mortgages uk compare options essential guide

Understanding Mortgage Basics in the UK

The UK mortgage market offers diverse options tailored to borrowers’ needs, from fixed-rate stability to flexible offset mortgages. Lenders assess eligibility based on creditworthiness, income, and debt-to-income ratios, while additional costs like stamp duty and arrangement fees can significantly impact total expenditure. Below, the core components, mortgage types, eligibility criteria, and cost considerations are outlined for informed decision-making.

Core Components of a UK Mortgage

Loan-to-Value (LTV) Ratio
The LTV ratio compares the mortgage amount to the property’s value, expressed as a percentage. For example, a £200,000 mortgage on a £250,000 property yields an 80% LTV. Lower LTVs (e.g., <75%) typically secure better interest rates, while higher ratios (e.g., >90%) may require mortgage indemnity guarantees (MIGs) or higher fees to mitigate lender risk.

Interest Rates and Repayment Types
Interest rates fluctuate based on market conditions and lender policies. Fixed-rate mortgages offer stability with set rates for 2–5 years, while variable rates (e.g., tracker or discount rates) adjust with the Bank of England base rate or lender-specific margins. Below is a comparison of common rate structures:

Common UK Mortgage Types and Borrower Suitability

1. Repayment Mortgages
Repayment mortgages are the standard option, where monthly payments reduce both the loan and interest over time. They are suitable for:

2. Interest-Only Mortgages
These require only interest payments during the term, with the principal repaid via investments, pensions, or other assets. Suitable for:

Note: Interest-only mortgages are subject to stricter affordability assessments under the Financial Conduct Authority (FCA) rules, requiring lenders to verify repayment plans at application and annually.

4. Flexible Mortgages
These allow overpayments, underpayments, or payment holidays without penalties. Suitable for:

5. Buy-to-Let Mortgages
Designed for property investors, these mortgages cover rental properties with higher LTV limits (typically up to 75–85%) and interest rates. Suitable for:

6. First-Time Buyer Schemes
Government-backed schemes reduce deposit requirements or offer shared ownership. Examples include:

Mortgage Eligibility Assessment in the UK

Step-by-Step Eligibility Criteria
1. Income and Employment Verification
Lenders assess:

2. Credit Score and History
Credit scores (ranging from 300–850) are provided by agencies like Experian or Equifax. Key factors include:

Minimum Credit Score Thresholds:

Good (720+): Access to competitive rates and high LTVs.

Fair (600–719):

Comparing UK Mortgage Providers and Offers

Selecting the right mortgage provider in the UK requires a structured comparison of interest rates, product features, and customer satisfaction, alongside an understanding of how market trends influence affordability. Lenders vary significantly in their eligibility criteria, flexibility, and incentives, making direct comparisons essential to secure the most competitive deal. This section evaluates major high-street and niche lenders, outlines methods for identifying cost-effective options, and provides tools to assess mortgage terms based on individual borrower profiles.

Comparison of Five Major UK Mortgage Providers

The following table compares key features of five prominent UK mortgage lenders—Nationwide, Halifax, Barclays, Santander, and Virgin Money—based on current standard variable rates (SVR), fixed-rate deals, product flexibility, and customer feedback. Data is sourced from lender websites (as of mid-2024) and aggregated reviews from Trustpilot and Which?.

Provider	Current 2-Year Fixed Rate (%)	5-Year Fixed Rate (%)	Standard Variable Rate (SVR) (%)	Key Features	Customer Satisfaction (Trustpilot)	First-Time Buyer Incentives
Nationwide	4.99%	5.29%	5.49%	Flexible mortgage offset accounts (e.g., FlexAccount) No arrangement fee on selected deals Porting options for existing customers Specialist self-employed mortgages	4.1/5 (Excellent)	First-time buyer cashback up to £1,500
Halifax (Bank of Scotland)	5.14%	5.39%	5.74%	Flexible repayment holidays (up to 12 months) Joint borrower sole proprietor (JBSP) options Free valuation on remortgaging Integration with current account benefits	3.9/5 (Good)	First-time buyer discount of 0.10% on fixed rates
Barclays	5.09%	5.49%	5.69%	Cashback rewards (up to £1,000) on selected deals Overpayments allowed up to 10% annually Expat mortgage options with foreign currency lending Digital-first application process	3.7/5 (Average)	First-time buyer cashback up to £1,000
Santander	5.29%	5.59%	5.89%	Free legal fees for remortgages up to £500,000 Flexible term extensions (up to 40 years) Specialist bad credit mortgages (via broker partnerships) Global mortgage for non-UK residents	3.8/5 (Good)	First-time buyer fee waivers on select deals
Virgin Money	5.39%	5.69%	5.99%	No early repayment penalties on fixed-rate deals Flexible overpayment limits (up to 20% annually) Specialist self-employed and freelancer mortgages 24/7 customer support	4.0/5 (Good)	First-time buyer cashback up to £1,500

