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class="icon-twitter"></a> </li> </ul> </div> </header> <div id="content"> <div class="region region-header"> <div class="ad-leaderboard"> <div id="leaderboard" style="margin: 0 auto 40px;"></div> </div> </div> <div id="cookie-warning"> <a href="#" class="close icon-close" title="OK"></a> <p>We use cookies to enhance your visit to our site and to bring you advertisements that might interest you. Read our <a href="https://web.archive.org/web/20161002053921/http://www.independent.co.uk/service/privacy-policy-a6184181.html">Privacy</a> and <a href="https://web.archive.org/web/20161002053921/http://www.independent.co.uk/service/cookie-policy-a6184186.html">Cookie</a> Policies to find out more.</p> </div> <div class="tabs"></div> <div class="region region-content"> <div class="term-listing-heading"> <header class="section-title "> <h1 class="box-title"> <span class="title">Mortgages</span> <span class="slogan"></span> </h1> </header> <div class="content"> <div class="row" data-tb-region="row-1"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/an-offset-mortgage-could-save-thousands-of-pounds-in-interest-costs-and-reduce-the-term-of-your-home-a6940181.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-cc" style="background-image: url('https://web.archive.org/web/20161002053921im_/https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/03/18/21/Yorkshire-Rex.jpg');"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/an-offset-mortgage-could-save-thousands-of-pounds-in-interest-costs-and-reduce-the-term-of-your-home-a6940181.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/an-offset-mortgage-could-save-thousands-of-pounds-in-interest-costs-and-reduce-the-term-of-your-home-a6940181.html"><span class="media-prefix "></span>An offset mortgage could save thousands of pounds in interest costs</a></h1> <div class="lead"> <p><span style="line-height: 20.8px;">Offset deals are seen as complicated and only suitable for those with large savings balances. Both of these assumptions are wrong, says Andrew Hagger</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161002053921im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/02/26/22/Buy-to-Let.jpg');"> <a href="/web/20161002053921/http://www.independent.co.uk/news/uk/politics/loophole-means-buy-to-let-landlords-could-exploit-government-starter-homes-a6899056.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/news/uk/politics/loophole-means-buy-to-let-landlords-could-exploit-government-starter-homes-a6899056.html"><span class="media-prefix "></span>Loophole means buy-to-let landlords could exploit Starter Homes</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-cc" style="background-image: url('https://web.archive.org/web/20161002053921im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/11/23/00/homes-Getty.jpg');"> <a href="/web/20161002053921/http://www.independent.co.uk/money/how-low-can-they-go-home-loans-edge-towards-1-a6877621.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/how-low-can-they-go-home-loans-edge-towards-1-a6877621.html"><span class="media-prefix "></span>How low can they go? Home loans edge towards 1%</a></h1> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu0" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-2"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/now-is-the-time-to-switch-mortgages-and-save-thousands-a6849136.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/12/12/18/15-bristol-homes-get.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/now-is-the-time-to-switch-mortgages-and-save-thousands-a6849136.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/now-is-the-time-to-switch-mortgages-and-save-thousands-a6849136.html"><span class="media-prefix "></span>Now is the time to switch mortgages and save thousands</a></h1> <div class="lead"> <p>It may take a few hours – but it’s worth it to get a few thousand extra in your pocket</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/02/01/19/50-Mortgage.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/news/business/news/surprise-mortgage-jump-confounds-expectations-a6847816.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/news/business/news/surprise-mortgage-jump-confounds-expectations-a6847816.html"><span class="media-prefix "></span>Surprise mortgage jump confounds expectations</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/11/16/property-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/fixed-rate-mortgages-fall-to-even-lower-levels-a6839056.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/fixed-rate-mortgages-fall-to-even-lower-levels-a6839056.html"><span class="media-prefix "></span>Fixed rate mortgages fall to even lower levels</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/housing-hotspots-in-2016-london-prices-may-settle-commuter-belt-will-rise-and-first-time-buyers-a6803611.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/09/04/AN88739847--Mandatory-Credi.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/housing-hotspots-in-2016-london-prices-may-settle-commuter-belt-will-rise-and-first-time-buyers-a6803611.