A simple, straightforward mortgage
Every month, your payments cover the interest you owe and a little of the money you borrowed. As time goes by and your overall debt gets smaller, the amount you owe in interest reduces, so more of your monthly payment goes towards paying off the money you borrowed.
Things to bear in mind
- an Early Repayment Charge may apply if you choose to fully repay your mortgage, depending on your interest rate
- we don’t lend for business purposes or Buy to Let.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Is an Offset Mortgage more suited to you?
Already got some money saved up? You can use your savings to reduce your interest payments by linking your savings and current account(s) with your mortgage so you only pay interest on the difference.
Don’t know your APRs from your elbow? Whether you’re a first time buyer, remortgaging your current house, moving to a new place or an existing customer, we’ve got a handy guide for you.