How to shop for the best mortgage rate #cheapest #mortgage #rates

#lowest mortgage rate


How to shop for the best mortgage rate

Daniel Acker | Bloomberg | Getty Images

Denny Reichard, an agent with Jim Maloof Realtors, right, stands with potential home buyers Brian Giebelhausen and Lindsay Willing outside a previously owned home in Mackinaw, Illinois, U.S. on Monday, April 21, 2014. Existing home sales in the U.S. fell .2 percent in March, according to the National Association of Realtors.

Mortgage rates haven’t moved much this year, and the good news is they’ve been stuck at historically low levels. But the bad news is that may be about to change.

Both home prices and mortgage rates are expected to move higher as we head through the fall, and that makes shopping for the right mortgage all the more critical. While various groups report national mortgage rate averages each week, the rates you get can vary dramatically from that average, depending on what product you choose and how you shop. So how do you get the best rate? We asked some of the top mortgage professionals across the nation for their top tips:

Craig Strent, CEO of Maryland-based Apex Home Loans:

“Don’t overpay for your mortgage. O ne of the biggest mistakes home buyers make is to take a 30-year, fixed-rate mortgage when they don’t need it.”

The 30-year fixed is the most expensive of all mortgage products because the rate is the highest and you’re paying for the longest time. Choose a product that matches how long you expect to be in your home. If it’s just five years or less, then a 5/1 adjustable rate mortgage (ARM) which is fixed for five years will be a much cheaper option. If you’re conservative, try a 7/1 or 10/1 ARM. The rates on all of these are lower than the 30-year fixed and can save you thousands of dollars over the life of the loan.

“Don’t be fooled by points”

Points are an upfront payment of interest in exchange for a lower rate. This boosts your closing costs and makes the rate appear to be artificially low. This can make sense if you’re going to be in your home for a very long time. If you’re not, then the savings you’re getting in the lower rate over time is never going to make up for that higher cost upfront.

“Don’t fight the documentation requests”

A great rate can turn into a bad one if your rate lock expires or you have to pay for an extension. Get your financial house in order before you even apply for a loan. Documentation requirements can be arduous these days, but fighting them will get you nowhere as most are institutional and are not going to be waived.

“Beware of hidden fees and loan level pricing adjustments”

Artificially low advertised rates may come with additional points or closing costs. Be sure to review a full breakdown of closing costs before committing to a lender. If your property is a condo, your loan is cash-out or you have a lower credit score, your rate will rise, so make sure you give all your information to the lender up front, so that lender can give you an accurate quote.

Dan Green, publisher of in Cincinnati:

“You can shop by rate or shop by fees, but you can’t shop for both at the same time.”

Decide your strategy first, what makes the most sense for you financially, and then stick to the plan.

“You don’t have to ‘save 1 percentage point’ for a refinance to make sense.”

That strategy is a relic from our grandparents’ generation, when loan sizes were much lower, less than $100,000, and when closing costs could run 10 percent of the loan size or more. Think in terms of monthly savings—not interest rate reduction. If your savings offsets the costs, then go for it.

“Always compare the zero-closing cost mortgage”

Zero-closing cost mortgages are sometimes available for as little as 12.5 basis points (0.125 percent) added to your mortgage rate. Your payment might rise $30-50 per month, but you’ll eliminate $4,000 in closing costs or more. Again, this depends on how long you intend to hold the loan.

Logan Mohtashami, senior loan officer of California-based AMC Lending Group:

“Don’t make the mistake of pricing out lenders on different days”

Get a few lenders in place and price them out all at the same time. Rates can vary even hour-to-hour, so you want to get the best comparison possible.

“Don’t let multiple lenders run your credit score”

This can actually damage your score. Get one credit report done, a three-merge score, where one lender pulls Experian, Transunion and Equifax all together and your loan is based on the middle FICO score.

One year ago, mortgage rates hit lowest point in history

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One year ago, mortgage rates hit lowest point in history

For mortgage rates, it makes more than a full percentage-point difference.

One year ago today, on Nov. 21, 2012, the average interest rate for a 30-year fixed-rate mortgage hit 3.31 percent, the lowest rate on record–ever. This morning, the average rate is 4.22 percent, according to Freddie Mac’s Primary Mortgage Market Survey .