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/housing-hotspots-in-2016-london-prices-may-settle-commuter-belt-will-rise-and-first-time-buyers-a6803611.html"><span class="media-prefix "></span>Where will the housing hotspots be in 2016?</a></h1> <div class="lead"> <p><span style="line-height: 20.8px;">Chris Menon asks the experts for their property price predictions and finds it won't be all about London... and that rate rises could sabotage the forecasts</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/how-to-get-free-of-the-mortgage-trap-a6761241.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-tl lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/12/04/21/trapped-house-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-to-get-free-of-the-mortgage-trap-a6761241.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-to-get-free-of-the-mortgage-trap-a6761241.html"><span class="media-prefix "></span>How to get free of the mortgage trap</a></h1> <div class="lead"> <p>Rising property prices, living costs and rents have condemned people to living in properties where they no longer want to be. Samantha Downes reports</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-3"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu4" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/help-to-buy-isas-five-things-you-need-to-know-about-tax-free-savings-schemes-a6761146.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2015/12/04/19/sold-signs-corbis.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-to-buy-isas-five-things-you-need-to-know-about-tax-free-savings-schemes-a6761146.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-to-buy-isas-five-things-you-need-to-know-about-tax-free-savings-schemes-a6761146.html"><span class="media-prefix "></span>Help To Buy Isas: Five things you need to know</a></h1> <div class="lead"> <p>Help To Buy Isas were launched on Wednesday and offer <span style="line-height: 20.8px;">a government bonus of 25 per cent of the amount you save</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/how-the-new-help-to-buy-isa-works-a6752261.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tl lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2015/11/27/21/AN86269390LONDON-ENGLAND---.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-the-new-help-to-buy-isa-works-a6752261.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-the-new-help-to-buy-isa-works-a6752261.html"><span class="media-prefix "></span>How the new Help to Buy Isa works</a></h1> <div class="lead"> <p><span style="line-height: 23.1111px;">Andrew Hagger clarifies some common misconceptions about the Government's latest bid to boost UK home ownership</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu3" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-4"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/bsa-report-highlights-growth-in-demand-for-mortgages-in-retirement-a6734291.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tl lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/11/13/23/AN85182608Sainsburys-Credit.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/bsa-report-highlights-growth-in-demand-for-mortgages-in-retirement-a6734291.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/bsa-report-highlights-growth-in-demand-for-mortgages-in-retirement-a6734291.html"><span class="media-prefix "></span>BSA report highlights growth in demand for mortgages in retirement</a></h1> <div class="lead"> <p><span style="line-height: 23.1111px;">Consumers are tending to buy their first home later in life and need longer, more affordable repayment options</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/how-to-get-a-mortgage-if-youre-over-65-a6724881.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/11/06/20/metro-bank-rex.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-to-get-a-mortgage-if-youre-over-65-a6724881.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-to-get-a-mortgage-if-youre-over-65-a6724881.html"><span class="media-prefix "></span>How to get a mortgage if you're over 65</a></h1> <div class="lead"> <p><span style="line-height: 23.1111px;">There are some lenders, often smaller building societies, that take a more individual approach</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/11/06/19/for-sale-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-to-buy-isas-how-to-get-a-grant-of-up-to-6000-for-your-home-deposit-a6724861.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-to-buy-isas-how-to-get-a-grant-of-up-to-6000-for-your-home-deposit-a6724861.html"><span class="media-prefix "></span>Help-to-Buy Isas: Get a grant of up to £6,000 for your home deposit</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="3-2"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/10/23/21/leeds-building-society.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/switching-mortgages-take-advantage-of-low-interest-rates-and-lots-of-choice-a6706926.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/switching-mortgages-take-advantage-of-low-interest-rates-and-lots-of-choice-a6706926.html"><span class="media-prefix "></span>There has probably never been a better time to re-mortgage</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/news/uk/home-news/graduates-and-young-professionals-are-being-priced-out-of-londons-housing-market-sutton-trust-warns-10505128.