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Ex-Grenadier Guard saves his home which was teetering on a cliff edge

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A former soldier has today saved his clifftop house from the wrecking ball after dramatically managing to drag it back 10ft from the abyss.

Lance Martin’s victory came after more than 24 hours of frantic efforts to move the wooden property using huge diggers, but just after midday he raised his arms in triumph as the first movement was evident.

The former Grenadier Guard had been given a ‘high noon’ deadline by officials from Great Yarmouth Borough Council, telling him that if the contractors were unable to move the house significantly by 12pm, the council would have to consider issuing a demolition order.

Lance’s rag-tag army of friends, neighbours and contractors, whose men and plant were borrowed from a nearby holiday park in Hemsby, Norfolk, toiled all yesterday and this morning to get the wooden structure to shift.

By yesterday evening, no-one was optimistic as their efforts had failed to move the house a single inch.

BEFORE AND AFTER: The house in Hemsby, Norfolk, is pictured yesterday (left) and today (right) after it was dragged back 10ft from the abyss

Lance Martin, 65, raises his arms in joy after the successful movement in Hemsby, Norfolk

Lance Martin, 65, raises his arms in joy after the successful movement in Hemsby, Norfolk

The victory came after more than 24 hours of frantic efforts to move the wooden property

The victory came after more than 24 hours of frantic efforts to move the wooden property

The team had hoped that a huge telegraph pole, which was hoisted to side of the property facing the sea, would pull the building in one piece once steel cables and chains were attached on either end.

But as yesterday drew to a close, the pole snapped like matchwood due to the pressure on each end, so a way had to be found to pull it from the middle.

A key breakthrough came after the team realised that a concrete plinth under part of the house was impeding movement.

This was broken up in stages by hand and removed, then a thick canvas strap was fed underneath to the back of the property, and attached to the telegraph pole still braced against the back edge of the structure, now chained in several places so that the fracture did not matter.

As the powerful 13-tonne digger hauled on the central strap, fed through the front door, a second, smaller excavator managed to shift one corner of the building a fraction, using a chain attached to its hydraulic arm, at which point Lance, 65, raised his arms in triumph and hugged friends and supporters.

After repeating the process several times, the entire property – though it clearly suffered some damage in the process – had been edged more than 3m back from the cliff edge towards safety.

A council official, who had arrived at the property around noon, made his way back down the road after seeing the house moving.

‘It’s given us the breathing space we needed,’ a delighted Mr Martin told MailOnline. 

‘Now we’ve shown it can be moved, we can make proper arrangements to put the house across the road once we’ve cleared the site, which will hopefully give me the time I need.’

Earlier Mr Martin said he must ‘move or lose’ the tiny two-bedroom wooden house which is now barely three feet from the edge of the disappearing cliff.

Mr Martin's rag-tag army of friends, neighbours and contractors toiled to move the house

Mr Martin’s rag-tag army of friends, neighbours and contractors toiled to move the house

The former Grenadier Guard had been given a 'high noon' deadline by council officials

The former Grenadier Guard had been given a ‘high noon’ deadline by council officials

The entire property was edged more than 10ft (3m) back from the cliff edge towards safety

The entire property was edged more than 10ft (3m) back from the cliff edge towards safety

The former soldier dramatically saved his clifftop house from the wrecking ball

The former soldier dramatically saved his clifftop house from the wrecking ball

But yesterday, after trying all day to move the property on its concrete base, tonight he called a halt, temporarily at least.

‘I’m not giving up,’ he said last night, after a 30ft (10m) long telegraph pole snapped like matchwood under the pressure of the earth-movers as it was braced against the house to avoid damaging the structure.

The contractors’ time and their machinery were donated gratis by one of Mr Martin’s neighbours, owner of The Pines, a former Pontins holiday camp in Hemsby, where major rebuilding is taking place.

Friends from the Beach Café kept a supply of croissants and bacon rolls to keep the workforce going as the morning wore on.

Mr Martin said: ‘These guys have been terrific and I’m so grateful to them and to the Pines for their help, as well as the local lifeboat crew who brought us the telegraph poles. The whole community has helped with this.’

The fast-moving drama came after three properties along the same beach, were demolished at the weekend following a succession of extremely high tides on the east Norfolk coast. 

