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Today's Cheapest Deals

• 1.99% - HSBC / First Direct
• 1.99% - The Mortgage Works
• 2.35% - Natwest / RBS
• 2.39% - Chelsea Building Society

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Guide to Mortgaging

There are two types of home loans available for remortgaging or new home buying. The first is a simple repayment plan where you pay some of the loan off each month with interest and at the end of the lending period there is no outstanding balance. An interest only loan is where you only pay interest and the loan is never paid. These types of product are slowly being withdrawn from the market.

You can always see how much these are going to cost you by using one of the many calculators online.

Types of Mortgages

There are many deals and offers for new or remortgages to refinance an existing debt and these generally fall under the following categories:

• Variable - where the interest rate rises and falls generally in line with the Bank of England base rate
• Fixed - where the interest is fixed for a certain period of time and then goes back to a variable after the discount period
• Offset - these can be on a fixed or variable interest rate but the loan is offset against your other accounts such as a current or savings account - these types of mortgages can knock several years off the length of the loan but check the terms are competitive.

Current Interest Rate Terms

Here are the current rates on offer in the market place today for standard variable products (SVR):

• Bank of England base 0.5%
• Halifax SVR 3.5%
• Nationwide SVR 3.99%
• HSBC SVR 3.94% (this does not track the BOE)
• Barclays SVR 4.99% (via the Woolwich)
• Santander SVR 4.34%

Today you may need a higher deposit than in recent years and most of the best buys in the market are lower than the SVRs quoted above.

Other Information

The mortgage market lenders and specialist brokers are regulated in the UK by the Financial Services Authority who are the official organisation overseeing these companies and also have some excellent advice and guidance on financial arrangements. To find out how much you have to pay each month check out our new mortgage repayment calculator that shows you the total loan repayments each month, for the length of the loan and how much interest you pay over the lifetime of the mortgage.