Note: Interest rates fluctuate based on the Bank of England’s base rate and individual borrower risk profiles. Always verify current rates via the lender’s website or a mortgage broker.

Identifying Competitive Mortgage Deals Based on Market Trends

Market conditions significantly impact mortgage affordability, with periods of low interest rates or government incentives (e.g., Stamp Duty Land Tax cuts or Mortgage Guarantee Scheme) creating opportunities for borrowers. The following strategies help pinpoint competitive deals:

1. Monitoring the Bank of England Base Rate
Lower base rates typically lead to reduced mortgage interest rates. Borrowers should track announcements and act swiftly when rates drop, as lenders may adjust pricing within weeks.

2. Leveraging First-Time Buyer Incentives
Schemes such as the Government’s Mortgage Guarantee Scheme (5% deposit mortgages) or lender-specific cashback (e.g., Nationwide’s £1,500 offer) can reduce upfront costs. First-time buyers should prioritize lenders offering these benefits.

3. Timing Remortgaging for Fixed-Rate Expiry
Borrowers on expiring fixed rates should compare deals 3–6 months before renewal to secure better terms. Tools like MoneySavingExpert’s Mortgage Remortgaging Calculator estimate savings from switching.

4. Exploiting Low-Deposit Schemes
Niche lenders (e.g., Kensington, Precise, or Pepper Money) offer mortgages for deposits as low as 5%, though these often come with higher interest rates. Borrowers should weigh long-term costs against immediate affordability.

5. Seasonal Trends in Lender Promotions
Mortgage deals frequently launch in January–March and September–November, aligning with lender budget cycles. Using Compare the Market’s “Deal Tracker” helps identify new promotions.

Key Indicator:

The Bank of England’s base rate directly influences mortgage pricing. A 0.5% reduction in the base rate can lower a £200,000 mortgage repayment by £50–£70 per month over 2 years.

Template for Evaluating Mortgage Terms and Conditions

Mortgage terms often include hidden clauses that affect long-term costs. The following checklist ensures borrowers assess critical conditions before committing:

1. Early Repayment Penalties

Fixed-Rate Mortgages: Typically charge 1–3% of the outstanding balance if repaid early (common in the first 1–3 years).

Discounted Variable Rates: May include penalties if the lender’s SVR drops below the agreed discount rate.

Tracker Mortgages: Usually penalty-free, as rates adjust dynamically.

2. Porting Options

Definition: Transferring an existing mortgage deal to a new property without losing the current rate.

Eligibility: Most lenders allow porting if the new property’s value is within ±10% of the original and the borrower’s income remains stable.

Fees: Some lenders charge £500–£1,500 for porting.

3. Flexibility Clauses

Overpayment Limits: Standard allowances range from 10% annually (Barclays) to unlimited (Virgin Money).

Repayment Holidays: Some lenders (e.g., Halifax) offer 6–12 months without penalties.

Underpayment Options: Rare, but some specialist lenders (e.g., The Mortgage Works) permit reduced payments during financial hardship.

4. Exit Fees

Key Factors Influencing Mortgage Rates in the UK

UK mortgage rates are shaped by a complex interplay of monetary policy, market conditions, and borrower-specific factors. The Bank of England (BoE) plays a central role through its base rate adjustments, which directly impact lending costs for both fixed and variable-rate mortgages. External economic pressures—such as inflation, geopolitical events, and government fiscal policies—further amplify volatility. Understanding these dynamics allows borrowers to anticipate rate fluctuations, compare mortgage products strategically, and optimise long-term affordability.