Mr Martin's army of friends, neighbours and contractors worked to shift the wooden structure

Mr Martin’s army of friends, neighbours and contractors worked to shift the wooden structure

Lance Martin and his team moved the house from the edge of the cliff in Norfolk today

Lance Martin and his team moved the house from the edge of the cliff in Norfolk today

Mr Martin purchased the house at Hemsby in Norfolk for £95,000 in 2017

Mr Martin purchased the house at Hemsby in Norfolk for £95,000 in 2017

He was previously told by a surveyor to expect 3ft of dune loss each year due to erosion

He was previously told by a surveyor to expect 3ft of dune loss each year due to erosion

A fourth property was demolished today, almost simultaneously as Mr Martin’s was saved.

In 2018 Mr Martin was able to drag his wooden property named ‘Dune Fall’ away from the coast, using heavy machinery, and now he knows his only chance to save it means having to do the same again.

But having lost 13ft (4m) to the sea in just the last weekend, time, tide – and the odds – are mounting against him.

He was one of five residents of The Marrams in Hemsby to be evacuated last Thursday, after a 11ft (3.5m) tide threatened their homes once again.

Now he says he wants to drag it back a further 130ft (40m) with a tractor, after several neighbouring homes were demolished last weekend.

Although Mr Martin has been granted time for his ‘adaptation plan’ (moving the property) before demolition is considered necessary, he said he had been told privately he was ‘number one’ on the demolition list.

He told MailOnline: ‘The council first of all, gave me a week to ten days to move it.

The property suffered some damage in the process but was edged back from the cliff

The property suffered some damage in the process but was edged back from the cliff 

Mr Martin suffered almost 100ft of dune loss during the Beast from the East storm in 2018

Mr Martin suffered almost 100ft of dune loss during the Beast from the East storm in 2018

Earlier Mr Martin said he must ¿move or lose¿ the tiny two-bedroom wooden house

Earlier Mr Martin said he must ‘move or lose’ the tiny two-bedroom wooden house

The interior of the house in Hemsby, Norfolk, following the move by Mr Martin's team

The interior of the house in Hemsby, Norfolk, following the move by Mr Martin’s team

‘But obviously their timetable moves with the record erosion around the coastline.

‘I’ve heard this morning that I’ve been put down as number one on the demolition list, which is a bit worrying and upsetting.

‘Obviously, I can only work as fast as people can get the machinery to me. I can’t do anything else. So on but they’re being asked to belong.

‘That’s why I’m putting a call out for as much machinery and planning to come down as possible so that we can get it done. ASAP.’

Mr Martin purchased the house for £95,000 in 2017 and insisted he could stand on its roof and still not see the sea when he first moved in.

He said he had no regrets about buying the property with its ‘infinity pool’ visible through the window, as he jokingly referred to the North Sea.

He was told by a surveyor to expect 3ft of dune loss each year due to erosion, but revealed he lost almost 100ft alone during the Beast from the East storm in 2018.

Each of his neighbours have been evicted from their adjacent properties amid safety fears, but Mr Martin has always insisted he has no intention of leaving his dream home.

His previous plan to move the house inland cost him £100,000 and he put his own makeshift coastal defences on the beach below, with concrete blocks, but today those appeared to have little effect as the road beyond his house fell into the sea.

The council previously said it would have to consider issuing a demolition order

The council previously said it would have to consider issuing a demolition order

The team fed a thick canvas strap underneath the back of the property and attached it to a pole

The team fed a thick canvas strap underneath the back of the property and attached it to a pole

Lance Martin was helped by a team of friends, neighbours and contractors in Norfolk

Lance Martin was helped by a team of friends, neighbours and contractors in Norfolk

Today he told MailOnline he had mentally prepared himself to walk away from the property, saying: ‘I’m ever the optimist. There’s always opportunities, and I’ll find somewhere. I’m not particularly worried.

‘After 22 years in the Army, you learned to walk away from things and put them in little boxes. I will shed a tear for a minute or two then I’ll pack my bags and move on.

‘It’ll be the end of that fantastic infinity pool beyond me. Waking up to that every morning actually feeling the bass rumble of the sea through the through the building, is just a fantastic way to live.’

Mr Martin served in the Grenadier Guards from 1978 to 2000 and moved to the coast after he retired from his security job and sold his flat in Dagenham, East London.

A spokesperson for Great Yarmouth Borough Council’s coastal management team, Coastal Partnership East (CPE), said today: ‘Great Yarmouth Borough Council, via CPE, is initiating emergency works to reduce the erosion risk to the main access road for the Marrams. 

