Discount Mortgages
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5 of the best Discounted Mortgages on the market today. If you are interested in any of the products below simply click on the DETAILS button for more information.
Initial
Rate &
Period
Rate
Thereafter
Overall
Cost for
Comparison
Early
Repayment
Charges
Fees
Payable
LTV
Other
Features/
Conditions
 
5.69% for 2 years 
Bank Base + 0.69%, currently 7.09%
7.1% APR

See Details

Arrangement Fee £1849
60%
Details

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5.79% for 2 years
Bank Base + 0.79%, currently 7.09%
7.1% APR
See Details
Arrangement Fee £1849
75%
Details

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5.99% for 3 years

Bank Base + 0.99%, currently 7.00%

7.1% APR

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Arrangement
Fee £999
60%
Details

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 6.09% for 2 years

Bank Base + 0.99% currently 7.06%

7.2% APR

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Arrangement Fee 1349
75%
Details

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6.09% for 5 years
currently 7.00%
6.8% APR

See Details

Arrangement Fee £999
75%
Details

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Catch the good rates. If you would like to know what rates are available to you right now, simply click on the QUOTE button and answer a few easy questions. Our experienced consultants will search the market and contact you with the options available to suit your circumstances.
Speak to our friendly senior adviser, Emma Fellows. Emma Fellows CeMap is a longstanding employee of Home & Landlord Mortgages with over six years experience in the Financial Services sector. Emma has an extensive portfolio of properties herself and recently appeared on the BBC documentary "What makes Britain rich?" Emma is a fully qualified Mortgage Advisor and is an integral part of the Company and offers advice on a full range of mortgages for your home.

Discount Mortgages


Everyone loves a discount – and it’s no different when we shop around for a mortgage. Discount mortgages are a huge part of the home loan market and the best offer rock bottom rates for borrowers. Switching from a standard mortgage to a good discount deal can literally knock hundreds of pounds off your monthly repayments. Use the savings wisely and you can then clear your mortgage years ahead of your original schedule. The only problem can be finding the best discount deals in an increasingly crowded – and confusing – market.
So here’s all you need to know about discount mortgages. Follow our six steps and you’ll know if a discount is right for you and how to find the best deals in an increasingly crowded market.
Neil Simpson is a former Personal Finance Journalist of the Year and writes regularly on property, mortgage and insurance issues for the Mail on Sunday and many other publications.

Points to Check for Vendors

Before advertising the property it is as well to research equal properties in the area for a guide on prices. Choose a month when sales are better not for example during July and August or November and December.

Having decided to sell the property make sure doors, drawers and windows all close properly. Do any repairs or ‘finishing off’ that maybe required inside and outside the property.

When ready, ask friends whom they consider to be good estate agents or check for sale boards for the one with the most sold signs. Get more than one valuation and choose the most likely true valuation rather than just go for the highest. This maybe a ruse to get vendors on their books and if it does not create interest will ask for the price to be lowered having just wasted time

Check the description of the property before it is advertised.

Next, unclutter the property i.e. move surplus furniture into storage (not the garage) and cut down on ornaments. Make sure the kitchen and bathroom are clean and tidy.

All this done, when showing people round brighten the room with fresh flowers and remember to say what will be left (if anything) such as appliances or carpets.

12% Rise in Gross Lending

At £21.3bn new figures show that gross mortgage lending was up 12% from last year.

The figures show a higher level of remortgaging in the month. Average loan approvals for house buying was £156,900 this was 13% higher than the previous year.

182,950 mortgages across the board were approved during the month of July. It seems that borrowers were fixing mortgage costs or changing products.

Trends are stable, partly because it is the holiday season and these are expected to remain stable for another month or two.




Landlord Mortgages and Home are trading names of Landlord Mortgages Ltd who are authorised and regulated by the Financial Services Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. The actual rate will depend upon your circumstances. Please ask for a Key Facts Illustration.
 
 
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