Base Rate Trackers

Mortgages are set at a specified amount above the Bank base rate, but may also include an introductory discount as in discounted mortgages initially. Changes in the bank base rate lead to an immediate alteration in the mortgage payment.

Mainly applicable to homeowners over sixty years of age, who are asset rich but income poor. They use their home as an asset to benefit from additional income or a cash lump sum.

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