uk best mortgage interest rates

UK Best Mortgage Interest Rates Guide 2024 | Quick Comparison

Welcome to our comprehensive guide on the best mortgage interest rates in the UK for 2024! If you’re in the market for a new home loan, it’s important to find the most competitive rates that suit your needs. In this guide, we’ll provide you with all the information you need to compare UK best mortgage interest rates and secure the best mortgage deal.

When it comes to finding the best mortgage rates, it’s essential to compare offers from various lenders. With our quick comparison tool, you can easily find the most competitive mortgage rates in the UK. Whether you’re a first-time buyer or looking to remortgage, our guide will equip you with the knowledge to make an informed decision.

Stay tuned as we delve into understanding mortgage interest rates, explore the top mortgage lenders in the UK, discuss the factors that affect mortgage interest rates, and help you understand the difference between fixed and variable rate mortgages. We’ll also provide practical tips on comparing mortgage rates, securing the best mortgage deal, and navigating the application process.

Don’t miss our insights on mortgage rate predictions for 2024 and effective strategies for negotiating with lenders. Plus, we’ll shed light on rate locks and the various mortgage repayment options available to you.

By the end of this guide, you’ll have all the tools and knowledge you need to find the most affordable mortgage rates in the UK. So, let’s dive in and explore the world of mortgages together!

Understanding Mortgage Interest Rates

Before diving into the comparison, it’s important to understand how mortgage interest rates work. We will discuss the difference between fixed and variable rate mortgages, along with the factors that influence interest rates in the UK market.

Fixed Rate Mortgages

Fixed rate mortgages offer stability and predictability. With this type of mortgage, the interest rate remains the same throughout the loan term. This means that your monthly payments will also remain constant, allowing for better budgeting and planning. Fixed rate mortgages are ideal for borrowers who prefer a steady repayment plan and protection against potential interest rate increases.

Variable Rate Mortgages

Variable rate mortgages, also known as adjustable rate mortgages (ARMs), have interest rates that can fluctuate over time. The interest rate is typically tied to a benchmark, such as the Bank of England base rate or the London Interbank Offered Rate (LIBOR). Variable rate mortgages offer more flexibility, as the interest rate can go up or down in response to market conditions. This means that your monthly payments may vary throughout the loan term.

Understanding Mortgage Interest Rates

Fixed Rate Mortgages Variable Rate Mortgages
Stable and predictable monthly payments Flexible interest rates that can go up or down
Protection against potential interest rate increases Potential for lower initial interest rates
Consistent budgeting and planning Potential for savings if interest rates decrease

Top Mortgage Lenders in the UK

When it comes to finding the best mortgage deals in the UK, it’s important to consider the top mortgage lenders in the market. These reputable banks and financial institutions offer competitive rates and a range of loan options to suit your needs. Let’s explore some of the leading mortgage lenders in the UK that can help you make an informed decision:

1. Barclays
Barclays is one of the largest lenders in the UK, offering a wide range of mortgage products. With competitive rates and flexible terms, Barclays provides options for first-time buyers, remortgaging, and buy-to-let properties. Their online mortgage calculator makes it easy to estimate your monthly repayments and explore different scenarios.

2. Halifax
Halifax is a well-known lender with a variety of mortgage options. Whether you’re a first-time buyer or looking to remortgage, Halifax offers competitive rates and flexible terms. They also provide helpful tools and resources to guide you through the mortgage process, including a handy affordability calculator.

3. Nationwide
Nationwide is a building society that offers a range of mortgage options to suit different needs. They provide competitive rates and have dedicated mortgage advisors to help you find the right loan. Nationwide also offers exclusive deals for existing customers and a loyalty program that rewards you for staying with them.

4. Santander
Santander is another top mortgage lender in the UK, with a focus on providing competitive rates and excellent customer service. They offer a variety of mortgage products, including fixed-rate and tracker mortgages, and have a user-friendly online portal for managing your mortgage account.

HSBC is a global bank that offers mortgage products with competitive rates and flexible terms. They provide options for first-time buyers, home movers, and those looking to remortgage. They also offer exclusive HSBC mortgage deals for Premier customers, along with online tools to help you calculate your borrowing capacity.

top mortgage lenders in the uk

These are just a few of the top mortgage lenders in the UK, but there are many other reputable institutions. It’s important to compare rates, terms, and customer reviews to find the best lender for your specific needs. Keep in mind that eligibility criteria may vary, so it’s always a good idea to consult with a mortgage advisor to determine which lender is the right fit for you.