Bank of England Base Rate and Its Direct Impact on Mortgage Rates

The Bank of England base rate serves as the benchmark for most UK mortgage products, particularly variable-rate loans. When the BoE raises or lowers this rate, mortgage lenders typically adjust their borrowing costs in tandem, though margins and product types (e.g., tracker vs. discount mortgages) introduce variations. Historical data reveals a clear correlation between base rate changes and mortgage rate trends, with lags of 3–6 months due to lender pricing cycles.

Historical Comparison of Base Rate Changes and Mortgage Rate Impacts (2016–2024)

Date of BoE Rate Change	Base Rate (%)	Mortgage Rate Impact (Avg. 2-Year Fixed)	Market Context
March 2016	0.25%	+0.10% to +0.25% (e.g., 2.5% → 2.75%)	Post-Brexit referendum uncertainty; lenders tightened criteria.
November 2017	0.50%	+0.20% to +0.30% (e.g., 2.2% → 2.5%)	Inflation rising; BoE signalled gradual hikes.
August 2018	0.75%	+0.35% to +0.50% (e.g., 1.8% → 2.3%)	Strong wage growth; BoE warned of "limited spare capacity."
March 2020	0.10%	-0.50% to -0.70% (e.g., 2.1% → 1.4%)	COVID-19 pandemic; emergency rate cut to 0.1%.
December 2021	0.25%	+0.40% to +0.60% (e.g., 1.5% → 2.1%)	Post-pandemic recovery; inflation hit 5.4%.
August 2023	5.25%	+1.50% to +2.00% (e.g., 3.0% → 5.0%)	Highest rate since 2008; BoE combated 11% inflation.

Note: Data sourced from Bank of England, Moneyfacts, and UK Financial Conduct Authority (FCA) reports. Average rates reflect standard borrower profiles (e.g., 75% LTV, no adverse credit).

Fixed-Rate, Tracker, and Discount Mortgages: Comparative Analysis

Mortgage products differ in how they respond to base rate movements, offering distinct advantages depending on market expectations and borrower risk tolerance. Below is a structured comparison of the three primary types:

Fixed-Rate Mortgages
Rate remains constant for an agreed term (e.g., 2, 5, or 10 years).

Pros: Predictable monthly payments; ideal for budgeting during volatile periods.

Cons: Early repayment penalties (typically 1–5% of remaining balance); higher initial rates if base rates fall post-fixation.

Best for: Borrowers prioritising stability or planning to sell/move within the fixed term.

Tracker Mortgages
Rate follows the BoE base rate with a set percentage margin (e.g., base rate + 1.5%).

Pros: Transparent pricing; rates drop automatically if the base rate falls.

Cons: Payments rise sharply during rate hikes; no upper limit on increases.

Best for: Borrowers confident base rates will decline or stay stable.

Discount Mortgages
Initial rate discount (e.g., 2% off the lender’s standard variable rate) for a set period (e.g., 2 years).

Pros: Lower introductory rates; flexible switch to other products post-discount.

Cons: Discount expires, reverting to higher standard variable rates; vulnerable to BoE hikes.

Best for: Short-term borrowers or those planning to remortgage before the discount ends.

Calculating Total Mortgage Costs: 25-Year vs. 30-Year Terms

Extending a mortgage term reduces monthly payments but increases total interest paid. The step-by-step procedure below illustrates how to compute the financial implications using a £250,000 loan at a 5% fixed rate (hypothetical for comparison):

1. Determine Monthly Payments
Use the mortgage payment formula:

\( M = P \times \frac{r(1 + r)^n}{(1 + r)^n - 1} \)
Where:
\( M \) = Monthly payment
\( P \) = Loan principal (£250,000)
\( r \) = Monthly interest rate (5% annual ÷ 12 = 0.004167)
\( n \) = Total number of payments (25×12 = 300 or 30×12 = 360)

25-Year Term: \( M ≈ £1,342.05 \)

30-Year Term: \( M ≈ £1,266.71 \)

2. Calculate Total Interest Paid
Subtract the principal from the total payments over the term:

25-Year: \( (£1,342.05 × 300) - £250,000 = £192,615 \)

30-Year: \( (£1,266.71 × 360) - £250,000 = £236,015.60 \)

3. Compute Interest Savings
Difference in total interest between the two terms:
\( £236,015.60 - £192,615 = £43,400.60 \)
This represents a 22.5% reduction in interest costs by choosing a 25-year term.

