What mortgage suits me?

Do you prefer to plan your budget years in advance or go with the up and downs in the NatWest Bank base rate? Maybe you’re looking to pay off your mortgage early, or borrow more money as time goes on.

Take a look at the options see which type of mortgage suits you best.

• Fixed rate mortgage – plan ahead with confidence
• Bridging loan – helps you buy before you’ve sold your existing property
• Borrowing more – easy access to additional funds
• Lifetime mortgage – a way to provide additional funds in your retirement
• Spanish mortgage – realise your dream of a property abroad
• Buy-to-let mortgage – the first step to becoming a landlord

Want to know exactly what your monthly mortgage repayments will be? A fixed rate mortgage is ideal. Budgeting is easy, because whatever happens to interest rates, your repayments stay the same during the deal period.

• Fixed rate mortgages

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A bridging loan is usually taken out to help you buy your next property if the sale of your existing property hasn’t been completed. It can also be used to fund major refurbishments, or to buy a business. However, a bridging loan is only ever a short-term solution.

• Bridging loans

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If you need additional money, you may be able to borrow more with your mortgage. You can borrow for home improvements or almost any other purpose. Borrow from as little as £1,000, up to 95% of the value of your home – and spread the repayments over the remaining term of your mortgage or repay the additional borrowing earlier.

• Borrowing more

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A lifetime mortgage is an option specifically for over-60s. It can be useful if you’re looking to increase the funds you have in your retirement. You can borrow against the value of your home and use the money for almost any purpose.

• Lifetime mortgages

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Do you dream of owning property in Spain, but find that you’re put off arranging a mortgage with an overseas bank? You may want to consider a Spanish Mortgage service from a UK bank – a hassle-free, reliable way to buy in Spain.

• Spanish mortgages

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Thinking of becoming a landlord? Buy-to-let mortgages help you build up a portfolio of investment property, and most lenders also offer buy-to-let remortgages.

• Buy-to-let mortgages

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