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/09/17/10/londonrent.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/news/uk/home-news/graduates-and-young-professionals-are-being-priced-out-of-londons-housing-market-sutton-trust-warns-10505128.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/news/uk/home-news/graduates-and-young-professionals-are-being-priced-out-of-londons-housing-market-sutton-trust-warns-10505128.html"><span class="media-prefix "></span>Graduates and young professionals are being 'priced out' of London's</a></h1> <div class="lead"> <p>Number of graduates being forced to live with parents or in shared accommodation is continuing to rise, think-tank's report describes</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-5"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu1" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/interest-only-mortgages-a-million-homeowners-are-sleepwalking-into-disaster-10497567.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/09/11/23/AN79425667APGJ3B-Miller-Sle.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/interest-only-mortgages-a-million-homeowners-are-sleepwalking-into-disaster-10497567.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/interest-only-mortgages-a-million-homeowners-are-sleepwalking-into-disaster-10497567.html"><span class="media-prefix "></span>Interest-only mortgages: homeowners are sleepwalking into disaster</a></h1> <div class="lead"> <p>An Independent reader's dreams for a decent retirement are shattered</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/interest-rate-rise-have-you-budgeted-for-the-possibility-of-higher-mortgage-repayments-10497565.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/09/11/23/IN19231159File-photo-dated-.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/interest-rate-rise-have-you-budgeted-for-the-possibility-of-higher-mortgage-repayments-10497565.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/interest-rate-rise-have-you-budgeted-for-the-possibility-of-higher-mortgage-repayments-10497565.html"><span class="media-prefix "></span>Have you budgeted for a possible interest rate rise?</a></h1> <div class="lead"> <p>There are thousands of borrowers out there who have yet to experience the consequences of a mortgage market where rates start to climb</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-6"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/news/business/news/mortgages-interest-only-deals-a-ticking-time-bomb-for-one-million-homeowners-10485906.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/07/20/14/monopoly-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/news/business/news/mortgages-interest-only-deals-a-ticking-time-bomb-for-one-million-homeowners-10485906.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/news/business/news/mortgages-interest-only-deals-a-ticking-time-bomb-for-one-million-homeowners-10485906.html"><span class="media-prefix "></span>One million interest-only mortgages holders could face repossession</a></h1> <div class="lead"> <p>Millions scooped the deals before the rules were tightened up three years ago</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/09/02/12/catchment.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/number-of-parents-moving-to-their-desired-school-catchment-area-is-increasing-according-to-santander-10482586.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/number-of-parents-moving-to-their-desired-school-catchment-area-is-increasing-according-to-santander-10482586.html"><span class="media-prefix "></span>Number of parents moving to their desired school catchment area is</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/08/21/21/ForSale-Getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/starter-home-initiative-is-urgently-needed-as-rents-go-through-the-roof-10466290.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/starter-home-initiative-is-urgently-needed-as-rents-go-through-the-roof-10466290.html"><span class="media-prefix "></span>Starter home initiative urgently needed as rents go through the roof</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/heat-rises-for-mortgage-deals-as-uk-homeowners-sense-a-rate-hike-coming-10456612.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/08/14/20/AN77460484LONDON-ENGLAND---.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/heat-rises-for-mortgage-deals-as-uk-homeowners-sense-a-rate-hike-coming-10456612.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/heat-rises-for-mortgage-deals-as-uk-homeowners-sense-a-rate-hike-coming-10456612.html"><span class="media-prefix "></span>Heat rises for mortgage deals as UK homeowners sense a rate hike</a></h1> <div class="lead"> <p>The housing market should go quiet in August but instead people have been acting like cheap loans won't last. Do we really have to rush, asks Simon Read</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-7"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/an-interest-rate-rise-may-be-on-the-way-act-now-to-secure-a-better-mortgage-deal-10415095.