Factors Affecting Mortgage Interest Rates

When it comes to securing the best mortgage interest rates in the UK, it’s essential to understand the key factors that influence these rates. By exploring these factors, you can make informed decisions and maximize your chances of finding the most competitive mortgage deals.

Let’s take a closer look at the elements that play a role in determining the UK’s best mortgage interest rates:

  1. Bank of England Base Rate: The Bank of England’s base rate is one of the primary factors that impact mortgage interest rates. When this base rate is low, mortgage rates tend to follow suit, making it an ideal time to secure a favorable home loan.
  2. Inflation: Inflation rates can influence mortgage interest rates. Higher inflation rates may result in higher mortgage rates as lenders factor in the increased cost of living.
  3. Market Competition: The level of competition among lenders can directly affect mortgage interest rates. When lenders compete for borrowers, they may offer lower rates to attract customers.

Economic Factors and their Impact on Mortgage Rates

Factors Impact on Mortgage Rates
Bank of England Base Rate Lower rates when base rate is low
Inflation Higher inflation leads to higher rates
Market Competition Lenders may offer lower rates to attract borrowers

Understanding these factors gives you a clearer picture of what drives mortgage interest rates in the UK. By staying informed and monitoring the market, you can position yourself to take advantage of the best mortgage deals available.

uk best mortgage interest rates

Fixed Rate vs. Variable Rate Mortgages

When it comes to choosing a mortgage, understanding the differences between fixed rate and variable rate mortgages is essential. Each type has its own advantages and considerations, which can significantly impact your financial situation in the long run. In this section, we will explore the pros and cons of fixed rate mortgages and variable rate mortgages, helping you make an informed decision.

The Benefits of Fixed Rate Mortgages

A fixed rate mortgage offers stability and predictability, as the interest rate remains unchanged for a predetermined period of time. This means that your monthly mortgage payments will remain the same throughout the fixed rate period, providing you with peace of mind and allowing for better budget planning. Fixed rate mortgages are particularly suitable for individuals who prefer a consistent monthly payment and want to protect themselves from potential interest rate increases.

The Advantages of Variable Rate Mortgages

On the other hand, variable rate mortgages can offer flexibility and potentially lower initial interest rates compared to fixed rate mortgages. The interest rate on a variable rate mortgage can fluctuate over time, typically in line with the base rate set by the Bank of England. This means that your monthly payments may increase or decrease depending on market conditions. Variable rate mortgages are ideal for borrowers who are comfortable with some level of uncertainty, and who may benefit from potential interest rate decreases in the future.

Considerations for Decision Making

When deciding between a fixed rate mortgage and a variable rate mortgage, it’s important to consider your personal financial situation, risk tolerance, and long-term plans. Here are some key factors to keep in mind:

  • Interest Rate Security: Fixed rate mortgages provide stability and protection against increasing interest rates, making them suitable if you prefer a predictable monthly payment.
  • Flexibility: Variable rate mortgages offer the potential for lower initial interest rates and the possibility of taking advantage of future rate decreases.
  • Market Conditions: Pay attention to current interest rate trends and forecasts to gauge whether variable rates are expected to increase or decrease in the near future.
  • Financial Goals: Consider your long-term financial goals, such as how long you plan to stay in your home, and whether you prioritize short-term cost savings or long-term interest rate security.

Ultimately, the decision between a fixed rate mortgage and a variable rate mortgage depends on your individual circumstances and preferences. Weigh the benefits and considerations carefully, and consult with a mortgage advisor if needed, to determine which option aligns best with your financial goals and risk tolerance.

fixed rate mortgages vs variable rate mortgages uk

Visual representation comparing fixed rate mortgages and variable rate mortgages in the UK.

How to Compare Mortgage Rates?

When it comes to finding the best mortgage deal in the UK, comparing mortgage rates is key. By understanding how to effectively compare mortgage rates, you can ensure that you’re getting the most competitive offer for your home loan. Here are some useful tips and resources to help you navigate through the different offers available and find the best mortgage deals.

Gather Information

Start by gathering all the necessary information about the mortgage deals you’re interested in. This includes the interest rate, loan term, loan amount, any additional fees, and the repayment options available. Having all the details in one place will make it easier to compare the offers side by side.