Key Considerations:

Affordability Trade-off: Lower monthly payments (30-year term) may free up cash flow but extend debt repayment.

Equity Growth: Shorter terms build equity faster, beneficial for remortgaging or downsizing.

Early Repayments: Overpayments on a 30-year term can offset interest costs (e.g., £500/month extra reduces term by ~5 years).

Credit Score Tiers and Their Impact on Mortgage Rates

Lenders use credit reference agencies (Experian, Equifax, TransUnion) to assess borrower risk, directly influencing mortgage eligibility and rates. The table below categorises credit score ranges (Experian’s 999-point scale) and their typical rate penalties compared to prime borrowers (scores ≥ 881):

Credit Score Range (Experian First-Time Buyer vs. Remortgaging Options in the UK The UK mortgage market offers distinct pathways for first-time buyers and existing homeowners seeking to remortgage, each with tailored schemes, eligibility criteria, and financial considerations. First-time buyers benefit from government-backed initiatives designed to reduce deposit burdens and improve affordability, while remortgaging provides opportunities to refinance existing mortgages for better terms or consolidate debt. Understanding the differences in schemes, application processes, and financial strategies is critical for making informed decisions. Key Consideration: First-time buyer schemes prioritise accessibility, whereas remortgaging focuses on optimising existing mortgage terms or leveraging equity. Comparison of First-Time Buyer Schemes in the UK First-time buyers in the UK can access several government-backed and private-sector schemes to facilitate homeownership. Below is a structured comparison of the most prominent options, including eligibility, deposit requirements, and government contributions. Scheme Eligibility Minimum Deposit Government Contribution Key Features Shared Ownership First-time buyers or existing shared owners. Household income typically below £80,000 (£90,000 in London). Must not own another property. 5% (minimum) Government grants (e.g., £1,000–£25,000 in some regions) for eligible buyers. Shared equity (e.g., 25–75% ownership via housing association). Allows partial ownership with option to "staircase" to full ownership. Rent paid on the remaining percentage. Available for new-build and resale properties. Help to Buy: Equity Loan (Closed to new applications as of March 2023) First-time buyers or existing homeowners. Property value up to £600,000. Must complete purchase by June 2023 (for equity loan). 5% Government equity loan of up to 20% (15% outside London). Loan interest-free for 5 years, then 1.75% + RPI annually. Loan repayable after 25% of property value is repaid or sold. Open to new-build properties only. Lifetime ISA (LISA) UK residents aged 18–39 (can continue saving until 50). First-time buyers only (or to buy first home). No income restrictions. Minimum £4,000 (for first home purchase) 25% government bonus (up to £1,000 per year, max £32,000 bonus). Flexible savings plan with 20% government match. Bonus can be used towards deposit (up to £450,000 property value). Withdrawals for non-first-home purposes incur penalties. Mortgage Guarantee Scheme (Government-Backed) First-time buyers or home movers. Property value up to £600,000. Available until December 2025. 5% Lenders offer mortgages with lower deposit requirements (5%) without higher interest rates. Government guarantees 95% of the mortgage value to reduce lender risk. Open to both new-build and existing properties. Note: Eligibility and terms for Shared Ownership and Help to Buy vary by region and property type. Always verify with the relevant scheme provider or a mortgage advisor. Effective Remortgaging Strategies in the UK Remortgaging involves replacing an existing mortgage with a new deal, often to secure a lower interest rate, shorten the repayment term, or release equity. The process requires careful planning to avoid penalties and maximise financial benefits. To remortgage effectively, follow these structured steps: 1. Assess Current Mortgage Terms Determine the remaining term, early repayment charges (ERCs), and current interest rate. Most fixed-rate mortgages include ERCs for early exits, typically reducing after 1–3 years. 2. Calculate Potential Savings Use a mortgage calculator to compare: Current monthly payments vs. new mortgage rates. Total interest paid over the remaining term. Any exit fees or legal costs for switching. 3. Check Eligibility for New Deals Lenders assess affordability based on: Income, credit score, and loan-to-value (LTV) ratio. Existing mortgage history (e.g., missed payments). Property value (may require a new valuation). 