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How Hawkstone can help you

Choosing the right mortgage can be a confusing and lengthy process which is why it’s worth talking to a mortgage specialist like Hawkstone. We’ll take time to understand your needs and goals and then explain all the options available in a straightforward and approachable way.

We’ll take the complexity out of the mortgage maze, giving you real peace of mind.


With a fixed rate mortgage, the interest rate stays the same throughout the initial rate period which means your payment amounts and the length of the agreement are fixed. You know exactly what you’re paying each month – and changes to interest rates don’t affect it.


Tracker mortgages work at a set margin above the Bank of England base rate. So if the base rate is 0.5% and you’re on a +2% tracker deal, you’ll pay 2.5% interest on your mortgage. Tracker mortgage deals can last anything from one year, to the entire loan agreement.


With an offset mortgage, funds are offset against your savings. That means that if you have a mortgage of £250,000 and £50,000 in a savings account, you are only charged interest on £200,000 of your borrowing.
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Mortgage Calculator

Please note that these results are an estimate and should not be considered as a mortgage quote.

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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is £750.