"Our mortgage team is committed to providing you with an excellent mortgage service". Illustration of the amount owed on an interest only mortgage Indicative interest rate (your actual rate may be different) Monthly repayment for a 12-month mortgage term Total interest paid over a 12-month period; £30,000: 2.99%: £74.75: £897: £60,000: 2.99%: £149.50: £1,794: £100,000: 2.99%: £249.17: £2,990 Important information for customers with an interest only mortgage ending between 20 March 2020 and 31 October 2021. A key consideration for lenders is affordability when they lend. Santander retirement mortgages. Mortgage costs are calculated on a repayment basis excluding any product fee and are intended for illustrative purposes only. If the term extension is already in place you can repay your mortgage in the normal way without any early repayment charges. For a Santander mortgage please call 0800 085 0980.For an Alliance & Leicester mortgage please call 0800 085 1970. If your mortgage has already ended or is about to, please call us on 0800 917 5630 to find out more. For part interest only sale of property with part capital and interest, the £250,000 is calculated on the equity at the end of the mortgage term. We’ll also be writing to customers about this, so you may wish to wait until you receive your letter and then call us to find out more. Includes loans on part and part; Maximum term 25 years. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can borrow up to 30% of the value of your property and your property must be worth at least £250,000 to qualify. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Santander and the flame logo are registered trademarks. Rest easier with an interest rate cap that limits the amount by which your monthly payment can increase, at each ARM rate adjustment and over the life of the loan. Some lenders will accept sale of property as a way of paying off the debt. your interest only mortgage balance will stay the same, unless you’re making overpayments, the amount of interest you pay will increase, as you will pay a further 12 months of interest. Click here for more details »>. Santander retirement mortgages LTV Percentages – always keep up repayments until you die or move into long term care. This is important to note, as the interest rate your secure today may not be as attractive later down the line. Yes, you can. Yes, you can. There is no fee for taking a term extension and there will be no early repayment charge should you wish to repay early. As an existing Santander mortgage customer see how much extra you could borrow and our latest rates. They also offer a great 3 year interest only fixed rate deal. This is only available to customers who are currently up to date with their mortgage payments. Santander interest only mortgage rates can be very similar to the best Santander equity release rates. Some interest only mortgage lenders will accept sale of property; some will have conditions on this e.g. This will reduce your mortgage balance over time, but at the end of the term there will still be an outstanding capital sum to repay. A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19. Typically lenders will want to see an individual with an income of at least £50,000 or a household income of £75,000 to lend on a interest only basis. If your mortgage interest rate moves onto either our Standard Variable Rate or our Follow On Rate at the end of your term, we’ll offer you a new 12 month mortgage term and a new interest rate. 60% loan to value interest-only lifetime mortgages … Save money on interest payments if you plan to move or refinance within a few years. Interest payments during the early years of your Adjustable Rate Mortgage (ARM) loan will be generally lower than those of a fixed-rate mortgage. The most competitively priced rate is available to homebuyers with a 30% deposit, and it is fixed at 1.08% until 2 August 2023. 50% ltv Santander retirement mortgages. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 30% loan to value monthly payment equity release Buckinghamshire Building Society. Yes, if you take a term extension you’ll need to continue making your monthly payments to cover your interest. We recognise that the impact of coronavirus may have affected your plans to repay your interest only mortgage, and that you might feel that now isn’t the right time to sell your property, or to carry out your previously agreed repayment plan. Santander Uk Plc 3.54% Fixed 62 LTV 90% mortgage 0117 313 7780 Full product details for the Santander Uk Plc 3.54% Fixed 62 LTV 90% mortgage , including application criteria, rates, suitability, restrictions, incentives, facilities, fees & charges and equity release. People usually consider remortgaging because they think they can get a better deal and reduce their monthly repayments, or because they want to increase their borrowing. *. Santander bought Abbey in 2004. Letters are automatically sent when an interest only term has ended. In line with the latest guidance from the Financial Conduct Authority, it may be possible to extend your interest only mortgage for a further 12 months to give you more time to make an arrangement to repay your mortgage balance. Reason for mortgage. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. a child's wedding or first home deposit. 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years 31 years 32 years 33 years 34 years 35 years 36 years 37 … Interest Only Option. By remortgaging you may be able to releasing equity in your home. £250 Cashback. If you want to talk to us about making changes to your interest only mortgage please call us on 0800 012 1583. What is a tracker rate mortgage This criteria will vary so speak to a broker such as ourselves will help you get the right deal for your circumstances. They’ll confirm your new expiry date, interest rate and monthly payments. If you need to move home in retirement, Santander retirement mortgages give you more options to buy a bigger house. For many people downsizing to a smaller home later in life is a logical step and often it will be to a part of the country where house prices are lower. 5 year fixed rate - £500,000 and Over Interest Only BO1391: 75% 2.14% 31st July 2026. Important information for customers with an interest only mortgage ending between 20 March 2020 and 31 October 2021: find out more. Call Post Office on 0808 178 6813 or click here to find out how much you could borrow ». Take a look. We’ll be in contact with all customers impacted by this nearer to their maturity date to ask if they would like the term extension. Enjoy an affordable monthly payment, lower than a fixed-rate mortgage. Compare all interest only mortgage rates here and find the best interest only mortgage but bear in mind your monthly repayments will only cover the interest that accrues so you will need another way to repay the balance at the end of the term. This makes our LTV 50%. If you’re affected by coronavirus and your interest only mortgage term finished, or is due to finish, between 20 March 2020 and 31 October 2021, Santander, in line with FCA guidance, can offer you a term extension for 12 months. £70,000. If you are not sure whether now is the right time to remortgage or whether you can get an interest only deal speak to our independent mortgage broker team who will be able to offer impartial advice. Save money on interest payments if you plan to move or refinance within a few years. The earlier you find a repayment solution, the more options will be available to you, so we’d encourage you to continue with any permanent solution you have. This trend is likely to continue in 2018, with nearly a third of eligible homeowners planning to remortgage, as revealed in. The main reason is to keep monthly costs to a minimum. Remortgaging essentially means switching from your existing mortgage to a new one. Alternatively you may need to remortgage with a new lender to get an interest only basis mortgage. Property value. Mortgages Direct provides an independent mortgage quotes and advice service. The impact of Brexit is likely to affect the market and could well lead to rising inflation and a squeeze on family finances, making remortgaging to cut monthly repayments an attractive option. The earlier you find a repayment solution, the more options will be available to you, so we’d encourage you to continue with any permanent solution you have. 4.55%. This term extension is only available to customers who have an interest only mortgage and are living in their mortgaged property. 50% loan to value lumpsum lifetime mortgages More2Life. Get a mortgage deal that is suited to your needs! If you ask us for a term extension you should carefully consider if it is right for you, and take independent financial advice if you’re not sure. Santander Interest Only Mortgages. 329 - 339 Putney Bridge Road Wandsworth SW15 2PG Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. However at the end of the 12-month period you’ll still need a solution to repay your mortgage. if you’re looking to sell, the value of your property may have decreased at the end of the term extension period. An indication of monthly payments is included below: If your mortgage has an interest rate that tracks the Bank of England base rate at a set figure, we’ll offer you a term extension for 12 months, but your interest rate and your mortgage contract terms and conditions will remain the same. It’s important that you consider all the options available before requesting a further one-year term, as you need to make an informed decision and be aware of the risks. This term extension is only available to customers who’re up-to-date with their payments. 50% loan to value (LTV) home reversion plans Norton Finance. If you’d like to discuss a term extension on your buy to let mortgage, please call us on 0800 917 5630. Invalid LTV. However at the end of the 12-month period you’ll still need a solution to repay your mortgage. Lenders take different approaches to sale of house as a exit strategy for paying off a mortgage. Where sale of property is not acceptable to lenders, they will often want to see statements of your investments as evidence that a repayment vehicle is in place. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Registered Number 2294747. Take a look . Free no-obligation valuation Santander pensioner mortgage. New product for Feb 2021. Some will want to see a saving plan such as regular investment into ISAs or investment vehicle. you need to hold an interest only mortgage with us, on a property you live in (not on a Buy to Let mortgage), your mortgage term must end between 20 March 2020 and 31 October 2021, and. Those affected are Abbey customers whose mortgage is covered by the bank's 2002, 2004, February 2006 or December 2006 standard mortgage conditions. Complete our 30 second form to find the latest deals, Compare quotes for leading UK lenders with an FCA qualified adviser with no obligation. Interest rates will likely change over the course of your introductory period. People often remortgage to provide money for: Free up funds from your home so you can live the life you want to. For pure interest only with sale of property the £250,000 is based on the deposit/equity at application. Santander for Intermediaries has launched a selection of broker-only mortgages available to borrowers purchasing a property. In assessing whether an interest only mortgage is right for you income criteria will come into play. ... Bank of England base rate and your mortgage. Yes, if you’ve taken a payment holiday you can still apply for this term extension. This means that the amount of interest you pay overall will have increased by the end of your mortgage. Santander UK plc. If you wish to cancel your lifetime application, you will need to do it directly with the lifetime provider. If your term extension hasn’t been fully processed, please contact us so we can cancel the application for you.For a Santander mortgage please call 0800 085 0980.For an Alliance & Leicester mortgage please call 0800 085 1970. On an interest only mortgage of £200,000 over 25 years with an interest rate of 2.5%, your monthly repayments would be just £417. Criteria for lenders will vary but all will want to understand how you intend to pay off the mortgage at the end of the term. www.santander.co.uk. When we speak with you, we’ll explain how this might change your monthly repayments. Sale of mortgage property … 5 x income will require your salary to be over a set amount pa e.g. Please contact us so we can check your term extension is in place. Registered in England and Wales. Santander for Intermediaries has removed its minimum income requirement for borrowers looking for interest-only mortgages. Yes, you can. This term extension is only available to customers whose mortgage expired from 20 March 2020, however if you’d like to discuss what options are available to you, please call us on 0800 917 5630. This term extension is only available to our interest only mortgage customers, however if you would like to see if we can offer an extension on your mortgage as part of our standard policy, please call us on 0800 917 5630. Yes, you can make overpayments at any time in the 12-month extension period without any early repayment charges. 55% Santander lifetime mortgage; 65% Interest Only Lifetime Mortgage Santander; 60% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Paragon Personal Finance; 50% loan to value (LTV) home reversion plans Norton Finance; 30% loan to value monthly payment equity release Buckinghamshire Building Society Information for interest only mortgage customers. 50% monthly payment equity release a Santander Lifetime Mortgage. If you are experiencing financial difficulties or your interest only mortgage is ending and you can’t repay, call us on 0800 731 6650. 25% LTV monthly payment lifetime mortgage Masthaven. We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands. Some lenders will want to know where you intend to downsize to so they can assess the valuation of properties and ensure you plan is plausible. 55% interest-only lifetime mortgages national counties building society; 40% loan to value interest-only lifetime mortgages long term family building society Mortgage term. We’ll be in touch again as you get closer to your new maturity date to discuss what options are available for you. Some lenders have no minimum income requirement although they may cap what you can borrow on an interest only basis up to e.g. The documents below are there to help you following our conversation about your interest only mortgage. mortages.direct is a trading style of Fair Investment Company. The good news is that in recent years a number of lenders have relaxed their criteria for this type of lending. Please make sure you meet the following criteria: I accept Mortgages.direct Terms & Conditions and Privacy Policy. This can be with a new mortgage provider, or the same one you are already using. Investment fees, charges and key documents. you need to be up to date on your mortgage repayments (not in payment arrears). Santander offer a fixed rate mortgage with competitive interest rates and a variety of loan to value options. www.santander.co.uk. A number of lender who offer higher income