Help with mortgage interest rates

As interest rates rise and fall, they can have an impact on mortgage and rent payments. Here’s what to do if you’re a homeowner or are trying to get onto the housing ladder for the first time.

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Why interest rates matter

When you borrow money for anything, the total you pay back depends on the interest rate. Here’s what you need to know.

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If your fixed or discounted rate mortgage is ending

If you’re coming to the end of a fixed or discounted rate deal and are worried about changing mortgage interest rates, follow these steps to make sure you consider all your options.

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If you’re stuck on an uncompetitive rate

If you think you’re paying too much for your mortgage, follow these steps to explore your options.

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What to do to keep up with mortgage payments

If you’re struggling to keep up with repayments, here’s what to do.

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Using equity in your home to cope with rising costs

If you’re worried about rising costs, you might consider freeing up cash, such as using equity in your home or re-mortgaging. While it’s worth considering, it also comes with significant long-term implications.

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If you are looking to buy your first home

The good news is that first-time buyers pay no stamp duty on properties costing up to £425,000. You can also claim further relief on stamp duty if your property value doesn't exceed £625,000. 

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Have you missed a payment?

If so, now is the time to get debt advice

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