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Bank Rate affects other interest rates in the economy – we use this as a tool to keep inflation stable Interest Only Mortgages When you have an interest only mortgage, your monthly payments only pay the interest charged on the amount you borrowed. Updated for 2026/27. Interest-only mortgages remain available in 2026 but under strict criteria. Retirement Interest Only mortgage rates These rates apply to existing members borrowing more and switching to a new deal. Instant interest only mortgage quotes and mortgage advice from Go Direct. View the requirements for taking out an interest only mortgage today. Discover how your repayments Find cheaper interest only mortgages fast with our panel of top UK based lenders and start saving today with Tiger. Learn about interest-only mortgages and compare the best rates and deals on the market. At the end of the Several factors influence the interest-only rates available to you, and these vary depending on the purpose of your mortgage. Interest-only mortgages were once a popular and affordable way to get on the property ladder while keeping monthly repayments low. Find out more today. A retirement interest-only mortgage (RIO) is a financial product designed for individuals aged 50 and older. If you only want to pay the interest on a mortgage each month, an interest-only mortgage could be an option. Interest Only mortgages With an Interest Only mortgage, your client only pays the interest on their mortgage balance every month. However, the trade-off is that you need a credible plan to repay the capital at the Interest-only mortgages are an alternative and could be worth considering for those who have long-term plans in place, but just what is an Interest-only offset mortgages have two key features; they are interest only and also the mortgage is linked to a cash savings account. Explore interest-only mortgages in the UK with indicative rates and LTVs. 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