Calculate Total Cost

Don’t just focus on the interest rate alone. Take into account the total cost of the mortgage, including any fees or charges involved. Use online mortgage calculators or spreadsheet tools to calculate the overall cost of each offer over the loan term. This will give you a clearer picture of which deal is more affordable in the long run.

Consider Loan Types

Compare mortgage rates for different loan types, such as fixed-rate mortgages and variable-rate mortgages. Each option has its pros and cons, so consider your financial situation and risk tolerance when choosing the type of loan.

Research Lenders

Look into the reputation and customer reviews of different lenders. Consider their customer service, responsiveness, and overall satisfaction ratings. Working with a reputable lender can make the mortgage process smoother and more efficient.

Use Comparison Websites

Take advantage of online comparison websites specifically designed for comparing mortgage rates. These websites allow you to input your information and receive personalized quotes from multiple lenders, making it easier to compare the offers in one place.

Seek Professional Advice

If you’re unsure about the mortgage options available or need guidance in comparing rates, consider seeking advice from a mortgage broker or financial advisor. They can provide expert recommendations based on your specific needs and financial situation.

compare mortgage rates uk

Lender Fixed Rate Variable Rate
Bank A 2.1% 1.9%
Bank B 2.3% 2.2%
Bank C 2.2% 1.8%

Use the table above as an example to compare mortgage rates from different lenders. It provides the fixed and variable rates offered by three banks in the UK. By comparing the rates side by side, you can make an informed decision and choose the mortgage deal that suits your needs and financial goals.

Securing the Best Mortgage Deal

Once you have compared mortgage rates, it’s time to secure the best deal for your home loan. To ensure you make a well-informed decision, consider the following key aspects:

Loan-to-Value Ratio

One crucial factor to consider when securing the best mortgage deal is the loan-to-value (LTV) ratio. This ratio represents the amount of your loan compared to the value of your property. The lower the LTV, the better your chances of getting a competitive mortgage deal. Lenders often offer more favorable rates to borrowers with a lower LTV, as it indicates a lower risk for them.

Repayment Terms

Another important aspect to consider is the repayment terms offered by different lenders. Some mortgage deals may have flexible repayment options that suit your financial situation, including the choice between fixed or variable interest rates and various term lengths. It’s essential to choose repayment terms that align with your financial goals and preferences.


When comparing mortgage deals, it’s crucial to take note of any associated fees. These can include arrangement fees, valuation fees, legal fees, and early repayment charges. Be sure to consider both the interest rate and the fees involved to assess the overall cost of the mortgage deal. This will help you determine which deal offers the best value for your specific situation.

To get the best mortgage deal, it’s advisable to consult with an independent mortgage broker who can provide personalized advice tailored to your needs. They have access to a wide range of lenders and can help you navigate the intricacies of mortgage terms and conditions.

Best mortgage deals uk

Bank Interest Rate Repayment Terms Fees
NatWest 1.89% – Fixed rate for 2 years
– Option for overpayment
– Arrangement fee: £999
– Early repayment charge: 3% within the fixed period
Santander 1.95% – Fixed rate for 5 years
– Flexible repayment options
– Arrangement fee: £1,499
– Overpayment fee: 10% per year
Barclays 2.03% – Variable rate linked to Bank of England base rate
– Offset mortgage available
– Arrangement fee: £0
– Early repayment charge: 1% for the first 5 years

Understanding Affordability Criteria

When it comes to getting a mortgage in the UK, there are several affordability criteria that lenders consider to determine your eligibility and the mortgage rates you qualify for. Understanding these criteria is essential to ensure you can afford your mortgage repayments comfortably. Let’s explore the key factors that lenders take into account:

Credit Score

Your credit score plays a significant role in determining your mortgage rates. Lenders use your credit history to assess your financial responsibility and ability to repay the loan. A higher credit score indicates low credit risk and can result in more affordable mortgage rates. Conversely, a lower credit score may make it challenging to secure competitive rates or even qualify for a mortgage.

Income Verification

Lenders need to verify your income to assess your ability to meet your mortgage repayments. Typically, they request documents such as payslips, tax returns, and bank statements to validate your income. The stability and consistency of your income play a crucial role in determining your mortgage rates.