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/07/24/22/MarkCarney-PA.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/an-interest-rate-rise-may-be-on-the-way-act-now-to-secure-a-better-mortgage-deal-10415095.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/an-interest-rate-rise-may-be-on-the-way-act-now-to-secure-a-better-mortgage-deal-10415095.html"><span class="media-prefix "></span>An interest rate rise may be on the way - act now to secure a better </a></h1> <div class="lead"> <p>Competition has driven rates down but they could start drifting upwards</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/03/28/19/4-mortgages-PA.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/money-insider-time-to-borrow-before-rates-move-up-10301438.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/money-insider-time-to-borrow-before-rates-move-up-10301438.html"><span class="media-prefix "></span>Money Insider: Time to borrow before rates move up</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/05/24/14/mortgage-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/great-rate-or-is-it-watch-out-for-the-deals-that-mislead-us-10301364.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/great-rate-or-is-it-watch-out-for-the-deals-that-mislead-us-10301364.html"><span class="media-prefix "></span>Great rate! Or is it? Watch out for the deals that mislead us</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/money-insider-borrowers-can-cry-mortgage-freedom-10273092.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/05/24/14/mortgage-getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/money-insider-borrowers-can-cry-mortgage-freedom-10273092.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/money-insider-borrowers-can-cry-mortgage-freedom-10273092.html"><span class="media-prefix "></span>Money Insider: Borrowers can cry mortgage freedom</a></h1> <div class="lead"> <p>One in six homeowners are considering remortgaging this year</p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu2" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-8"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot parter-slot-1"> <div id="partner1"> </div> </div> <div class="es-partners-slot parter-slot-2"> <div id="partner2"> </div> </div> <div class="es-partners-slot parter-slot-3"> <div id="partner3"> </div> </div> <div class="es-partners-slot parter-slot-4"> <div id="partner4"> </div> </div> <div class="es-partners-slot parter-slot-5"> <div id="partner5"> </div> </div> </div> </article></div><div class="row" data-tb-region="row-9"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/is-a-10-year-mortgage-deal-a-fix-too-far-10237879.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/05/08/21/Up_film_still.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/is-a-10-year-mortgage-deal-a-fix-too-far-10237879.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/is-a-10-year-mortgage-deal-a-fix-too-far-10237879.html"><span class="media-prefix "></span>Is a 10 year mortgage deal a fix too far?</a></h1> <div class="lead"> <p>A cut-price deal for a decade-long home loan - where's the problem? Only, says Simon Read, that circumstances can change and it won't be easy to get out</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/04/18/11/mortgage-getty-1.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/hsbc-becomes-first-bank-to-offer-five-year-fixed-rate-mortgage-with-interest-rate-under-2-10186537.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/hsbc-becomes-first-bank-to-offer-five-year-fixed-rate-mortgage-with-interest-rate-under-2-10186537.html"><span class="media-prefix "></span>HSBC becomes first bank to offer five-year fixed rate mortgage with</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/04/10/17/Michael-Williams-Justin-Sutcliffe.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/simon-read-pension-mortgages-leave-a-sting-in-the-tail-as-pie-in-the-sky-promises-fail-to-deliver-10168838.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/simon-read-pension-mortgages-leave-a-sting-in-the-tail-as-pie-in-the-sky-promises-fail-to-deliver-10168838.html"><span class="media-prefix "></span>Simon Read: 'Pension mortgages leave a sting in the tail as 'pie in</a></h1> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/help-for-buyers-but-where-are-the-homes-10124130.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/03/20/18/Construction_Getty.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-for-buyers-but-where-are-the-homes-10124130.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-for-buyers-but-where-are-the-homes-10124130.html"><span class="media-prefix "></span>Help for buyers but where are the homes?