Interest Only Mortgage Rates Uk, Your mortgage repayments are determined by the amount borrowed, term and interest rate.

Interest Only Mortgage Rates Uk, Therefore if the loan is based on the sale of Use the calculator to get an idea of your personalised mortgage interest rate. Find out more about our Interest Only Find the best interest-only mortgage deal from 1000s of lenders and get the best rates for you. For example, in Important information Rates correct as at 24 April 2026 and may be withdrawn at any time. Compare A fixed rate mortgage fixes your monthly mortgage repayments for the length of the deal. Find out what interest rate, effective rate, APY or APR you're receiving on your credit card, loan, mortgage, savings or investment using this interest rate Calculate RIO mortgage monthly payments for over 55s. uk, we’re committed to helping you find fantastic deals on interest only mortgages as well as other products such as student mortgages. In a nutshell Current mortgage rates are changing constantly, check below for the latest mortgage rates (updated daily). With an Interest-only mortgage your monthly payments will be lower as you only pay the interest charged on the amount you’ve borrowed. GET INTEREST ONLY MORTGAGE QUOTES AND START COMPARING RATES NOW! Use our free mortgage service to compare rates from the UK's leading lenders. The new product from Gen H, which is being launched in three stages, is Interest Only mortgages With an Interest Only mortgage, your client only pays the interest on their mortgage balance every month. This means the interest only balance doesn’t reduce In this article, we share the best fixed-rate, tracker, buy-to-let and first-time buyer mortgage rates available in the UK. Understand eligibility, lenders and repayment options. Are you looking for the best current mortgage rate but are unsure which rate to plunge for? Read on to discover the current mortgage rates in A new provision in the UK Lender Charter offers a 'financial shield' for homeowners: switching to interest-only payments for six months. A rate of 6% sounds manageable. 15 per cent in December from Nationwide Building Society is lowering its mortgage rates , along with several other high street banks and building societies. If your Clydesdale mortgage deal has ended or ends soon, see if a new deal could save you money. Compare rates and apply online or get in touch if you’d like help from our mortgage experts. Interest Only Mortgage Calculator - Compare Interest Only Loan Rates - Calculate Fixed & Variable Deals - FREE Mortgage Calculator - Part & Part Deals Up To 85% LTV - Latest UK Lender Options By switching to a better deal with a different mortgage provider, an interest only mortgage could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments. Here’s a real-time look at mortgage rates, updated daily, to Use our online mortgage rate finder to compare mortgage rates and see available interest rates from across our range of mortgages. Compare the mortgage types that could be an option for your situation and learn more about their differences with this helpful mortgage comparison guide. Apply today. Find out what your mortgage interest rate and monthly repayments could be. Check out our easy-to-understand guide to help you decide if an interest-only deal is right for you. Lending Expert is an interest-only mortgage broker and can compare over 1,000 mortgage deals across the UK. You can borrow: a minimum of £10,000 a maximum of £500,000 up to 50% Our Retirement Interest Only Mortgage is a loan secured against the value of your home where you have to pay the interest each month. Find out more about if Interest-only Mortgages are for you today. Compare fixed rate mortgages online and find the right Looking for the best interest rates on an offset mortgage? Compare today's cheapest deals & find out exactly how to unlock them in our expert summary. Interest-only mortgages allow homeowners to pay the interest on the loan only, making the repayments cheaper. If your mortgage interest rate is changing, use our interest rate calculator to find out what your new payments might be. Learn how rates are set, what affects your rate, and how to find the best interest only mortgage deals. Find out more! Interest-only In contrast to repayment mortgages, the monthly payments for an interest-only mortgage solely cover the interest charged. 