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We only include two products in our offsetting arrangement - a mortgage and a savings account. What mortgage offers some tips for first- time buyers. Must be repaid in full over the term of the main mortgage. Product brochure explaining and giving the key features of our lifetime mortgage. And who wants to pay off a landlords mortgage when you can pay your own,  says adams. Bank mortgage rates. According to the nationwide bs, 100, 000 british borrowers will hand over a staggering £200 million in 2006 to mortgage lenders in higher lending charges, which comes to around £2, 000 apiece.