Even though today’s interest rates aren’t breaking any records, they are still historically very low. That phrase — “historically very low” — is casually thrown around a lot these days, but it’s true. Here’s why.

9% was a steal for more than a decade

Consider this: To take out a 30-year fixed-rate mortgage in the early 1980s, you had to pay a staggering 18 percent for the privilege. While 18-plus percent may have been abnormal, double-digit interest rates weren’t.

In the early 1970s, when Freddie Mac first started keeping record of rates through its Primary Mortgage Market Survey. interest rates were around 7 percent. But they began climbing in the mid-1970s before hitting their highest rate ever—18.63 percent—on Oct. 9, 1981.

Interest rates rarely fell below 10 percent from 1979 to late 1990.

But the 1990s saw a return to seemingly “normal,” and more important, stable interest rates: between 7 and 9 percent.

It wasn’t until the early 2000s that interest rates started to get labeled as historically low. In 2003, they headed down to the 5 percent range, and then hovered between 5 and 6 percent until late 2009, when they began a slow and steady march down into the 3s.

But those days are behind us, and it’s really a good thing. Interest rates have been organically low, thanks to a sputtering economy, and artificially low, thanks to the Federal Reserve’s stimulus program that helps keep them there.

(Back story on the Fed’s stimulus program: The Fed buys $85 billion in bonds every month from lenders. The lenders then have more cash available to loan, which essentially means more supply than demand and that keeps interest rates low because the banks are making their money in volume, not in price.)

Bank on it: Higher rates are headed up, probably soon

As the economy improves, no matter how slowly, interest rates will go up — in part because lenders know they can charge more, because people have more money, but also because the Fed will taper off buying these bonds that keep interest rates low.

Federal Reserve Chairman Ben Bernanke said in late summer that the Fed would initially start tapering off its bond-buying program this fall, but he wound up backing away from that on the heels of lower-than-expected job growth reports.

“This nonevent took rates up close to 1 percent fairly quickly, within about 30 days,” said Josh Moffit, president of Silverton Mortgage Specialists, a direct mortgage lender in Atlanta, in an e-mail. “The taper seems to be a matter of when, not if; so when it happens, I would expect the same.”

If that’s the case, we could see rates approach 5 percent, if not higher, in 2014, Moffit said.

“From that point on, we expect to see movement based on economic factors, mainly the job market, as we move through the year,” he said. “If the job market improves steadily, we will most likely see a steady rise in rates. However, poor job reports would result in downward pressures. Outside of that, unexpected or major economic events certainly will move the needle up or down depending on the scenario.”

What’s that mean for you?

The best move for consumers is to lock in the rate that works for them at a time when buying a home also works for them. Interest rates may change quickly, but even if they push past 5 percent, that’s still extremely low historically—unheard of before this century.

Basically, this means that for homebuyers, you will still get offers for great interest rates, even if you’re not getting the best rates ever. A year from now, when interest rates may be creeping up to 6 percent, you’ll still feel like you got a great deal.

Home Relief Program #free #mortgage #payment #calculator

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Get the Facts on Lowering your Payment Avoiding Foreclosure.

Hundreds of homeowners visit our website daily looking for mortgage help. Many complain about the red tape they have to go through in order to get help from their lender or other programs. This is unfair and struggling homeowners need answers to their problems quickly, so they can decide what is best for their situation.

After submitting information above you will receive detailed information on programs which may reduce your payment, rate help you stay in your home. Get the facts learn about your options. Below are a few popular options currently providing help for homeowners. If you are behind on your mortgage or facing default due to a hardship we recommend you call us directly at 1-877-494-9007.

New Refinance Assistance Programs

Several programs have been established to help homeowners refinance their mortgage and take advantage of today’s historically low rates. Prior to this year homeowners with negative equity, bad credit or income issues may not have qualified. Now several programs exist in helping homeowners lower their payment and rate.

Mortgage Loan Modification Programs

Homeowners behind on their mortgage or experiencing a financial hardship may not qualify for a refinance. Many may qualify for a Loan Modification.

A Loan Modification is described as a modification to an existing loan made by a lender in response to a borrower’s long-term inability to repay the loan. Loan modifications typically involve a reduction in the interest rate on the loan, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default.

Here is how the process works!