4. Choose the Right Time to Switch Fixed-rate mortgages: Remortgage near the end of the fixed term (e.g., 2–3 months before expiry) to avoid ERCs. Tracker or standard variable rates (SVR): Switch if rates drop significantly or if the lender’s SVR becomes uncompetitive. Product transfer: Some lenders allow switching to their own deals without remortgaging, often with lower fees. 5. Avoid Common Remortgaging Pitfalls Ignoring Fees: Legal fees, valuation costs, and arrangement fees can offset savings. Aim for deals with free remortgaging or waived fees. Overstretching Affordability: New deals may offer lower rates but longer terms, increasing total interest paid. Assuming Equity Release is Free: Using equity to consolidate debt may reduce monthly payments but extends the mortgage term and increases interest costs. 6. Complete the Application Submit documents (see checklist below) to the new lender. Compare completion times—some lenders offer faster processing for remortgages than first-time buyer mortgages. Key Formula for Remortgaging Decision: Savings = [(Old Rate – New Rate) × Remaining Loan Balance] – Fees Example: A £200,000 mortgage with 3 years left at 4% vs. a new 2% rate (saving 2%) yields £4,000 annual savings. Subtract £2,000 in fees for a net £2,000 annual gain. Common Mistakes by First-Time Buyers and Solutions First-time buyers often overlook critical factors when comparing mortgages, leading to higher costs or rejected applications. Below are frequent errors and their solutions: 1. Overlooking the Full Cost of Ownership Mistake: Focusing solely on monthly payments without accounting for: Stamp Duty (£0 for properties under £250,000 for first-time buyers in England/NI; £300,000 in Wales; £175,000 in Scotland). Maintenance costs (e.g., boiler, roof repairs). Buildings insurance (often 0.2–0.5% of property Tools and Resources for UK Mortgage Comparison Effectively comparing mortgage options in the UK requires leveraging a combination of government-backed tools, independent financial resources, and structured analytical frameworks. These resources ensure transparency, reduce bias, and enable borrowers to make informed decisions aligned with their financial circumstances. Below are structured methodologies for utilizing official calculators, comparison spreadsheets, and broker services, alongside a workflow for navigating online platforms. Government-Backed and Independent Resources for Mortgage Comparison The UK government and financial regulatory bodies provide tools to assist borrowers in evaluating mortgage affordability and comparing deals objectively. These resources are designed to be neutral, avoiding conflicts of interest that may arise from lender-specific promotions. Money Advice Service (MAS) The Money Advice Service, now integrated into MoneyHelper, offers a Mortgage Affordability Calculator that assesses borrowing capacity based on income, outgoings, and existing debts. The tool adheres to the Financial Conduct Authority (FCA) guidelines, ensuring compliance with responsible lending practices. Borrowers input their financial details, and the calculator provides an estimated maximum mortgage amount, along with recommendations for sustainable repayment levels. Which? Mortgage Adviser Which? publishes an annual Mortgage Adviser report, ranking lenders based on customer satisfaction, transparency, and value for money. Their Mortgage Comparison Tool allows users to filter deals by loan-to-value (LTV) ratios, fixed-rate terms, and fee structures. The platform also includes expert reviews of lenders, highlighting strengths such as competitive rates or flexibility for self-employed applicants. Open Banking and Mortgage Market Reforms The Confidence in Contracts initiative, supported by the FCA, mandates lenders to provide personalized rate quotes based on an applicant’s financial profile. Borrowers can now request agreed-in-principle (AIP) offers from multiple lenders simultaneously, reducing the risk of declined applications due to credit checks. This reform enhances comparability by ensuring consistency in initial assessments. Personalized Mortgage Comparison Spreadsheet Template Creating a structured spreadsheet allows borrowers to systematically compare mortgage offers beyond headline rates. Below is a template with essential columns, along with guidance on interpreting key metrics. Lender Mortgage Type Initial Rate (%) Fixed/Variable Term (Months/Years) Arrangement Fee (£) Valuation Fee (£) Monthly Payment (£) Total Interest Paid (£) Early Repayment Penalty (%) Lender Criteria Notes Lender A 2-Year Fixed 4.50 24 1,999 250 850 120,000 3 Minimum 25% deposit, credit score >720 Lender B 5-Year Fixed 4.25 60 0 300 780 115,000 2 Accepts 10% deposit for