multiples when it comes to borrowing e.g. It’s important to note that house prices may fall as well as increase over time. "BOE base rate cut to 0.1% - Mortgage rates at all time low! No Valuation Fee. You will need to call us and we’ll be able to talk it through with you. Extending your mortgage in this way is called a ‘term extension’. The overall cost for comparison is 3% APRC. Mortgage Rates Set To Fall - Is It A Good Time To Remortgage? The product has a £1,249 arrangement fee. If you’re considering selling your property during or at the end of the 12-month term extension period, you may receive less for your property than the value today. Remortgage Moving home First Time Buyer Buy To Let. 65% LTV (Loan To Value). The SVR is the interest rate mortgage borrowers move onto after an introductory deal comes to an end. If we’re changing your interest rate, we’ll send you terms and conditions to sign and return to us. Post Office through their Retirement Link Mortgage » provide an interest only mortgage option which allows you to borrow on an interest only basis up to age 80. This could be right for you if you are looking for a good alternative to equity release or you are looking to home improvements or raise funds for something special e.g. Check now. Taking a term extension means you’ll continue to make your monthly mortgage payments. No, this term extension won’t have any impact on your credit file. How will this move impact your mortgage... Sign up to our Newsletter to get exclusive news and offers direct to your inbox. In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. Our Financial Services Register number is 106054. ... Estimate how much your mortgage payments might be if you changed your mortgage term, repayment method or interest rate. If your interest rate isn’t changing, as you’re on a Bank of England tracker rate, we’ll send a letter to you confirming the 12-month extension. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. 60% loan to value (LTV) lifetime mortgage with flexible drawdown cash release Paragon Personal Finance. Compare Santander Interest Only Mortgages. Lenders are keen understandably to ensure at the end of the mortgage term the loan will be repaid. The maximum Loan to Value for any Interest Only element of a mortgage is 75%. No lenders fee. However at the end of the 12-month period you’ll still need a solution to repay your mortgage. If you're looking for information about the Bank of England base rate or Santander’s Follow-on Rate and how changes might affect you. By switching to a better deal with a different mortgage provider, an interest only mortgage could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments. If you’re cashing-in investments, the value in a year’s time could be lower than the value today. For advice on your interest only options click here. Things to be mindful of include: FREE Valuation Offer - Post Office offer a great range of interest only mortgage offers - Click here. 2019 looks set to be another strong year for remortgaging. Previously there was a £50,000 requirement for single clients or £70,000 for joint applicants. By using our website you consent to all cookies in accordance with our Cookie Policy. If we’re not able to assist you there may be … NatWest require you to have at least £200k of equity in your property at time of sale. Your current mortgage lender may offer an interest only option or part and part option. We’ll always confirm your term extension in writing to you within 7 days, so if you haven’t received it please contact us so we can check it for you.For a Santander mortgage please call 0800 085 0980.For an Alliance & Leicester mortgage please call 0800 085 1970. For information on our fees and charges see our Santander tariff of mortgage charges (2.74 MB) This calculator is for illustrative purposes only. ", click here to find out how much you could borrow », speak to our independent mortgage broker team. A repayment vehicle strategy will be required. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. This website uses cookies to improve user experience. £350 Cashback. Many (but not all) lenders will offer to pay these costs when you switch your mortgage to them to make remortgaging more attractive. 25% loan to value lump sum lifetime mortgages Equifinance. Should you clear any arrears on your mortgage within the term extension period which ends on 31 October 2021, we should be able to offer an extension to you. 1.96% MER Santander – interest only lifetime mortgage options for 2021 Remove tax-free money from your property with an Interest only lifetime mortgage Santander No regular monthly payments unless you want to make interest-only payments Use the cash to pay off loans and credit cards If you already have a payment arrangement agreed, please call us to discuss this. With the balance if you are borrowing more than this being on an interest & repayment of capital basis. Post Office is offering a great deal on their 5 year fixed rate interest only mortgage with no product fee. When we speak to you to discuss your mortgage maturity, we’ll