Debt-to-Income Ratio

Your debt-to-income ratio represents the percentage of your monthly income used to repay debts. Lenders calculate this ratio to evaluate your ability to handle additional financial obligations, such as a mortgage. A lower debt-to-income ratio indicates a healthy financial situation and may lead to more affordable mortgage rates.

To give you a better understanding, here’s an informative table highlighting how different credit scores, income levels, and debt-to-income ratios can impact mortgage rates in the UK:

Credit Score Income Level Debt-to-Income Ratio Affordable Mortgage Rate
Excellent (800+) High Low 1.75%
Good (700-799) Moderate Moderate 2.25%
Fair (600-699) Low High 2.75%
Poor ( Low High 3.25%

Disclaimer: The rates in the table are for illustrative purposes only and may not reflect current market conditions. It’s essential to consult with lenders directly for accurate and up-to-date information.

By understanding the factors involved in assessing affordability, you can take proactive steps to improve your credit score, manage your debt, and ensure a stronger financial profile. This, in turn, can increase your chances of securing more affordable mortgage rates when applying for a home loan in the UK.

Next, let’s dive into the mortgage application process and the documents you need to provide to lenders.

affordable mortgage rates uk

The Application Process

Gaining insight into the mortgage application process in the UK is crucial to ensure a smooth experience when applying for a home loan. Understanding the required documents and information will help you prepare and avoid any delays in the application process.

One important step before applying for a mortgage is obtaining a Mortgage Agreement in Principle (AIP). This document, also known as a Decision in Principle (DIP) or a Mortgage Promise, indicates that a lender is willing to provide you with a mortgage based on an initial assessment of your financial situation. Having an AIP in hand gives you a competitive edge when making an offer on a property, as it demonstrates your seriousness and ability to secure financing.

When applying for a mortgage, you will typically be required to provide the following documents:

  • Proof of identity (e.g., passport or driving license)
  • Proof of address (e.g., utility bills or bank statements)
  • Proof of income (e.g., payslips, tax returns, or business accounts)
  • Employment details (e.g., employment contract or letter from employer)
  • Bank statements (to demonstrate your financial stability)
  • Details of any other loans or debts you may have

It’s important to provide accurate and up-to-date information to the lender to ensure a successful mortgage application. Additionally, having a good credit score and a stable income will increase your chances of securing competitive mortgage rates in the UK.

Remember, the mortgage application process may vary slightly depending on the lender and the type of mortgage you are applying for. It’s always a good idea to consult with a mortgage advisor who can guide you through the application process and help you find the most competitive rates based on your financial situation and requirements.

Mortgage Rate Predictions for 2024

As we look ahead to the year 2024, it’s natural to wonder what lies in store for mortgage interest rates in the UK. While we cannot predict the future with absolute certainty, we can analyze market trends and expert opinions to provide you with an overview of the mortgage rate predictions for the upcoming year.

Mortgage Rate Projections

  • Industry experts anticipate that mortgage interest rates will remain low in 2024, continuing the trend seen in recent years.
  • The Bank of England’s base rate is expected to remain at historically low levels, which will likely influence mortgage rates offered by lenders.
  • Market conditions, inflation rates, and economic factors will also play a role in determining mortgage interest rates in 2024.
  • While rates may fluctuate slightly throughout the year, overall stability is predicted, providing an opportunity for borrowers to secure favorable mortgage deals.

Factors Influencing Mortgage Rates in 2024

Several key factors are likely to influence mortgage rates in 2024:

  1. Economic Recovery: The pace of economic recovery following the global pandemic will have a significant impact on mortgage rates. A robust recovery may lead to increased competition among lenders, potentially resulting in lower interest rates.
  2. Inflation: If inflation rates rise significantly, the Bank of England may respond by increasing the base rate, which could lead to higher mortgage rates.
  3. Housing Market Conditions: The demand for housing and the overall health of the housing market will also play a role in mortgage rate fluctuations. A strong market with high demand may lead to slightly higher rates.

It’s important to note that mortgage rate predictions are not set in stone, and various other factors may come into play throughout the year. However, by staying informed and monitoring market trends, you can position yourself to take advantage of the best mortgage rates available in 2024.

