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Warning: your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Cheap mortgage deals 'could cost banks £3bn. Flexible mortgage – a flexible mortgage offers the facility to underpay or overpay or even take payment holidays. Capped- rate mortgage – a variation on the theme of the fixed rate above, is a capped rate. Quick search of over 8, 500 mortgages.

However, there is one disadvantage to tracker mortgages. We are up to 75% cheaper. Cheap mortgages could offset new tax.

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