first-time buyers Key Columns Explained: Initial Rate (%): The starting interest rate, which may revert to the lender’s Standard Variable Rate (SVR) after the fixed term. Arrangement Fee: One-off costs for setting up the mortgage; some lenders offer fee-free deals with slightly higher rates. Monthly Payment (£): Calculated as (loan amount × rate/12) + (fees/term in months). Use a mortgage repayment calculator to verify. Total Interest Paid (£): Sum of interest over the mortgage term, excluding fees. Lower values indicate better long-term value. Early Repayment Penalty (%): Fees for overpaying or exiting early; typically higher in the first 1–3 years of fixed deals. Example Calculation for Total Cost: For a £250,000 mortgage over 25 years at 4.5% with a £1,999 fee: Monthly Interest: (£250,000 × 4.5%) / 12 = £937.50 Total Interest: £937.50 × 300 months = £281,250 Total Cost: £281,250 + £1,999 (fee) = £283,249 Interpreting Mortgage Affordability Calculators Affordability calculators use algorithms to determine the maximum mortgage a borrower can afford based on income, outgoings, and debt levels. The FCA’s Mortgage Market Review (MMR) requires lenders to assess affordability over 3–5 years, not just monthly income. Input Variables: Annual Income: Gross salary, bonuses, or self-employed profits (averaged over 2–3 years). Monthly Outgoings: Rent/mortgage, utilities, childcare, loan repayments, and credit card debt. Deposit Amount: Higher deposits reduce LTV, improving access to lower rates. Credit Score: Lenders use scores (e.g., Experian, Equifax) to gauge risk; scores below 600 may limit options. Output Explanations: Maximum Borrowing Capacity: Typically 4–4.5 times annual income for standard mortgages, though some lenders allow up to 5–6 times for high earners. Stress-Tested Affordability: Calculators simulate rate rises (e.g., +3%) to ensure repayments remain manageable. Recommended Loan Term: Shorter terms (e.g., 15–20 years) reduce interest but increase monthly payments. Example Scenario: Income: £60,000/year Outgoings: £1,500/month Deposit: £75,000 (30% of £250,000 property) Output: Maximum mortgage of £225,000 (4.5× income), with repayments of £1,100/month at 4.5%. Stress-testing at 7.5% raises repayments to £1,600/month, confirming affordability. Role of Mortgage Brokers in the UK Mortgage brokers act as intermediaries between borrowers and lenders, offering access to exclusive deals, niche products, and tailored advice. Their services are particularly valuable for complex cases, such as self-employed applicants or those with adverse credit. Mortgage brokers in the UK are regulated by the Financial Conduct Authority (FCA) and must adhere to strict Treating Customers Fairly (TCF) principles. They earn commissions from lenders (typically 0.3–1% of the loan value) or charge upfront fees (£500–£1,500), depending on the broker’s model. How Brokers Access Exclusive Deals: Whole-of-Market Access: Brokers have partnerships with 100+ lenders, including high-street banks and specialist mortgage providers (e.g., Kensington, Precise). Niche Lending: They identify lenders that cater to specific needs, such as: Bad Credit Mortgages: Lenders like Peoples Building Society or Nationwide offer deals for applicants with CCJ or IVA histories. Self-Employed Mortgages: Lloyds or Barclays provide income-based assessments using accounting records rather than PAYE slips. High LTV Deals: Some lenders offer 90–95% LTV for first-time buyers with strong credit profiles. Fee Structures: Lender-Paid Commission: The borrower pays no upfront fee, but the broker’s earnings may influence deal recommendations. Fee-Based Brokers: Charge a flat fee or Selecting the right mortgage in the UK demands more than comparing interest rates—it requires a holistic assessment of fees, flexibility, and alignment with personal financial circumstances. From understanding how the Bank of England’s base rate influences borrowing costs to identifying niche lenders for unique borrower profiles, the process involves balancing immediate savings with long-term stability. By utilizing comparison tools, affordability calculators, and expert resources, borrowers can navigate the market with confidence, avoiding common pitfalls such as underestimating stamp duty or overlooking porting options. Ultimately, an informed approach ensures that the chosen mortgage not only meets current needs but also adapts to future financial goals.

• financial planning uk
• first time buyer schemes
• mortgage comparison uk
• remortgaging guide
• uk mortgage rates

Leave a Comment

Name

Comment

Post Comment

Comments are moderated before appearing. The data you submit is processed according to the Privacy Policy of viralcontentbee.com.