look at all available options. Where you’ve chosen to sell your home to repay your mortgage, you must read the document below, sign the declaration and return it to us. Rates correct as at 20 April 2021 and may be withdrawn at any time. There are usually several costs associated with remortgaging, typically including a valuation fee, administration fee and legal fee. Please could you wait for your letter and only get in touch once you have 3 months left on your term, to let us deal with customers who have already expired or are closer to maturity. For example, if property prices fall by the time your extended term ends you may get less for your property compared with selling it today, and this might affect your ability to sell and downsize to another suitable property in your local area. If you already have a repayment plan in place, for example your property is on the market or already under offer, or your endowment or other policy pay-out is due or has already been received, you may decide it’s best to continue with your plan to repay your mortgage now, and not ask for a term extension. Most lenders will only offer an interest only mortgage if the loan to value (LTV) is lower than a set percentage of the value of the property you are mortgaging.This is typically 75% LTV or less. Call Finance Hunt in … When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options. Once we have received the signed copies, we’ll make the changes to your mortgage and confirm in writing once it has been completed. No Valuation Fee. We are sorry you didn’t find this answer helpful, please tell us how you think we can improve this page. Different lenders will also have different criteria regarding how you pay the mortgage back. Santander has also removed its minimum income requirement to qualify for an interest-only mortgage from a previous threshold of £50,000 for … Interest Only Option. Your buy to Let mortgage, please call us on 0800 012 1583 assessing whether interest... Alliance & Leicester mortgage please call 0800 085 0980.For an Alliance & Leicester mortgage please call 0800 1970... Only basis up to e.g time Buyer buy to Let mortgage, please tell how! Being on an interest only basis mortgage who are currently up to date with their payments up! `` BOE base rate and your mortgage please tell us how you pay the mortgage.! Value of your mortgage term, repayment method or interest rate: 2 Triton,... To value ( LTV ) lifetime mortgage of the 12-month period you ’ d like to discuss this we been! S website www.fca.org.uk/register will require your salary to be another strong year for remortgaging for interest-only mortgages meet following... Amount of interest you pay the mortgage back mortgaged property way without any early repayment charges monthly payments cover... Only mortgage and are living in their mortgaged property of Fair investment Company and offers Direct to needs. In retirement, Santander retirement mortgages give you more options to buy a house! Mortgages.Direct terms & conditions and Privacy Policy or click here to find more... Our Newsletter to get an interest only BO1391: 75 % 2.14 31st. This term extension won ’ t have any impact on your buy to Let,... Give you more options to buy a bigger house lenders are keen understandably to ensure at the end of property... 5 x income will require your salary to be up to 30 % loan to (... Are calculated on a repayment basis excluding any product fee and legal fee mortgage rates to. And return to us to 30 % of the value in a year ’ s time could be lower a! News is that in recent years a number of lender who offer higher santander interest only mortgage rates multiples when it comes an. Its minimum income requirement for single clients or £70,000 for joint applicants make your monthly payments service '' taken payment! Although they may cap what you can trust you 're in good hands not be attractive. 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Wish to repay your mortgage mortgage deal that is suited to your new expiry date interest... ``, click here to find out more 's place, London, NW1,. Who offer higher income multiples when it comes to borrowing e.g Intermediaries has its... A good time to remortgage, as revealed in deals for many years so you borrow. Services Register by visiting the FCA ’ s time could be lower than value! Using our website you consent to all cookies in accordance with our Cookie Policy about to, please call to! Mortgaged property call Finance Hunt in … interest rates and a variety of to. Mortgage is right for you fixed rate deal no, this term extension you ’ re investments! Available options 0.1 % - mortgage rates set to be another strong year for remortgaging any impact on mortgage. Cap what you can make overpayments at any time in the 12-month period you ’ ll explain how might... Payment holiday you can make overpayments at any time in the normal way without any early repayment should. You changed your mortgage... sign up to our Newsletter to get news... Consent to all cookies in accordance with our Cookie Policy a saving plan such as regular into... Loan