‘This road provides access for a number of properties and is also the conduit for utilities like water and electricity.’

‘All those with homes at risk have been visited by the council’s housing and community teams who continue to offer advice. 

‘Storage space for people who need somewhere to put belongings has been organised and assistance in moving items is being provided.’

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Luxurious four-bedroom riverside penthouse with views of London skyline goes on market for £6m

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Life at the top! Luxurious four-bedroom riverside penthouse with 2,599sq ft of space over two floors and fantastic views of London skyline goes on the market for £6million

  • The stylish duplex is located in the Victorian goods warehouse of Butler’s Wharf 
  •  As well as being split over two floors, the apartment has a unique water feature

A luxurious four-bedroom riverside penthouse with 2,599sq ft of space over two floors and fantastic views of the London skyline has gone on the market for £6million.

The spectacular home has three terraces, all of which boast incredible panoramic views overlooking Tower Bridge, the Shard, the Thames and the London city skyline.

The stylish duplex is located in the historic Victorian goods warehouse of Butler’s Wharf, which has made its name for being one of the most sought after addressed on the waterfront.

Butler’s Wharf was built in 1873 as a shipping wharf and warehouse complex for exotic goods like tea, coffee, fruit and fine fabrics that had been imported to London from Asia and the Caribbean. 

Today, it is known as the flagship residential building on the Tower Bridge riverside.

The stylish duplex apartment has three terraces to enjoy the panoramic views overlooking Tower Bridge, the Shard, the Thames and the London city skyline

The stylish duplex apartment has three terraces to enjoy the panoramic views overlooking Tower Bridge, the Shard, the Thames and the London city skyline

The apartment is on the sixth and seventh floors with an open plan living/dining room and a large kitchen/breakfast room on the seventh floor

The apartment is on the sixth and seventh floors with an open plan living/dining room and a large kitchen/breakfast room on the seventh floor

The four-bedroom penthouse in a historic Victorian goods warehouse is one of the most sought after addresses on the waterfront

The four-bedroom penthouse in a historic Victorian goods warehouse is one of the most sought after addresses on the waterfront

Most impressively, the property also features a walled garden with a unique water feature, which can be accessed from the main bedroom

Most impressively, the property also features a walled garden with a unique water feature, which can be accessed from the main bedroom

Butler's Wharf was built in 1873 as a shipping wharf and warehouse complex for exotic goods like tea, coffee, fruit and fine fabrics that had been imported to London from Asia and the Caribbean

Butler’s Wharf was built in 1873 as a shipping wharf and warehouse complex for exotic goods like tea, coffee, fruit and fine fabrics that had been imported to London from Asia and the Caribbean

When the docks in Shad Thames closed in the late 1960s, early 70s, the building was used as a film set and artists’ space – even featuring prominently in a 1983 Doctor Who episode about the Daleks. 

Then, in the late 1980s, it was converted into residential properties by British designer Sir Terence Conran.

In fact, the restaurants that Conran launched – including Le Pont de la Tour, where the Clintons and Blairs famously dined in the 1990s – are still there today.

This duplex apartment is one of the larger penthouses.

The large space also provides an incredible space for entertaining.

It has 2,599 sq ft of accommodation, which is split over two floors. 

The apartment is on the sixth and seventh floors with an open plan living/dining room and a large kitchen/breakfast room on the seventh floor.

Meanwhile, the terraces span the width of the penthouse.

This duplex apartment is one of the larger penthouses. The large space also provides an incredible space for entertaining

This duplex apartment is one of the larger penthouses. The large space also provides an incredible space for entertaining

Three of the four bedrooms have en-suite bathrooms and two have walk-in wardrobes

Three of the four bedrooms have en-suite bathrooms and two have walk-in wardrobes

On the sixth floor there are four bedrooms, three of which have en-suite bathrooms and two have walk-in wardrobes. 

Most impressively, the property also features a walled garden with a unique water feature, which can be accessed from the main bedroom.

It also has two secure underground parking spaces and 24-hour concierge service. But the new owner will need to pay a £15,000 service charge each year.

Speaking about the incredible property, Jon Byers, director at Anderson Rose who are selling the apartment, said: ‘This duplex penthouse is one of the neighbourhood’s finest homes.

‘As we come into the spring and summer seasons, residents can entertain across the penthouse’s three terraces whilst providing their guests with some of London’s most magical views.

