% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 26
    • Ongoing Monthly Payments:
      £750.48 x 274
    • Total Amount Payable:
      £221,793.20
    • Total Interest Payable:
      £70,847.24
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.29% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £585.22 and 274 monthly payments of £750.48. The total amount payable would be £221,843.20 made up of the loan amount plus interest £70,847.24 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    60%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £10,000
    • Max Loan:
      £5,000,000
    • Product Description:
      1.29% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 26
    • Ongoing Monthly Payments:
      £750.48 x 274
    • Total Amount Payable:
      £221,793.20
    • Total Interest Payable:
      £70,847.24
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.29% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £585.22 and 274 monthly payments of £750.48. The total amount payable would be £221,843.20 made up of the loan amount plus interest £70,847.24 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.29% Fixed for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 24
    • Ongoing Monthly Payments:
      £755.42 x 276
    • Total Amount Payable:
      £223,540.20
    • Total Interest Payable:
      £72,541.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £585.22 and 276 monthly payments of £755.42. The total amount payable would be £223,725.20 made up of the loan amount plus interest £72,541.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      60%
    • Min Loan:
      £25,000
    • Max Loan:
      £150,000
    • Product Description:
      1.29% Fixed for 2 years
    • Incentives:
      Free valuation fees
      free valuation admin fees
      £250 cashback On Completion or free legal feesGreat Britain
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 24
    • Ongoing Monthly Payments:
      £755.42 x 276
    • Total Amount Payable:
      £223,540.20
    • Total Interest Payable:
      £72,541.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £585.22 and 276 monthly payments of £755.42. The total amount payable would be £223,725.20 made up of the loan amount plus interest £72,541.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.29% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 24
    • Ongoing Monthly Payments:
      £755.42 x 276
    • Total Amount Payable:
      £224,040.20
    • Total Interest Payable:
      £72,541.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £585.22 and 276 monthly payments of £755.42. The total amount payable would be £223,590.20 made up of the loan amount plus interest £72,541.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • Nationwide BS
  • Mortgage Type
    fixed
  • Initial Rate
    1.29%
    Fixed for 2 years
  • APRC
    3.40%
  • Monthly Payment
    £585.22
  • ERC
    Yes
  • Fees
    £999
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Nationwide BS
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.29% Fixed for 2 years
    • Incentives:
      No valuation fees
      No valuation admin fees
      £500 cashback
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £585.22 x 24
    • Ongoing Monthly Payments:
      £755.42 x 276
    • Total Amount Payable:
      £223,540.20
    • Total Interest Payable:
      £72,541.20
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 2/1% Outstanding Balance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.29% and then reverting to our variable rate of 3.74% variable for remaining term. 24 monthly payments of £585.22 and 276 monthly payments of £755.42. The total amount payable would be £223,590.20 made up of the loan amount plus interest £72,541.20 and a product fee £999 and valuation fee £0. The overall cost for comparison is 3.40% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.32%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £587.30
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.32% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £587.30 x 27
    • Ongoing Monthly Payments:
      £754.52 x 273
    • Total Amount Payable:
      £223,584.10
    • Total Interest Payable:
      £71,841.06
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.32% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £587.30 and 273 monthly payments of £754.52. The total amount payable would be £223,134.10 made up of the loan amount plus interest £71,841.06 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • Post Office Money®
  • Mortgage Type
    fixed
  • Initial Rate
    1.32%
    Fixed to 31/01/2019
  • APRC
    3.90%
  • Monthly Payment
    £587.30
  • ERC
    Yes
  • Fees
    £1,805
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      Post Office Money®
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      1.32% Fixed to 31/01/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £587.30 x 24
    • Ongoing Monthly Payments:
      £793.48 x 276
    • Total Amount Payable:
      £235,495.70
    • Total Interest Payable:
      £83,095.68
    • Fees

