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Base Rate Tracker
The interest rate is a fixed percentage above Bank Base Rate for the mortgage term. So if Bank Base Rate rises, up goes your monthly repayment; if it drops, down goes your monthly repayment.
Find out more about Base Rate Tracker Mortgages
Discounted Rate
The interest rate will be our standard variable rate with a discount for a specific period at the start of the mortgage. Your monthly repayments will therefore be lower than our standard variable rate for the discounted rate period.
Find out more about Discounted Rate Mortgages
Fixed Rate
The interest rate will be fixed for a specific period at the start of the mortgage. Could be an appropriate choice if you want to be certain that your monthly repayments are going to stay put for a fixed period.
Find out more about Fixed Rate Mortgages
Standard Variable Rate
This is our ‘plain vanilla’ mortgage. The interest rate charged (and therefore your monthly repayments) can change, for example, due to market conditions, throughout the mortgage term.
Find out more about Standard Variable Rate Mortgages
Offset
Here you can use the money in your N&P Gold Current Account and/or your N&P Offset Savings Account to reduce the balance of your mortgage on which interest is calculated, which helps reduce the total amount of interest you pay.
Your monthly repayments continue to be calculated on the mortgage balance and, therefore, the overpayments you make will help to repay your mortgage more quickly and reduce the interest you pay overall.
Find out more about Offset Mortgages
Spanish Mortgages
If you are thinking about buying a property on the Costa Blanca, the Costa del Sol or in Almeria as your main residence, retirement home or for your holidays, talk to us.
We’re rather good at sorting out mortgages in Spain with many years of experience and dedicated local managers who will help you every step of the way.
Find out more about Spanish Mortgages
Brown Mortgages
A mortgage for people who want to convert or restore property.
Find out more about Brown Mortgages
Green Mortgages
A special mortgage only for new homes or an existing property that you want to make more energy efficient. Choose this Norwich and Peterborough mortgage and we’ll do our bit to help the planet breathe.
Find out more about Green Mortgages
Self Build
If you’re looking to build your own home, it can sometimes be difficult to find someone to lend you the money, but we’re very comfortable with the idea. This mortgage helps you buy the land and pay for the construction as your home takes shape.
Find out more about Self Build Mortgages