86%. Interest-only mortgage rates in the UK can be fixed or variable, and they usually differ between lenders so it’s always recommended to shop around to find the Best Interest Only Mortgages Compare Best Interest Only Mortgages Special features of what we offer include: Whole of market service - we work with most Learn how interest-only mortgages work, their pros and cons, and who they suit. At the end of the Buy to Let Interest Only Mortgages Our Buy to Let Interest Only Mortgage Service Why choose us? Fair Mortgages can provide you with a first class service if you are looking for buy to let mortgage advice. Interest Only Mortgages - call 0117 403 4474 and compare UK Mortgage Rate Offers - Use our Interest Only Mortgage Calculator - Interest Only Mortgage Deals Use the mortgage rate calculator to find the right deal for you. Interest only mortgage payment calculator Overall and long term cost mortgage calculator Capital & interest monthly payment mortgage calculator Use the calculator below to compare monthly Compare current interest only mortgage rates in the UK. Trusted by millions — check rates and Discover the best Retirement Interest Only Mortgage Rates. This calculator assumes that interest rates don't change A buy-to-let mortgage is for people who buy a property as an investment. Retirement Interest Only mortgage rates These rates apply to existing members borrowing more and switching to a new deal. An interest-only mortgage is a deal where you only pay the Compare today's best mortgage rates and deals for UK first-time buyers, home movers, and remortgagers. Find out what your mortgage interest rate could be. Our guide can help you decide whether a fixed-rate mortgage is right Use our mortgage rates tool to compare mortgage rates and understand what mortgage deal could be the best for you. Interest-only with no fixed end date, repaid on sale or death. Interest Only Mortgages When you have an interest only mortgage, your monthly payments only pay the interest charged on the amount you borrowed. Borrowers often move their Looking for the best interest-only mortgage rates that are available today? Find out all the cheapest deals (and how to unlock even lower rates) here. An interest-only remortgage is a new interest-only mortgage you switch to after your previous interest-only mortgage deal ends. > Best mortgage rates calculator: Check the deals you could apply for Learn all about interest-only mortgages, including whether you could get one and how to find the best interest-only mortgage deal for you. The best mortgage rates on the market right now Telegraph Money reveals the best deals available, whether you’re a first-time buyer or remortgaging 2026 Barclays retirement interest-only mortgage. Compare our best rates to find a mortgage deal with lower monthly payments. You should also factor in the type of deal you want, such as Nationwide mortgage rates To get the best Nationwide mortgage interest rates you'll need a large deposit and strong credit history, although this The Warsh Fed Vs. Loan to value of 65%. 99% and then on our variable Managed Mortgage Rate, currently 7. Discover how your repayments Overview of the best mortgages in 2026 available in the UK. Repayment vehicle required. What’s the best buy-to-let mortgage? Find out what to look for if you’re buying a property to rent out to tenants. Plan your repayment strategy. Try different scenarios with our mortgage A mortgage annual percentage rate (APR) includes the yearly cost of borrowing money, expressed as a percentage, and is based on the loan A fixed rate; where the interest rate remains constant for a set period; typically for 2, 3, 4, 5 or 10 years. Mortgage costs are calculated on a repayment basis excluding any product fee and are intended for illustrative Learn how deferred interest works in loans, mortgages, and credit cards. A swathe of the UK’s biggest high street banks have cut mortgage rates in recent weeks, although they still remain elevated compared to early Compare the difference in monthly payment and total costs of two different mortgage products. However, our mortgage rate comparison tool offers you the option to toggle your choices to show interest-only mortgage deals - enter your search criteria and select this option to see deals from over 90 lenders. Find out more here about the interest rates for our Standard Mortgage Rate (SMR) and our Base Mortgage Rate (BMR). Get informed today! Taking out an interest-only mortgage is one way of keeping monthly repayments low. Only certain deals will fit your mortgage amount and your loan to value band. Bankrate has a better one. Interest-only mortgages are popular with landlords Mortgage Rate History UK Average historical mortgage rate UK When were mortgage rates at their highest? In the last 25 years, the average mortgage Use our free mortgage service to compare rates from the UK's leading lenders. GET Interest Only MORTGAGE QUOTES AND START COMPARING RATES NOW! Use our free mortgage service to compare rates from the UK's leading lenders. Read through our expert advice and find the best mortgage rates today. Interest rates on equity release vary between providers. 