Mortgage rate
Mortgages & secured lendingThe interest rate you pay on a mortgage loan.
Overview
Rates can be fixed, tracker, or variable depending on the product.
Your credit profile and deposit can affect the rate offered.
Why it matters
- It determines your monthly payments.
- It affects the total cost of your mortgage.
- Small differences can add up over time.
FAQs
Can I negotiate a mortgage rate?
Some lenders may offer better rates depending on your profile.
Does my credit score affect my mortgage rate?
Yes. Stronger credit profiles often receive better rates.
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