    • Product Fee:
      £1,495
    • Valuation Fee:
      £310
    • Charges

    • Exit Admin Fee:
      £195
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/1/19: 3/2% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.32% and then reverting to our variable rate of 4.24% tracker for remaining term. 24 monthly payments of £587.30 and 276 monthly payments of £793.48. The total amount payable would be £235,145.70 made up of the loan amount plus interest £83,095.68 and a product fee £1,495 and valuation fee £310. The overall cost for comparison is 3.90% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.32%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £587.30
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    60%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.32% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £587.30 x 27
    • Ongoing Monthly Payments:
      £754.52 x 273
    • Total Amount Payable:
      £223,584.10
    • Total Interest Payable:
      £71,841.06
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.32% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £587.30 and 273 monthly payments of £754.52. The total amount payable would be £223,134.10 made up of the loan amount plus interest £71,841.06 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    75%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,171.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,221.50 made up of the loan amount plus interest £71,225.48 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    75%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,171.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,221.50 made up of the loan amount plus interest £71,225.48 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    70%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,421.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,471.50 made up of the loan amount plus interest £71,225.48 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,171.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,221.50 made up of the loan amount plus interest £71,225.48 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    70%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      70%
    • Min Loan:
      £10,000
    • Max Loan:
      £3,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,171.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,221.50 made up of the loan amount plus interest £71,225.48 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.39%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £592.18
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    75%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £10,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.39% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £592.18 x 26
    • Ongoing Monthly Payments:
      £751.20 x 274
    • Total Amount Payable:
      £222,421.50
    • Total Interest Payable:
      £71,225.48
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.39% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £592.18 and 274 monthly payments of £751.20. The total amount payable would be £222,471.50 made up of the loan amount plus interest £71,225.48 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £593.58
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    70%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £593.58 x 27
    • Ongoing Monthly Payments:
      £755.20 x 273
    • Total Amount Payable:
      £223,939.30
    • Total Interest Payable:
      £72,196.26
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £593.58 and 273 monthly payments of £755.20. The total amount payable would be £223,489.30 made up of the loan amount plus interest £72,196.26 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.41%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £593.58
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    70%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      70%
    • Max House Purchase LTV:
      70%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.41% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £593.58 x 27
    • Ongoing Monthly Payments:
      £755.20 x 273
    • Total Amount Payable:
      £223,939.30
    • Total Interest Payable:
      £72,196.26
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.41% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £593.58 and 273 monthly payments of £755.20. The total amount payable would be £223,489.30 made up of the loan amount plus interest £72,196.26 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • NatWest
  • Mortgage Type
    fixed
  • Initial Rate
    1.42%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £594.28
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    75%
  • More Info + Product Details
    • Summary

    • Lender:
      NatWest
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.42% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £594.28 x 27
    • Ongoing Monthly Payments:
      £755.27 x 273
    • Total Amount Payable:
      £223,977.30
    • Total Interest Payable:
      £72,234.27
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.42% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £594.28 and 273 monthly payments of £755.27. The total amount payable would be £223,527.30 made up of the loan amount plus interest £72,234.27 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • Royal Bank of Scotland
  • Mortgage Type
    fixed
  • Initial Rate
    1.42%
    Fixed to 30/04/2019
  • APRC
    3.40%
  • Monthly Payment
    £594.28
  • ERC
    Yes
  • Fees
    £1,243
  • Max LTV
    75%
  • + Product Details
    • Summary

    • Lender:
      Royal Bank of Scotland
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      £2,000,000
    • Product Description:
      1.42% Fixed to 30/04/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £594.28 x 27
    • Ongoing Monthly Payments:
      £755.27 x 273
    • Total Amount Payable:
      £223,977.30
    • Total Interest Payable:
      £72,234.27
    • Fees

    • Product Fee:
      £995
    • Valuation Fee:
      £248
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/4/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 1.42% and then reverting to our variable rate of 3.75% variable for remaining term. 27 monthly payments of £594.28 and 273 monthly payments of £755.27. The total amount payable would be £223,527.30 made up of the loan amount plus interest £72,234.27 and a product fee £995 and valuation fee £248. The overall cost for comparison is 3.40% APRC representative.

