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<ul> <li><strong>Fixed</strong> mortgages offer fixed interest rates over a specific period. When this period ends, your mortgage interest rate will be switched to our Standard Variable Rate.</li> <li><strong>Discount</strong> mortgages have a discounted interest rate, meaning it’s set at a certain below our Standard Variable Rate for a fixed term. When this period ends, your mortgage interest rate will switch to our Standard Variable Rate.</li> </ul>

<ul> <li>The length of time that you’d like to set the introductory deal (for example, a fixed rate over 5 years).</li> </ul>

<ul> <li>The length of time that you’d like to pay off your mortgage.</li> </ul>

<ul> <li><strong>Repayment</strong> means that your monthly payments combine accrued interest with a partial repayment of the amount borrowed. At the end of the term, your mortgage would be paid in full.</li> <li><strong>Interest-only</strong> payments cover accrued interest only. At the end of the mortgage term, you’ll still owe the amount borrowed and must be able to repay this in full.</li> </ul>