1. Fill out the short above or call 1-877-494-9007 to speak with a counselor.

2. Get an overview of programs available in your area.

3. Decide what program may help you lower payments save your home.

Which option is best for you depends upon your financial situation. There is no one size fits all program for today’s mortgage crisis. Stop getting the run around and let the Home Relief Program find the best solution for you.

The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by mortgage relief and loan modification services by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that our company may receive compensation for that introduction.

IMPORTANT NOTICE: is not a mortgage assistance relief service or mortgage lender, and does not do refinances. is not a government sponsored website or program and not approved by your lender. This website is also not a non-profit, state or local government website. matches consumers with companies in our network that may offer mortgage relief and loan modification services. No particular result is guaranteed by engaging with partners in our network. Lenders may not agree to change a consumer’s loan. To access information on government sponsored assistance, please visit There is no guarantee that you may qualify for a loan modification. We do not charge any upfront fees, partners in our network provide a no cost evaluation of your options. You will not be asked to transfer or surrender property titles nor will we offer to buy your house at a below-market price. You will not be asked to bypass the lender and make payments directly to the company or other third party. We do not encourage you to avoid contacting your lender, lawyer, credit counselor, or housing counselor. *Based on report from the HOPE NOW mortgage industry alliance which released loan modification statistical information for 2011, revealing that roughly 1.05 million American homeowners secured permanent, manageable loan modification agreements during that period.

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Find the Best Mortgage Rates

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Get the lowest rates from hundreds of lenders and find the mortgage that is right for you – instantly! With our easy-to-use comparison tools and unparalleled access to the most competitive financial institutions, can help you save thousands of dollars over the life of your mortgage, home equity loan, or home refinancing.

With the best mortgage rates at your finger tips, you’ll never again have the hassle of spending hours going from bank to bank or haggling with indifferent loan officers. We’ve culled the most competitive mortgage products from the very best lenders to save you time and money. has access to the best rates from the best lenders in all 50 states, so you can be sure you’re getting the most competitive local rates no matter where you live in America. While many banks post national rates in their advertising and on their websites, the fact is, rates vary widely from place to place and state to state, so you really want to compare rates from lenders operating in your locale with the most up-to-date local interest rate conditions – information that is all instantly available here at!

After you’ve been pre-approved, you can begin looking at properties with the satisfaction of knowing you have a great rate and a set amount that you can borrow, making your search that much more enjoyable. You’ll know what your price range is and what kind of monthly payment you can expect to be making each month. And, when it comes time to make a purchase, you’ll be in a stronger negotiating position because you’ll know exactly how much you can afford, without financing conditions or any doubt about whether you can complete the deal.

Buying a home is a big decision, but the process can be a satisfying one if you take the right steps along the way. It’s a process that’s never been easier with Why take the chance that you aren’t getting the very best interest rate on the very best terms? With you’ll know that you’ve covered your bases before you sign on the dotted line. With mortgage rates, even incremental differences mean huge savings. In fact, the math is overwhelming: a quarter point interest rate reduction on a $500,000 mortgage saves over $1000 per year!

And we didn’t just stop at mortgages – at you also have access to home equity loan products, home refinancing options and debt consolidation tools.

Refinancing in particular has never been easier, and it’s a great way to reduce your monthly payment. By using to compare the best refinancing options currently available, you can lower your interest rate and save you and your family hundreds, even thousands of dollars per month. Likewise, with our full suite of home equity loan products, you’ll be able to tap your equity for important things like renovations, medical expenses or even sending a child to college. Those struggling with their debts can use our debt consolidation tools to get their finances under control. You’ll be able to compile all of your high interest rate debts together into one low interest rate loan, with one monthly payment. With you’ll have a debt pay-off plan in no time!

It’s all part of the powerful catalogue of lending products available here at Whatever your borrowing needs, you can be confident you’re getting access to the lowest rates from the best lenders in your state – instantly! So what are you waiting for? Start saving time and money today!

Fixed Rate Mortgage – 2, 3, 5 Year Fixed Mortgages – Tesco Bank #best #mortgage

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From our current account that likes to thank you as you spend, to our travel money delivered wherever it’s most convenient for you, we aim to give you banking the way you want it.

Whether it’s to help manage your spending, spreading the costs of a one-off purchase, or the serious business of buying a house, we’ve got it covered.

Our range of savings accounts can give you competitive rates and easy access, while our ISAs offer tax free saving for you and your children.

