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This is the amount you'll pay each month to your lender. It includes both capital repayment and interest (for repayment mortgages).
The total cost of borrowing over the entire mortgage term. Lower rates and shorter terms reduce total interest.
The percentage of the property value you're borrowing. Lower LTV gets better rates: under 60% is excellent, over 90% is expensive.
Tax on property purchases. First-time buyers pay nothing up to £425,000. Standard buyers pay nothing up to £250,000.
Every 5% extra deposit can unlock better rates. Aim for at least 15% for competitive rates.
Check your credit file 6 months before applying. Fix errors and pay down credit cards.
Rates vary significantly. Use a broker to access exclusive deals not available directly.
Even £50/month extra can save thousands in interest and years off your mortgage.