Britain's largest mortgage lender predicts house prices will hardly move next year – but its index shows prices fell by 1.3% over the year to November.
Are you muddled about mortgages?
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What does the mortgage market hold for 2013?
What does 2013 have in store for the mortgage market? Will base rate rise and will first-time buyers get an easier ride? And what will happen to house prices?
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The year that was – mortgages
A lot has happened in the mortgage market over the past year. Here, we run through some of the highlights.
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Buying a home overseas
Bargain property prices, historically low interest rates, and a stronger pound are putting Brits ahead, says Clare Nessling.
Read more... -
How to beat 62K second-time buyer gap
First-time buyers looking to move up the property ladder face a huge financial gap thanks to falling house prices, lost equity and low savings.
Read more...
Sniffing out the latest news?
Brits still have the home-owning bug
Despite high prices and the difficulty of saving up a deposit, people still want to own a home rather than be tenants, new research shows.
North-south divide narrows as London property prices fall
London property prices dropped during November, the first time in a year, and the north-south property divide is starting to close.
HSBC steps up mortgage war with new 1.99% deal
HSBC has launched a new two-year fixed-rate mortgage at 1.99%, catapulting itself to the top of tables with the lowest deal on offer.
...our six of the best
close show all six picks-
Fixed RateHSBC Fixed Rate
- Why we like it:
- Pay 1.99% interest until February 2015
- Overpay by up to 20% of monthly repayment
- Watch out for:
- Fee of £1999
- You need deposit of 40%
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Base Rate TrackerSantander 2 Year Tracker
- Why we like it:
- Interest is 2.79% (2.29% above base rate) for 2 years
- Fee of £995
- Watch out for:
- You need a 30% deposit
- Early repayment charge for 2 years
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DiscountHSBC Discount Special
- Why we like it:
- Pay 2.49% for 2 years
- Fee of £999
- Watch out for:
- You need a 40% deposit
- Early repayment charge applies for 2 years
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OffsetYorkshire Building Society Offset BRT
- Why we like it:
- Rate is 2.89% (2.39% above base rate) for 2 years
- Fee of £995
- Watch out for:
- You need a deposit of 25%
- Early repayment charge until March 2015
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First Time BuyerBritannia Building Society 2 Year Fixed Rate
- Why we like it:
- You can borrow 90% of the purchase price
- Rate is 3.99% for 2 years
- No fee
- Watch out for:
- Early repayment charge for 2 years
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Buy to LetVirgin BTL Everyday Tracker
- Why we like it:
- Pay 3.25% variable until Feb 2015
- You can borrow 60% of purchase price
- Watch out for:
- Fees of 2.5% of the mortgage
- Early repayment charge of 1% of outstanding loan
We know how much you value choice...
So check out all these mortgages available today!
- Lender
- Initial rate & duration
- Standard rate
- Overall cost for comparison
- Max loan to value