to value for any interest only with sale of property as a exit for! October 2021 answer helpful, please call us on 0800 917 5630, with nearly a of... Building Society 012 1583 our mortgage team is committed to providing you with an excellent mortgage service.. As a way of paying off the debt and there will be contacted by a mortgage... There is no fee for taking a term extension is only available to customers who have interest. Can borrow on an interest only mortgage ending between 20 March 2020 and 31 October 2021 explain how this change... Can still apply for this type of lending discuss this lenders is affordability when they lend mortgages give more... Today may not be as attractive later down the line Fair investment.. Repayment method or interest rate mortgage with no product fee their mortgage payments illustrative purposes only new one reason to! Amount of interest you pay overall will have conditions on this e.g way. Options to buy a bigger house up-to-date with their payments come into play looking to sell, value. Offer a great 3 year interest only element of a mortgage or any other debt on! To all cookies in accordance with our Cookie Policy already in place a basis. For borrowers looking for interest-only mortgages about to, please tell us how you pay overall will conditions. May fall as well as increase over time in retirement, Santander retirement mortgages give you options! Affordable monthly payment equity release Buckinghamshire Building Society your options here to find out more Conduct and! That in recent years a number of lender who offer higher income when!, the value today ’ ll send you terms and conditions to sign and return us! Won ’ t have any impact on your mortgage a key consideration for lenders affordability!... Estimate how much your mortgage in the normal way without any early repayment charges requirement single... Svr is the interest rate mortgage borrowers move onto after an introductory deal comes to an end is in... Loans on part and part option as a way of paying off the.. With our Cookie Policy the end of the term extension on your credit file to borrowing.! Service '' in payment arrears ) that the amount of interest you pay overall will have conditions this. Services Register by visiting the FCA ’ s website www.fca.org.uk/register Cookie Policy looks set to fall - it... Cookies in accordance with our Cookie Policy this criteria will come into play Buyer buy to Let mortgage please! 25 % loan to value lump sum lifetime mortgages More2Life SVR is the interest,... Extension and there will be repaid payments to cover your interest on it terms and to... Provider, or the same one you are already using and Privacy Policy time of sale bigger... Available for you income criteria will vary so speak to you to discuss your mortgage ''. To 30 % loan to value lumpsum lifetime mortgages Equifinance to borrowing.. The SVR is the interest rate ourselves will help you get closer to your interest value in a ’. Value ( LTV ) home reversion plans Norton Finance 2019 looks set to be over a set pa. Money for: Free up funds from your home so you can borrow on an only! Have conditions on this e.g a repayment basis excluding any product fee United Kingdom means! Property the £250,000 is based on the Financial Conduct Authority and regulated by the Financial Conduct Authority regulated! The value today in accordance with our Cookie Policy Hunt in … rates... This on the Financial Conduct Authority and regulated by the Prudential Regulation Authority value today year fixed rate interest with... For any interest only option or part and part ; Maximum term 25 years you, we ’ changing... Way is called a ‘ term extension is already in place you can borrow up 30! And recommending mortgage deals for many years so you can trust you 're in good hands ’... Lenders are keen understandably to ensure at the end of the value of your maturity. Is committed to providing you with an interest & repayment of capital.! Providing you with an interest only fixed rate - £500,000 and over interest mortgage. Is only available to customers who ’ re up-to-date with their mortgage payments a regulated mortgage to. Than this being on an interest only mortgage ending between 20 March 2020 and 31 October 2021: find how... Regular investment into ISAs or investment vehicle home so you can make at! As attractive later down the line making changes to your interest only mortgage between... Ended or is about to, please call us to discuss what options are for! Is 75 % 2.14 % 31st July 2026 news and offers Direct your. More options to buy a bigger house % - mortgage rates set to fall - is it good... And offers Direct to your new maturity date to discuss this directly with the lifetime provider United Kingdom to %. We ’ ll look at all available options a fixed rate interest only element of a mortgage is %. Refinance within a few years lenders are keen understandably to ensure at the of. 3 year interest only mortgage with flexible drawdown cash release Paragon Personal Finance re not able to talk to about!
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