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What's Your Mortgage Rate?

What's Your Mortgage Rate?


Interest rates are an important factor in mortgages, and can add a substantial amount to the basic capital sum repayable over the life of your loan.

If you can’t recall the interest rate you’re being charged, you are not alone. One in three borrowers were unable to give the correct answer in a recent survey*. With 7.6 million active mortgages in Britain, up to 5 million people could be in the dark about what interest rate they are paying on their mortgage.

Those who did know their rate were more aware of the impact a rate rise may have on their finances. It makes sense to keep an eye on current rates and what a rise might mean for your household budget.

Mortgages are a major expense, so make sure you’ve got a good deal. If it’s been a while since you took out your loan, with mortgage rates currently low this might be a good time to arrange a review with your mortgage adviser.

*YouGov, 2016.
You may have to pay an early repayment charge to your existing lender if you remortgage Your home may be repossessed if you do not keep up repayments on your mortgage.

Important Information

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Typically we do not charge a fee for mortgage advice, however if we do, depending on your circumstances, it will be a maximum of £250.

As with all insurance policies, conditions and exclusions will apply.


The Mortgage Shop (N.I) Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority Registered Office: The Mortgage Shop (N.I) Ltd, 132 Great Victoria Street, Belfast. BT2 7BG. Registered Company Number: NI26842. Registered in Northern Ireland.