Welcome to our mortgage centre. We’ve teamed up with London & Country Mortgages Ltd (L&C), who know a thing or two about mortgages, to provide you with some handy tools. These allow you to calculate how much you can afford and what your monthly mortgage payments will be.

Not as much fun as looking at nice properties, we agree, but crunch some numbers and you’ll be more likely to keep your feet on the ground … however much your head may be in the clouds.

Mortgage calculators How much can I borrow? What will my monthly costs be? What will happen if mortgage interest rates rise or fall? How much will I pay in stamp duty when I buy a property? How much can I borrow on a buy to let mortgage? How much rent do I need to charge to finance a buy to let mortgage?

fixed | discount/tracker | capped | offset | buy-to-let What is a fixed rate mortgage? With a fixed rate mortgage, the interest rate of the mortgage remains the same for a period of time – often 2 years, but can be longer. read more What is a fixed rate mortgage? With a fixed rate mortgage, the interest rate of the mortgage remains the same for a period of time – often 2 years, but can be longer. In recent years, the Government has tried to stimulate interest in long-term fixed rate mortgages, but borrowers’ habits indicate that they prefer not to be tied in to their mortgage for too long. The fixed rate mortgage is favoured by those who like to know exactly what they are paying each month. close panel Lender Initial rate Subsequent Rate Overall cost for comparison (APR) Mortgage type / term Early repayment charges Max % LTV Fee Halifax 5.69 7.00 6.90 Fixed until 30/06/11 3% reducing to 2% until 30/06/11 75 999 HSBC 5.73 6.50 6.40 Fixed until 30/06/13 5% reducing to 1% until 30/06/13 90 499 Manchester 5.99 5.99 6.20 Fixed for term None 85 2% Principality 5.58 7.09 6.50 Fixed until 30/06/18 8% until 30/06/18 75 999 Principality 5.64 7.09 7.20 Fixed until 30/06/10 3% until 30/06/10 90 999

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