The Virgin One Account

As mortgages get harder to find, the One Account could be the perfect answer

Click here to apply for The One Account today and forget about your mortgage

Still Looking for a traditional mortgage?

Looking for a standard remortgage?, click here for a quote

Looking for an adverse credit remortgage, click here for a quote

Want a self certificate remortgage quote?, click here for a quote

With our mortgage calculator, you can see easily how much money you can save on your mortgage deal by getting a better rate and perhaps overpaying on your loan to kill off the total amount repayable and the term of the loan get a free remortgage quote here. Unless you are lucky enough to be able to buy your house outright the chances are you will have to take out a mortgage. This is when the lender of your mortgage has first charge over the property.

The UK mortgages market is very competitive but most of the lenders are fighting for your business, this makes remortgaging a very attractive option. It used to be the case that you stuck with your mortgage provider from start to finish but now it makes sense to chop and change as better mortgage deals become available, Mortgage Advice Services are offering a free remortgage quotation.

Free Online Mortgage Calculator for Overpayments
Loan Amount £
Interest Rate	%
Loan Period	Years
Monthly overpayments £

The array of mortgages can be overwhelming at times, there are fixed rate mortgages, discounted mortgages, buy to let mortgages, variable rate mortgages, tracker mortgages etc etc so you may wish to use the services of a mortgage broker to help advise you on the most suitable mortgage for your needs.

A £100,000 repayment mortgage over 25 years at an interest rate of, say, 6% would cost £644 a month. So, over 300 months, the total cost would come to £193,290 - the original £100,000, plus £93,290 in interest. So, in this example, we pay back around £1.93 for every pound borrowed. However, making regular overpayments can slash thousands off your interest bill and the time taken to repay your mortgage, especially if you have a flexible mortgage. As this overpayment calculator demonstrates, an additional payment of £50 in the above example reduces our interest bill to £77,280 - a saving of over sixteen grand. Furthermore, this overpayment shortens the life of our mortgage by over 3½ years, which means 3½ years more freedom!

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