‘The duplex is a London gem which we anticipate will garner much interest and not remain on the market for very long.’

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Grade II listed cottage where banoffee pie was created 50 years ago goes on the market for £550,000

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A Grade II listed cottage which was the birthplace of banoffee pie over 50 years ago has gone on the market for £550,000.

Monks Rest is one of the Hungry Monk Cottages which was created after The Hungry Monk restaurant in Jevington, East Sussex, closed down in 2012.

The owner of the eatery Nigel Mackenzie and his head chef Ian Dowding claim they invented the banoffee pie in 1971 after creating the dessert based off a San Francisco recipe for Blum’s Coffee Toffee Pie.

Now the detached house has been put up for sale, boasting oak beams and benefits from off-road parking to compliment the half a million pound price tag.

Described as a ‘spaciously proportioned charming period cottage’, the house also includes two bathrooms, a downstairs shower room, and three bedrooms including one with an en-suite.

Grade II listed cottage Monks Rest in Jevington, East Sussex, which was the birthplace of banoffee pie over 50 years ago has gone on the market for £550,000

Grade II listed cottage Monks Rest in Jevington, East Sussex, which was the birthplace of banoffee pie over 50 years ago has gone on the market for £550,000

Monks Rest is one of the Hungry Monk Cottages which was created after The Hungry Monk restaurant closed down in 2012

Monks Rest is one of the Hungry Monk Cottages which was created after The Hungry Monk restaurant closed down in 2012

The owner of the eatery Nigel Mackenzie and his head chef Ian Dowding claim they invented the banoffee pie in 1971 after creating the dessert based off a San Francisco recipe for Blum's Coffee Toffee Pie (file photo)

The owner of the eatery Nigel Mackenzie and his head chef Ian Dowding claim they invented the banoffee pie in 1971 after creating the dessert based off a San Francisco recipe for Blum’s Coffee Toffee Pie (file photo)

Now the detached house has been put up for sale, boasting oak beams and benefits from off-road parking to compliment the half a million pound price tag

Now the detached house has been put up for sale, boasting oak beams and benefits from off-road parking to compliment the half a million pound price tag

Where did the banoffee pie come from?

The banoffee pie recipe by Nigel Mackenzie and Ian Dowding was first published in The Deeper Secrets of The Hungry Monk in 1974.

It was later reprinted in their 1997 cookbook, In Heaven With The Hungry Monk.

In the early 1980s, supermarkets began to sell their versions of the sweet treat, but instead titled them as ‘American Pie’.

Mackenzie was keen to keep the title as the co-inventor of the much-loved dessert annd offered the public a £10,000 prize to anyone who could disprove their claim to be the English inventors of the pie

Speaking to the Telegraph in 1984, Mackenzie described the copying as ‘terribly galling’ and described the M&S version of the dish as ‘outstanding’ and Tesco’s as ‘disgusting’.

Said to be Margaret Thatcher’s favourite food to make, banoffee pie has been re-created by many celebrity chefs in the years since including British Bake Off legend Mary Berry.

Nigel Mackenzie sadly died in July 2015, and Ian Dowding works as a consultant chef and writer.

The area in which the property is located has been described as ‘the picturesque old-world village of Jevington within the South Downs National Park.’

The Hungry Monk Cottages property listing reads: ‘This Grade II listed cottage affords a 22′ sitting room as well as 2 further reception rooms and a 15’ kitchen/breakfast room.

‘Attractive features include a wealth of old oak beams and joinery as well as two inglenook-style fireplaces.

‘The property also benefits from off-road parking. An internal inspection will convey the charm and considerable appeal of this fine home.

‘Monks Rest is enviably situated in the heart of the idyllic downland village of Jevington which sits within the scenic South Downs National Park to which there is easy access from Monks Rest.

‘Friston Forest borders the southerly end of the village with the sea beyond at Birling Gap. There are mainline rail services from Polegate and Eastbourne to London Victoria and to Gatwick.

‘Eastbourne is about six miles distant and offers a range of private and state schools as well as shopping facilities. There is a world-class opera nearby Glyndebourne.’

The banoffee pie recipe by Nigel Mackenzie and Ian Dowding was first published in The Deeper Secrets of The Hungry Monk in 1974 and later reprinted in their 1997 cookbook, In Heaven With The Hungry Monk.

In the early 1980s, supermarkets began to sell their versions of the sweet treat, but instead titled them as ‘American Pie’.