Tips for Negotiating Mortgage Rates

When it comes to securing a mortgage for your dream home, negotiating competitive mortgage rates can make a significant difference in the overall cost of your loan. To help you navigate this process and ensure you get the best deal possible, we’ve compiled some valuable tips and techniques:

1. Research and Compare

Before starting negotiations, it’s essential to research and compare mortgage rates offered by different lenders. Look for reputable banks and financial institutions that provide competitive rates, ensuring you have a broad understanding of the current market offerings.

2. Improve Your Credit Score

A higher credit score can significantly impact the mortgage interest rates you qualify for. Before negotiating, take steps to improve your credit score by paying bills on time, reducing outstanding debts, and keeping credit utilization low. Lenders are more likely to offer better rates to individuals with strong creditworthiness.

3. Gather Supporting Documents

Prepare all the necessary documents that demonstrate your financial stability, such as bank statements, income proof, employment history, and tax returns. Having these documents readily available will strengthen your negotiation position and show lenders that you are a reliable borrower.

4. Leverage Competition

Use the information you’ve gathered from comparing mortgage rates to your advantage. Let lenders know that you are considering multiple options and highlight any more competitive rates you have received from other institutions. This will encourage them to offer more favorable terms to win your business.

5. Consider a Mortgage Broker

Working with a mortgage broker can be beneficial when negotiating rates. These professionals have extensive knowledge of the mortgage market and can help you find the best deals. They can also negotiate on your behalf, leveraging their industry expertise to secure competitive rates.

6. Be Prepared to Negotiate Points and Fees

When negotiating, don’t focus solely on the interest rate. Consider other aspects, such as origination fees, discount points, and closing costs. Negotiating these fees can help reduce the overall cost of your mortgage and save you money in the long run.

7. Be Persistent but Polite

Remember, negotiation is a two-way process. Express your desire to work with the lender, but also be clear about your expectations regarding mortgage rates. Be persistent but maintain a professional and polite demeanor throughout the negotiation process.

By following these tips and techniques, you’ll be better equipped to negotiate competitive mortgage rates that align with your financial goals and save you money in the long run.

How to Benefit from a Rate Lock?

When it comes to securing the best mortgage interest rates in the UK, timing is everything. Market rates can fluctuate, making it challenging to lock in a favorable rate for your home loan. This is where rate locks come in.

A rate lock is a commitment from a lender to hold a specific interest rate for a set period of time, usually between 30 to 60 days. It provides borrowers with peace of mind, knowing that their interest rate will remain unchanged even if market rates increase.

So, how can you benefit from a rate lock? Let’s take a closer look:

  1. Protection against rate increases: By locking in a rate, you protect yourself from potential interest rate hikes during the lock period. This can result in significant savings over the life of your mortgage.
  2. Financial planning: Having a locked-in rate allows you to plan your budget with more certainty. You can accurately calculate your monthly mortgage payments without worrying about sudden changes due to fluctuating rates.
  3. Time to finalize your mortgage: A rate lock gives you time to complete the necessary paperwork and finalize your mortgage application without the pressure of changing interest rates. This can be especially beneficial if you’re in the process of buying a home.

Keep in mind that while rate locks offer stability and peace of mind, they may come with certain conditions. It’s essential to carefully review the terms and conditions of your rate lock agreement before moving forward. In some cases, there may be fees associated with extending or breaking a rate lock.

Overall, a rate lock can be an effective tool for securing the best mortgage interest rates in the UK. It provides stability, protection against rate increases, and allows for better financial planning. If you’re considering locking in a rate, discuss the option with your lender and evaluate whether it aligns with your current financial goals and circumstances.

Benefits of Rate Locks: Considerations:
Protection against rate increases Terms and conditions of rate locks
Financial planning certainty Potential fees for extending or breaking rate locks
Time to finalize mortgage application Discussion with lender regarding options

Mortgage Repayment Options

When it comes to repaying your mortgage in the UK, there are different options available to suit your financial circumstances and goals. Understanding these repayment options can help you make an informed decision that aligns with your needs.

1. Principal and Interest Payments

One common mortgage repayment method is through principal and interest payments. With this option, you make regular payments that include both the principal amount borrowed and the accrued interest. Over time, your payments gradually reduce the loan balance, ultimately leading to the complete repayment of your mortgage.

2. Interest-Only Mortgages

Another repayment option is an interest-only mortgage. As the name suggests, with this type of mortgage, you only pay the interest charges on the loan for a specific period, typically between 5 to 10 years. During this period, the loan balance remains unchanged. Once the interest-only period ends, you will need to switch to a different repayment method to ensure the principal amount is repaid over the remaining term of the mortgage.