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Calculators and comparison tables, jargon busters and top tips – our selection of tools and helpful information can help you get to grips with our products.

If you’re already banking or have insurance with us and you’ve got a question, need some help, or want to know what’s available to you, you’ve come to the right place.

Fixed rate mortgage

Making your mortgage repayments easier to manage

Our 2, 3 and 5 year fixed rate mortgages (sometimes called fixed term mortgages), give you the certainty of knowing that your repayments will stay the same for a set period of time. The rate of interest you pay is fixed for the agreed period, and so are your monthly repayments, whether interest rates go up or down.

  • We could help you make the move with our 95% loan to value (LTV) mortgages, meaning you only need a 5% deposit. There may be a non-refundable booking fee and a product fee, details of any fees payable will be found on your Mortgage Illustration
  • You could pay off your mortgage early. During the initial rate period, you can overpay by up to 20% of the outstanding balance each year with no early repayment charge
  • Get a great deal more. Earn Clubcard points on your monthly repayments and any regular or lump sum overpayments. You won’t collect points on any fees or charges paid separately from your monthly payment or on any overpayment you make to pay off your mortgage in full
  • Choose between a mortgage with a product fee or one without a product fee

Retrieve a quote

Features of a fixed rate mortgage


Fixed rate mortgages explained

A fixed rate mortgage means that your interest rate stays the same for a fixed period, for example, 3 years. This can make it easier to manage your budget because your monthly repayments will stay the same.

Once your fixed rate period has ended, we will move you to our standard variable rate (SVR). If you’re an existing customer, before your initial offer period ends, we’ll get in touch with details about our current mortgage deals.

Our fixed rate mortgage range

Use our quick mortgage calculator to see what mortgage products we could offer you.

Not sure if a Tesco Bank Fixed Rate Mortgage is right for you? Take a look at our full range of mortgage options.

All of our mortgages are repayment, rather than interest-only. This means that you pay back all of the loan (sometimes called the capital), plus interest.


Benefits of our fixed rate mortgage

Our range of fixed rate mortgages is flexible, so if your life changes your mortgage could too.

Budget more easily with fixed repayments

Our fixed rate mortgages help you budget more easily with the certainty of knowing your monthly repayments will stay the same for an agreed period, even if interest rates go up or down.

Pay off your mortgage early for more years of mortgage-free living

During the initial period (2, 3 or 5 years) you can overpay by up to 20% of the outstanding balance each year and there’s no early repayment charge.

Take your mortgage with you when you move home

Just give us a call about moving your mortgage and we’ll walk you through what you need to know. Just a reminder, you may need to pay a property valuation fee, as well as other fees and charges.

It will all be outlined in your Mortgage Illustration: a document that tells you how much your mortgage will cost, as well as some other important information about the key features of your mortgage.

Have a break with a payment holiday

If you’ve made 6 monthly payments in a row, you can apply to take a payment holiday for 1 month. You can take 2 payment holidays every 12 months, up to a total of 6 payment holidays over the lifetime of your mortgage. But remember, you’ll still be charged interest during a payment holiday, so your monthly payments may go up.

You could increase your borrowing

If you’ve made 6 monthly payments, one after the other, you can apply to borrow more. The minimum amount you can borrow is £5,000 and the rate of interest you’ll pay is our standard variable rate (SVR).

We’re upfront and keep things simple. You’ll find full details of the changes you can make to your mortgage, and our charges, in your personalised Mortgage Illustration.

Just a reminder, you may need to pay a property valuation fee, as well as other fees and charges.

Our fees and charges

Clubcard rewards

We’ll automatically give you 1 point for every £4 you pay on your monthly mortgage payments – including overpayments. It’s easy to keep track of your points too as they’ll show up on your Clubcard account within 6 weeks of each payment you make. You must be registered to Clubcard in order to benefit from Clubcard points.

You won’t collect points on any fees or charges paid separately from your monthly payment or on any overpayment you make to pay off your mortgage in full.

Find out more about Clubcard


First time buyers and moving home

We know that getting your mortgage sorted is important. That’s why we have a dedicated mortgage team. They provide an excellent service and are here to help you through the home buying process, whether you’re just starting out or are looking to move to a new home.