Keen to keep the title as the co-inventor of the much-loved dessert, Nigel offered the public a £10,000 prize to anyone who could disprove their claim to be the English inventors of the pie. 

Described as a 'spaciously proportioned charming period cottage', the house also includes two bathrooms, a downstairs shower room, and three bedrooms including one with an en-suite

Described as a ‘spaciously proportioned charming period cottage’, the house also includes two bathrooms, a downstairs shower room, and three bedrooms including one with an en-suite

The area in which the property is located has been described as 'the picturesque old-world village of Jevington within the South Downs National Park'

The area in which the property is located has been described as ‘the picturesque old-world village of Jevington within the South Downs National Park’

The Hungry Monk Cottages property listing reads: 'This Grade II listed cottage affords a 22' sitting room as well as 2 further reception rooms and a 15' kitchen/breakfast room' (pictured)

The Hungry Monk Cottages property listing reads: ‘This Grade II listed cottage affords a 22′ sitting room as well as 2 further reception rooms and a 15′ kitchen/breakfast room’ (pictured)

The home is situated in the 'heart of the idyllic downland village of Jevington' which is within the scenic South Downs National Park

The home is situated in the ‘heart of the idyllic downland village of Jevington’ which is within the scenic South Downs National Park

Located near the Friston Forest borders, the home is on the southerly end of the village which is not far from the sea with the sea at Birling Gap

Located near the Friston Forest borders, the home is on the southerly end of the village which is not far from the sea with the sea at Birling Gap

The banoffee pie recipe by Nigel Mackenzie and Ian Dowding was first published in The Deeper Secrets of The Hungry Monk in 1974 and later reprinted in their 1997 cookbook, In Heaven With The Hungry Monk (pictured is Monks Rest cottage)

The banoffee pie recipe by Nigel Mackenzie and Ian Dowding was first published in The Deeper Secrets of The Hungry Monk in 1974 and later reprinted in their 1997 cookbook, In Heaven With The Hungry Monk (pictured is Monks Rest cottage)

Said to be Margaret Thatcher's favourite food to make, banoffee pie has been re-created by many celebrity chefs in the years since including British Bake Off legend Mary Berry (pictured is Monks Rest cottage)

Said to be Margaret Thatcher’s favourite food to make, banoffee pie has been re-created by many celebrity chefs in the years since including British Bake Off legend Mary Berry (pictured is Monks Rest cottage)

Speaking to the Telegraph in 1984, Mackenzie described the copying as ‘terribly galling’ and described the M&S version of the dish as ‘outstanding’ and Tesco’s as ‘disgusting’.

Said to be Margaret Thatcher’s favourite food to make, banoffee pie has been re-created by many celebrity chefs in the years since including British Bake Off legend Mary Berry.

Nigel Mackenzie sadly died in July 2015, and Ian Dowding works as a consultant chef and writer.

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How much would it cost to make your home greener?

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Two thirds of homeowners would like to make energy efficient improvements to their properties, a study from Butterfield Mortgages has found.

Environmental concerns are the greatest driver of change with over half (54 per cent) of respondents saying their worries have led them to consider increasing the energy efficiency of their homes.

But the cost of carrying out improvements such as insulation, heat pumps and double glazing can be high. 

Almost a fifth (17 per cent) of homeowners surveyed said they had considered remortgaging to fund energy-efficient upgrades – in the hope that it would then bring their energy bills down. 

Motivation: Some 46% of homeowners have been driven to make efficiency changes in their homes as a result of spiralling energy costs

Motivation: Some 46% of homeowners have been driven to make efficiency changes in their homes as a result of spiralling energy costs

Since coming out of the pandemic demand for gas has gone through the roof, but supply has struggled to catch up. It has sent prices soaring and pushed up the cost of gas and electricity for both households and businesses.

This has been compounded by Russia’s invasion of Ukraine which has led to a squeeze on gas supplies across Europe.

However, despite the wholesale price of gas and electricity falling since December household bills are still high.

In the survey, 46 per cent said that the energy crisis and spiralling costs had led them to accelerate their home renovation plans. The figure rises to 65 per cent among people aged between 18 and 34 years old. 

Other are motivated to improve the efficiency of their home in order to increase its future sale value, with 36 per cent saying they are making the changes in order to improve their home’s energy performance certificate rating.

