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The amount you pay on your mortgage each month and over the entire period of the loan usually depends on a variety of factors – it’s rarely as simple as multiplying your rate by your balance. Relevant factors include whether your mortgage is ‘repayment’ or ‘interest only’, your loan balance and whether you are on a fixed, capped or variable rate.

For help in understanding the different types of mortgages available, and for no-obligation advice on the best deal for you, just fill in the form on this page to be contacted by a mortgage expert who will compare the mortgage market and take you through your options. It’s fast, it’s free and you could save thousands a year in interest payments.