3. Repayment Plans

Some lenders offer repayment plans that allow you to tailor your mortgage repayments based on your financial circumstances. These plans may include options such as lump sum payments, overpayments, or flexible repayment schedules. They can provide greater flexibility and control over your mortgage repayments, enabling you to pay off your loan faster or adjust your payments based on changes in your income.

It’s important to carefully consider the pros and cons of each repayment method and choose the option that best suits your financial situation and long-term goals. Consulting with a mortgage advisor can help you further understand the implications of each repayment option and make an informed decision.

Repayment Option Key Features
Principal and Interest Payments Gradually reduces loan balance
Interest-Only Mortgages Only pays interest for a specific period
Repayment Plans Flexibility to tailor repayments to your financial circumstances


In conclusion, finding the best mortgage interest rates in the UK is crucial for securing a favorable home loan. By understanding the factors influencing rates, comparing offers, and negotiating with lenders, you can put yourself in a strong position to benefit from competitive mortgage rates. Take advantage of the information provided in this guide to make informed decisions and find the most affordable mortgage rates for your needs.


What are the best mortgage interest rates in the UK?

The best mortgage interest rates in the UK can vary depending on a range of factors such as the type of mortgage, loan term, and your creditworthiness. It’s best to compare rates from different lenders to find the most competitive deals available.

How can I compare mortgage rates in the UK?

To compare mortgage rates in the UK, you can use online comparison tools or consult with a mortgage broker. They can provide you with a comprehensive overview of the rates available from different lenders, helping you make an informed decision.

What is the difference between fixed rate and variable rate mortgages?

A fixed rate mortgage offers a set interest rate for a specific period, providing stability in your monthly repayments. On the other hand, a variable rate mortgage has an interest rate that can fluctuate with market conditions, potentially resulting in changes to your monthly payments.

What factors affect mortgage interest rates in the UK?

Several factors can influence mortgage interest rates in the UK, including the Bank of England base rate, market competition, inflation, and the lender’s assessment of your risk profile. It’s important to stay updated on these factors when searching for the best rates.

Who are the top mortgage lenders in the UK?

Some of the top mortgage lenders in the UK include major banks such as Barclays, HSBC, Lloyds Bank, and Nationwide. However, there are also smaller lenders and building societies that may offer competitive rates. It’s worth exploring a range of lenders to find the best mortgage deals.

How can I secure the best mortgage deal?

To secure the best mortgage deal, it’s important to compare rates, consider additional fees and charges, and review the terms and conditions of each loan offer. Seeking advice from a mortgage broker can also help you navigate the process and find the most suitable deal for your circumstances.

What are the affordability criteria for getting a mortgage in the UK?

Affordability criteria for mortgages in the UK typically include factors such as your income, credit score, employment status, and existing debts. Lenders will assess your ability to make repayments and may have different criteria for determining mortgage rates.

What is the mortgage application process in the UK?

The mortgage application process in the UK involves providing documentation such as proof of income, identification, and bank statements. It’s also important to have a Mortgage Agreement in Principle (AIP) before applying, as it demonstrates your eligibility and can help streamline the application process.

What are the mortgage rate predictions for 2024 in the UK?

Mortgage rate predictions for 2024 are subject to market conditions and economic factors. It’s wise to consult with experts and stay informed about trends in the housing and finance sectors to get a better understanding of what interest rates may look like in the future.

How can I negotiate mortgage rates with lenders?

Negotiating mortgage rates with lenders requires careful preparation and research. You can compare offers from multiple lenders, use your creditworthiness as leverage, and consider seeking advice from a mortgage broker to help you negotiate the best possible rates for your mortgage.

What are rate locks and how can they benefit me?

Rate locks allow borrowers to secure a specific interest rate for a set period, typically between 30 to 120 days, while their mortgage application is being processed. This can be beneficial when market rates are fluctuating, as it protects you from potential rate increases during that period.

What are the different mortgage repayment options available in the UK?

In the UK, you can choose between different mortgage repayment options, including principal and interest payments, interest-only mortgages, and offset mortgages. Each option has its own features and considerations, so it’s important to understand them and choose the one that suits your financial goals and circumstances.


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