Harpdenden Building Society offers two-year and three-year discount mortgages, although these can only be accessed through brokers and intermediaries. You can choose a variant of these mortgages without an early repayment charge, although this will come with a higher rate.

These mortgages are offered in repayment, interest-only or “part and part” formats. The lender is happy to consider self-employed applicants, contractors or those buying unusually structured properties. It will consider your eligibility for its products on a case-by-case basis, without conducting a traditional credit check.