Alpa Bhakta, chief executive of Butterfield Mortgages, said: ‘Homeowners are increasingly looking for ways to improve the energy efficiency of their properties, whether to reduce costs, improve future sale values, or contribute to a greener future. 

‘We can expect millions of owners to invest in home improvements in the months and years to come – and some may be looking to re-finance their property in order to do so.

‘Our research also uncovered a significant knowledge gap among homeowners that needs addressing. Less than half are aware of what the EPC rating of their property is.

Lofty ambitions: Wall or loft insulation is a popular way to make a home more energy efficient

Lofty ambitions: Wall or loft insulation is a popular way to make a home more energy efficient  

‘As sustainability considerations rise, homeowners and buyers alike will be turning to their brokers and lenders for guidance on EPC-related issues, particularly if legislation around residential properties is introduced in the future. 

‘Those who are aware of this growing trend now have an opportunity to become well-versed in the issues ahead of time and can help advise clients appropriately.’

EPC is a rating scheme which bands properties between A and G, with an A rating being the most efficient and G the least efficient. The most common EPC rating for homes in the UK is a D. 

Butterfield’s survey showed that just 40 per cent of homeowners know their property’s current EPC rating.

When asked what they had already done to make their homes greener, the most common improvements were installing LED light bulbs (66 per cent), investing in double or triple glazing (57 per cent), adding loft or wall insulation (55 per cent), and using a smart meter (46 per cent). 

How much do energy efficient home improvements cost?   

For those looking at adding efficiency improvements to your home, it is worth knowing the cost so you can decide what is best for your property.

Double glazing can save you up to £235 a year in energy bills, according to the Energy Saving Trust, keeping heat in and noise and drafts out. However, it comes with an big upfront cost. Fitting A-rated double glazing to the average semi-detached house costs around £7,500.

Keeping more heat in your home through wall or loft insulation is also a popular choice. Around 35 per cent of heat leaves buildings through the walls, according to insulation experts LoftZone.

There are two types of insulation, external and internal. External insulation involves fitting insulating material and then rendering or cladding over it. Internal insulation is mostly a form of thermal sheeting that is fitted to the inside walls. This will reduce room size when installed.

The cost of insulating the outside of a three-bedroom semi-detached home with solid wall insulation is around £12,000, or £8,500 if done inside, according to the Energy Saving Trust.

Double glazing reduces energy bills but comes with a significant upfront installation cost

Double glazing reduces energy bills but comes with a significant upfront installation cost 

However, that then leads to a big drop in energy bills – £240 a year for a mid-floor flat all the way up to £930 a year for a detached house.

Cavity wall insulation can save up to £1,800 a year but there can be serious issues if it is not properly installed.

Heat pumps are another way to improve your home’s green credentials. The work by gathering heat from either the air or ground and can replace traditional gas boilers and experts say they can cut up to 25 per cent off your energy bills as the devices require less power to run.

Air source heat pumps can cost between £8,000 and £14,000 to install, according to data from Uswitch.

Meanwhile, ground source heat pumps are generally pricier, with a system costing from £15,000 to £30,000.

What to do if you need a mortgage 

Borrowers who need to find a mortgage because their current fixed rate deal is coming to an end, or because they have agreed a house purchase, should explore their options as soon as possible.

This is Money’s best mortgage rates calculator powered by L&C can show you deals that match your mortgage and property value

What if I need to remortgage? 

Borrowers should compare rates and speak to a mortgage broker and be prepared to act to secure a rate. 

Anyone with a fixed rate deal ending within the next six to nine months, should look into how much it would cost them to remortgage now – and consider locking into a new deal. 

Most mortgage deals allow fees to be added the loan and they are then only charged when it is taken out. By doing this, borrowers can secure a rate without paying expensive arrangement fees.

What if I am buying a home? 

Those with home purchases agreed should also aim to secure rates as soon as possible, so they know exactly what their monthly payments will be. 

Home buyers should beware overstretching themselves and be prepared for the possibility that house prices may fall from their current high levels, due to  higher mortgage rates limiting people’s borrowing ability.

How to compare mortgage costs 

The best way to compare mortgage costs and find the right deal for you is to speak to a good broker.

You can use our best mortgage rates calculator to show deals matching your home value, mortgage size, term and fixed rate needs.

Be aware that rates can change quickly, however, and so the advice is that if you need a mortgage to compare rates and then speak to a broker as soon as possible, so they can help you find the right mortgage for you.

> Check the best fixed rate mortgages you could apply for 

Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.

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