</a></h1> <div class="lead"> <p>A vote-winning Budget promised less tax, greater savings flexibility, and government handouts for first-time housebuyers</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-10"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot parter-slot-1"> <div id="partner6"> </div> </div> <div class="es-partners-slot parter-slot-2"> <div id="partner7"> </div> </div> <div class="es-partners-slot parter-slot-3"> <div id="partner8"> </div> </div> <div class="es-partners-slot parter-slot-4"> <div id="partner9"> </div> </div> <div class="es-partners-slot parter-slot-5"> <div id="partner10"> </div> </div> </div> </article></div><div class="row" data-tb-region="row-11"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/news/business/news/how-much-would-osborne-s-isa-actually-help-you-to-buy-in-different-parts-of-the-uk-10119497.html" data-tb-region-item="1-1"> <div class="image_wrapper"> 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class="container grid-mod-list no-title"> <ul class="simple-news-list"> <li class="story" data-tb-region-item="2-1"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/help-to-buy-isa-qa-are-they-real-help-for-first-time-buyers-or-simply-a-vote-winner-for-the-2020-10118723.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161002053921/https://static.independent.co.uk/s3fs-public/styles/storylist/public"/> </div> <h2>Help to Buy Isa Q&A;: Are they real help for first-time buyers or</h2> </a> </li> <li class="story" data-tb-region-item="2-2"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/how-much-lower-will-mortgage-rates-go-10045734.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" 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href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/pension-mortgages-the-advice-i-was-given-was-wrong-and-now-i-face-losing-my-home-9937060.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161002053921/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2014/12/19/19/AN59119388Michael-Williams-.jpg"/> </div> <h2>Pension mortgages: 'The advice I was given was wrong and now I face</h2> </a> </li> <li class="story" data-tb-region-item="2-5"> <a href="/web/20161002053921/http://www.independent.co.uk/news/business/news/autumn-statement-cut-in-stamp-duty-will-affect-98-of-homebuyers-9900802.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161002053921/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2014/12/03/14/03DecNewStampDutyWeb.jpg"/> </div> <h2>Autumn Statement: Cut in stamp duty 'will affect 98% of homebuyers'</h2> </a> </li> </ul> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/why-people-in-the-30s-and-40s-can-t-get-a-mortgage-anymore-9880427.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2014/11/24/17/web-mortgages-rexv1.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/why-people-in-the-30s-and-40s-can-t-get-a-mortgage-anymore-9880427.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/why-people-in-the-30s-and-40s-can-t-get-a-mortgage-anymore-9880427.html"><span class="media-prefix "></span>Why people in the 30s and 40s can’t get a mortgage anymore</a></h1> <div class="lead"> <p>Post-crisis, older borrowers are beginning to struggle</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-12"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/recovery-hopes-grow-as-mortgage-rates-fall-to-lowest-level-on-record-9854994.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2014/06/12/17/mortgage.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/recovery-hopes-grow-as-mortgage-rates-fall-to-lowest-level-on-record-9854994.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/recovery-hopes-grow-as-mortgage-rates-fall-to-lowest-level-on-record-9854994.html"><span class="media-prefix "></span>Recovery hopes grow, as mortgage rates fall to lowest level on record</a></h1> <div class="lead"> <p>Market turmoil last month was behind the fall in mortgage costs</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161002053921oe_/http://www.independent.co.uk/money/mortgages/young-britons-buying-foreign-homes-as-way-of-getting-on-to-property-ladder-9849240.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2014/11/08/21/18-Herengracht-EPA.jpg"> <a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/young-britons-buying-foreign-homes-as-way-of-getting-on-to-property-ladder-9849240.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161002053921/http://www.independent.co.uk/money/mortgages/young-britons-buying-foreign-homes-as-way-of-getting-on-to-property-ladder-9849240.html"><span class="media-prefix "></span>Young Britons buying foreign homes to get onto property ladder</a></h1> <div class="lead"> <p>Data from ONS shows that two million people between the ages of 25 and 44 left the UK in the decade to 2012</p> </div> </div> </div> </article></div> </div> </div> </div> </div> <footer id="mastfooter" tynt-data="no-content"> <div class="stamp"></div> <ul class="follow"> <li>Follow us:</li> <li> <a href="https://web.archive.org/web/20161002053921/https://www.facebook.com/TheIndependentOnline" target="_blank" title="Facebook" class="icon-facebook"></a> </li> <li> <a href="https://web.archive.org/web/20161002053921/https://twitter.com/independent" target="_blank" title="Twitter" class="icon-twitter"></a> </li> </ul> <ul class="links"><li><a href="/web/20161002053921/http://www.independent.co.uk/service/user-policies-a6184151.html" title="">User Policies</a></li> <li><a href="/web/20161002053921/http://www.independent.co.uk/service/privacy-policy-a6184181.html" title="">Privacy Policy</a></li> <li><a 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