  • Halifax
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 31/03/2019
  • APRC
    3.50%
  • Monthly Payment
    £595.69
  • ERC
    Yes
  • Fees
    £1,429
  • Max LTV
    60%
  • More Info + Product Details
    • Summary

    • Lender:
      Halifax
    • Max First Time Buyer LTV:
      60%
    • Max House Purchase LTV:
      60%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £0
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Fixed to 31/03/2019
    • Incentives:
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £595.69 x 26
    • Ongoing Monthly Payments:
      £755.27 x 274
    • Total Amount Payable:
      £224,360.90
    • Total Interest Payable:
      £72,431.92
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £430
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2.75/1.3% Mortgage Advance
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.44% and then reverting to our variable rate of 3.74% variable for remaining term. 26 monthly payments of £595.69 and 274 monthly payments of £755.27. The total amount payable would be £223,910.90 made up of the loan amount plus interest £72,431.92 and a product fee £999 and valuation fee £430. The overall cost for comparison is 3.50% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £595.69
  • ERC
    Yes
  • Fees
    £1,196
  • Max LTV
    80%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £10,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £595.69 x 26
    • Ongoing Monthly Payments:
      £751.56 x 274
    • Total Amount Payable:
      £222,611.40
    • Total Interest Payable:
      £71,415.38
    • Fees

    • Product Fee:
      £999
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £595.69 and 274 monthly payments of £751.56. The total amount payable would be £222,661.40 made up of the loan amount plus interest £71,415.38 and a product fee £999 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £595.69
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    80%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £10,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £595.69 x 26
    • Ongoing Monthly Payments:
      £751.56 x 274
    • Total Amount Payable:
      £222,361.40
    • Total Interest Payable:
      £71,415.38
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £595.69 and 274 monthly payments of £751.56. The total amount payable would be £222,411.40 made up of the loan amount plus interest £71,415.38 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

  • HSBC
  • Mortgage Type
    fixed
  • Initial Rate
    1.44%
    Fixed to 31/03/2019
  • APRC
    3.40%
  • Monthly Payment
    £595.69
  • ERC
    Yes
  • Fees
    £946
  • Max LTV
    80%
  • + Product Details
    • Summary

    • Lender:
      HSBC
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £10,000
    • Max Loan:
      £1,000,000
    • Product Description:
      1.44% Fixed to 31/03/2019
    • Incentives:
      Free legal fees Remortgages
      No Higher Lending Charge (HLC)
    • Repayments

    • Initial Monthly Repayment:
      £595.69 x 26
    • Ongoing Monthly Payments:
      £751.56 x 274
    • Total Amount Payable:
      £222,361.40
    • Total Interest Payable:
      £71,415.38
    • Fees

    • Product Fee:
      £749
    • Valuation Fee:
      £197
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/19: 2/1% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 26 months at 1.44% and then reverting to our variable rate of 3.69% variable for remaining term. 26 monthly payments of £595.69 and 274 monthly payments of £751.56. The total amount payable would be £222,411.40 made up of the loan amount plus interest £71,415.38 and a product fee £749 and valuation fee £197. The overall cost for comparison is 3.40% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above results are based on a repayment mortgage of £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 19/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £150,000, on a property value of £250,000, over a term of 25 years. This is a loan to value (LTV) of 60% Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 07:55 20/01/2017.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

More about repayment mortgages

The most common kind of home loan, a repayment mortgage works by spreading out the payback of your debt over a set period of time, with interest added to each of your monthly instalments.

The alternatives are to only pay the interest that is accrued each month, rather than paying off any of the actual debt itself, or to put your money into an investment - often known as an endowment - in the hope that your money will work harder this way.

As such, a straight repayment mortgage is one of the safest options in borrowing to buy a house. If you stay on a repayment arrangement for the whole length of your term you will have paid off all of your debt and will own your home outright when you reach the end - provided you keep up with your payments of course. The trade-off is that if you want to pay the mortgage off early you'll need to make additional payments, rather than benefitting from any positive fluctuations on the stock market.

The other advantage is that by reducing your debt level each month you will be less likely to hit negative equity - a position where you owe more money than your house is worth. This can make it difficult to move homes.

Like any other mortgage, the variables involved with a repayment mortgage include the length of the loan, the amount you contribute upfront as a deposit (determining the loan-to-value or LTV ratio), and whether you pay a fixed, variable or tracker interest rate. Consider your options carefully.

Learn more about different types of mortgage with Know Your Money's guide.