• This calculator is for only for illustrative and guidance purposes only and is not an offer of a loan.
• The amount you can borrow and how long you can borrow for, will depend on your individual circumstances and is subject to lending criteria, terms and conditions.
• The calculation is based on limited information and does not take all factors into account for your particular circumstances.
• The example quoted is based on the lowest rate currently available in the market. This rate may not be available to you at the time of your application.
  These figures can change depending on many factors so contact us to discuss your requirements.
• The calculations are based on a fixed rate of 3% over the selected term, with the cost of credit determined on this basis. Interest rates from individual lenders may vary over time. The purpose of this calculator is to illustrate the potential benefits of switching to a lower rate over time.
• Switching your mortgage may involve costs, including but not limited to legal and valuation fees. Your mortgage advisor will provide a detailed breakdown of these costs should you proceed with the switching process. Some lenders may offer cashback incentives to help cover these expenses, which your mortgage advisor will also discuss with you.
• All calculations are based on the assumption that the information provided by you is accurate and are subject to lender approval. Rates include Green rate options, which are only applicable if your Building Energy Rating (BER) is B3 or higher. This tool is for illustrative purposes only, providing an overview of the potential cost of borrowing.
• Lender terms and conditions apply.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

WARNING: If you do not keep up your repayments you may lose your home.

WARNING: You may have to pay charges if you pay off a fixed-rate loan early.

WARNING: The cost of your monthly repayments may increase.