Our UK-based Mortgage Team is available from 8am to 9pm on weekdays, and 9am to 4pm on Saturdays. Call: 0345 217 2050.

We provide a full advice service by phone, or you can apply online.

Our fees and charges


Secure a better remortgage rate

Everyone has their own reasons for wanting to remortgage. Your current deal could be about to end, you might be looking for a better rate or be worried that interest rates might go up. Maybe your situation has changed and you want a different type of mortgage or perhaps you want to increase your mortgage to make home improvements.

We offer competitive rates on remortgage deals, so there’s nothing stopping you from getting a quote and seeing how much you can borrow. If you’re coming to the end of your deal we can arrange for your home to be revalued and pay for your first standard valuation fee.

You could save by switching

When you remortgage with us, we’ll pay your first standard valuation fee and we’ll also cover your standard legal fees.

Our fees and charges


Renew your existing mortgage

If you’re an existing customer, before your initial offer period ends, we’ll get in touch with details about our current mortgage deals. We’ll work it out based on how much you still owe on your mortgage, our current valuation of your home, and the number of years left on your existing mortgage. And because you’re already a customer, we’ve done all the checks we need to, meaning switching to a new deal should be quick and easy.

Contact us – we’re here to help

Need a few questions answered? Want to chat rather than scroll? Our UK-based teams are here to talk to you six days a week. Lines are open Monday to Friday 8am-9pm and Saturday 9am-4pm.

Call 0345 217 2050* to chat about new policies.

* These numbers may be included as part of any inclusive call minutes provided by your phone operator.

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Cincinnati, OH Mortgage Rates #mortgage #closing #costs

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Compare Cincinnati, OH Mortgage Rates

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On The Case: Open-Ended Mortgages and Foreclosure vs. Forbearance Robert Caston What is an Open-ended Mortgage? An open-ended mortgage basically means that you can request an increase in a loan amount from a lender. This type of loan is for people who might need more flexibility than usual. For example, if they are buying land and then plan to build later, or in a situation where they believe it s possible they will have to finance more at some point. The big advantage of an.

Cincinnati, OH Mortgage Rates

Submit a FREE Cincinnati, OH mortgage rate request on to find multiple lenders to finance your next home loan. Use our mortgage calculator to estimate your monthly rate or find additional information on current mortgage rates, including comparing buying versus renting, refinancing, home equity loans, adding a second mortgage, and more. You can even calculate the maximum monthly payment that fits your monthly budget. Start searching Cincinnati, OH mortgage rates now and get your FREE quote instantly on

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Variable or Fixed Mortgage Rates #arbor #mortgage

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Variable or fixed mortgage rates

One of the first decisions homebuyers and mortgage shoppers face is whether to select a fixed rate or variable rate mortgage.

With a fixed rate mortgage, the mortgage rate and payment you make each month will stay constant for the term of your mortgage. With a variable rate mortgage, however, the mortgage rate will change with the prime lending rate as set by your lender. A variable rate will be quoted as Prime +/- a specified amount, such a Prime – 0.45%. Though the prime lending rate may fluctuate, the relationship to prime will stay constant over your term.

To understand how this works and see what it means for your monthly mortgage payments, watch the video above. Then look at the chart below, to see the average mortgage rates offered by mortgage brokers on our site over the last five years.

5-Year Fixed and Variable Mortgage Rates From 2006 – Today

See today s lowest mortgage rates

Compare today s variable vs. fixed mortgage rates and determine your corresponding monthly payment.

Comparing fixed and variable mortgage rates

You can think of the difference, or spread, between variable and fixed mortgage rates as the price of insurance that lending rates will not increase, more or less. When interest rates are low and are not expected to fall further, it is generally advised to lock in a fixed rate, as variables rates will, at best, stay the same, or increase. On the other hand, if you expect interest rates to fall with some certainty, then a variable rate is preferred, as you will be able to absorb the benefit of paying lower interest. Similarly, if the difference between the variable rate and the fixed rate is significant, it may not be worth paying the premium for the stability protection of a fixed rate.

Fixed and variable mortgage rate drivers

By and large, fixed mortgage rates follow the pattern of Canada Bond Yields, plus a spread, where bond yields are driven by economic factors such as unemployment, export and inflation.

5-Year Fixed Rates vs. 5-Year Bond Yields From 2000 – Today

Variable mortgage rates are driven by the same economic factors, except variable rates fluctuate with movements in the prime lending rate, the rate at which banks lend to their most credit-worthy customers. Variable mortgage rates are typically stated as prime plus/minus a percentage discount/premium. For example, a variable rate could be quoted as prime – 0.8%. So, when the prime rate is, say, 5%, you will pay 4.2% (5%-0.8%) interest.

Historical Prime Lending Rates From 1935 – Today

The Bank of Canada adjusts the prime rate depending on the state of the economy, as determined by the economic factors introduced above. Together, combinations of unemployment, export, and manufacturing values shape the inflation rate. Generally speaking, when inflation is high, the Bank of Canada will increase the prime rate to make the act of borrowing money more expensive. Conversely, when inflation is low, the Bank of Canada will decrease the prime rate to stimulate the economy and improve the attractiveness of borrowing.

In terms of the discount/premium on the prime rate applied to variable rates, mortgage lenders set this based on their desired market share, competition, marketing strategy and general credit market conditions. These are the same factors that drive the spread between lenders’ fixed mortgage rates and bond yields.

References and Notes

Mortgage Rates in Cincinnati, OH #greentree #mortgage #company

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Mortgage Rates in Cincinnati, OH

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We work hard to present you with accurate mortgage rate information on this page. However, this information does not originate from us and therefore we cannot guarantee its accuracy. You can check the details page of each offer for the date the information was last updated on WalletHub. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicants’ creditworthiness and differences between an individual’s situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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  • Nearby: 5151 Pfeiffer Road, Suite 220, Cincinnati, OH, 45242map
  • Nearby: 301 Broadway, Bethlehem, PA, 18015map

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  • Jumbo rates reflect a discount for having a Wells Fargo or Wachovia personal or small business checking or savings account and using Wells Fargo’s Preferred Payment Plan options.
  • Nearby: 301 Broadway, Bethlehem, PA, 18015map

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  • Jumbo rates reflect a discount for having a Wells Fargo or Wachovia personal or small business checking or savings account and using Wells Fargo’s Preferred Payment Plan options.

  • Nearby: 735 Lila Avenue, Milford, OH, 45150map
  • Nearby: 5151 Pfeiffer Road, Suite 220, Cincinnati, OH, 45242map

30 year fixed FHA

  • Nearby: 5151 Pfeiffer Road, Suite 220, Cincinnati, OH, 45242map
  • Nearby: 301 Broadway, Bethlehem, PA, 18015map

more info

  • Jumbo rates reflect a discount for having a Wells Fargo or Wachovia personal or small business checking or savings account and using Wells Fargo’s Preferred Payment Plan options.
  • Nearby: 5151 Pfeiffer Road, Suite 220, Cincinnati, OH, 45242map

  • Nearby: 735 Lila Avenue, Milford, OH, 45150map

  • Nearby: 735 Lila Avenue, Milford, OH, 45150map

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Fixed-rate mortgages

What is a fixed-rate mortgage?

Unlike mortgages with a variable interest rate – like offset or tracker – a fixed-rate mortgage provides you with an interest rate that will stay the same for the fixed term you choose. This could be 2, 3, 5 or even 10 years.

You’ll know exactly what your mortgage payments will be during the fixed term, so you can plan your finances accordingly. You’ll be protected if interest rates go up, however you could end up paying over the odds if they fall. So you should think carefully about how long you want to fix your mortgage for, because you may have to pay an early repayment charge if you change or overpay on your mortgage before the initial fixed term ends. 1

After the fixed term, your mortgage will move to a variable rate, which means that your monthly payments could then vary.

Is it right for you?

A fixed-rate mortgage could be right for you if

  • You d prefer to know exactly how much you ll be paying each month
  • You want the flexibility to overpay some of your mortgage each year without being charged 1

How much can you borrow?

Our mortgage calculator can help you determine how much you could afford to borrow and what your monthly payments may be.

This table outlines what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow and any application and early repayment charges. You can sort any of the columns by selecting the column title.

Are you a Premier customer? See our dedicated mortgage range just for you.

Already have a mortgage with us? If you’re looking to switch, you can take advantage of our exclusive rates for existing customers .

The current mortgages data is unavailable. Please check you have JavaScript turned on in your browser. A complete list of all mortgage rates is available for download here .