89%* Compare Interest Only mortgage rates against the mortgage Compare the best mortgage rates and deals Check today's live mortgage rates from our range of lenders. Discover repayment options, risks, and expert tips to decide if an interest-only mortgage is right for you. Provides graphed results Interest Only Mortgage Calculator Our Mortgage Service Based in Bristol and Edinburgh we can offer you a first class mortgage service: Special features of what we offer include: Whole of market service About your mortgage Type of mortgage Repayment Interest only Mortgage amount £ Length of mortgage If you’re working out payments for your existing mortgage, enter your remaining term. Britain's biggest mutual already offered interest-only deals to some customers, but has now With a fixed-rate mortgage, you know how much you’ll pay each month. For all you need to know about first-time buyer mortgages, what help is available, and how to search for the best deals, browse MoneySuperMarket. Read this MoneySuperMarket handy guide to find out how an interest-only mortgage works and how your payments affect how much you owe. Interest only mortgages – With this type of loan you pay only interest payments Whether you're a first time buyer or looking to remortgage, we offer a range of mortgage rates designed to suit everyone. We can show you the benefits of Mortgage Rates Today UK mortgage interest rates can change quickly at the moment, depending on the current cost of swap rates, Bank of England (BoE) Looking for the best five-year fixed rate mortgage in the UK? These mortgages can provide borrowers with more certainty and stability as the Retirement Mortgages Giving you more choice for later life clients At Leeds Building Society, we have a range of mortgages available for those approaching or in retirement. Learn why early mortgage payments are mostly interest, how amortization affects this, and strategies to reduce interest costs over your loan Compare, filter and sort the latest & best mortgage interest rates from 90+ lenders at a glance, including any L&C exclusive deals. We have access to mortgage Use our mortgage rates tool to compare mortgage deals and calculate your best monthly repayments. Compare Interest Only lifetime mortgages mortgage rates from the best lenders and providers. Looking to fix your mortgage repayments for the shortest term possible? Discover the Best 2 Year Fixed Rate Mortgages from the UK's top providers. You’ll need to pay back what Like residential mortgages, buy-to-let loans can be repayment (capital plus interest) or interest-only. This makes the monthly costs of a Retirement Interest-Only mortgage lower than those on a standard mortgage. Calculate monthly payments and compare with repayment mortgages. Switch to interest only to lower your monthly costs If rising interest rates are leaving you worried about how you'll afford mortgage costs, consider an interest-only mortgage. The best retirement interest-only mortgage rates in 2026 depend on market conditions, the borrower's financial situation, your loan-to-value ratio, your credit score, and competitive offers How increases in housing costs impact households Mortgage interest rates started to increase during 2022, this is likely to make borrowing more expensive for those with fixed rates deals Are you looking for the best current mortgage rate but are unsure which rate to plunge for? Read on to discover the current mortgage rates in . This type of mortgage links your savings account to your mortgage, and the lender only charges you interest on the difference. We have access to mortgage rates from as little as 3. Find great deals with Tiger. For example, if one has a home loan of $600,000 at 5% per year and an offset Find a buy to let mortgage Our mortgage finder does the hard work for you, showing only the rates that match your needs. Read our guide to learn about the eligibility criteria, costs and leading providers in the UK. Interest only mortgages Find out more about repaying your interest only mortgage. On an interest-only mortgage of £125,000, with a 3% interest rate, over a term of 25 years, your monthly payments would be £313. This same document is being used Get the best retirement interest-only mortgage deals with L&C, the UK's largest fee free mortgage broker & adviser. Calculator Rates Microsoft Excel Mortgage Calculator with Amortization Schedule Want to Calculate Mortgage Payments Offline? We have offered a Forbes Advisor has the latest mortgage interest rates to help you make informed decisions. Your monthly payments don’t reduce the amount Use our free mortgage service to compare rates from the UK's leading lenders. View the requirements for taking out an interest only mortgage today. Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. Compare interest-only mortgages from 89 leading UK lenders [2] Find an interest-only deal that fits your plans - whether you’re a first-time buyer, remortgaging, or Looking to make overpayments? Use our mortgage overpayment calculator to find out whether you could repay your mortgage faster Several factors influence the interest-only rates available to you, and these vary depending on the purpose of your mortgage. 54% would require 63 monthly payments of First-time buyers can now secure interest-only mortgages with Nationwide Building Society. As the Iran war threatens the UK economy, what will happen to Most buy-to-let mortgages are interest-only, meaning your repayments will just cover the loan interest rather than the capital you’ve Buy to Let Mortgage Requirements Minimum Deposit Most lenders require a minimum deposit of 20-25% for buy to let mortgages, though many investors put down 25-40% to access better rates. Find out if Halifax is the best mortgage Using the 0% Green Additional Borrowing mortgage Features and benefits: Choose from a 2 or 5 year fixed rate mortgage. Explore our 15- and 30-year home mortgage rate options to find the one for you. Interest rolls up on lifetime GET INTEREST ONLY MORTGAGE QUOTES AND START COMPARING RATES NOW! Use our free mortgage service to compare rates from the UK's leading lenders. Understanding mortgages and interest rates There’s more to a mortgage than just the monthly repayments. This means, at the end Find out how making interest only payments will impact your mortgage, please enter your details into our calculator. A retirement interest-only mortgage (RIO) is a financial product designed for individuals aged 50 and older. Compare mortgage rate options with Lloyds to find a deal that suits your needs. Learn about the different types of mortgages, how Discover how the UK Mortgage Charter helps homeowners manage rising repayments with options like interest‑only, term extensions, and early rate With an Interest Only mortgage, your monthly payments only cover the interest charged on the amount borrowed. Here are the average annual percentage rates (APR) on 30- and 15-year fixed mortgage refinances and 5/1 ARM refinances: Today’s Mortgage Interest only mortgage guide UK 2026. Longer term fixed rates (over 5 years) whilst available, tend to be more expensive and/or have more Discover how offset mortgages work and how they can help you reduce interest and pay off your mortgage faster. The MPC sets interest rates to try to keep consumer price inflation at the Bank and Government's 2 per cent target. Access equity in your home - Retirement Interest An interest only mortgage is a mortgage where the borrower only pays the interest generated on the capital borrowed. But because most lifetime Free mortgage calculators, from repayment to estimated borrowing Mortgage calculator (repayment and interest only) Enter a few details and find The amount you borrow The interest rate The length of your mortgage term The higher the interest rate or the shorter the term, the higher your repayments will be. Our comparison These are our current fixed rate buy to let mortgages available today. Find out more today. Take a look here. Find out about our standard and buy to let variable rate today. Making interest only payments or extending your mortgage term will mean paying more interest overall. Updated in real-time. This means that your monthly payment is only the interest on the loan and you won’t repay the ‘capital’ Halifax is a popular choice for mortgages because it offers competitive rates and unique deals. Just enter your desired loan amount A way to get on the property ladder with cheaper monthly payments. Our interest only lifetime mortgage interest calculator tools provide our experts with the means to dive down into detailed reports. Compare buy-to-let mortgages today. This means Offset mortgages are helpful because the interest rates on mortgages are higher than the interest rates of a savings account. Understand potential costs and benefits to make informed financial Interest-Only Calculator: Work Out Your Interest Payments On this page you’ll find our free and easy-to-use interest-only calculator. Compare buy-to-let mortgages with MoneySuperMarket and find the RIO mortgages are for borrowers over the age of 55 who want to release equity from their home or extend their interest only mortgage. Our mortgage service compares Santander interest only mortgage rates with other leading UK lenders to help you get the best mortgage deal for your circumstances. Interest only mortgage overpayment calculator Use our calculator to see how overpaying on an interest only mortgage can save you money. 00 payable over 9 years initially on a fixed rate for 5 years at 5. While low interest rates are attractive, they are not the only consideration. Learn how mortgage interest rates work and see how much you could pay with Halifax. Tell us if you want to purchase, switch, borrow more or remortgage, then answer Offset mortgages can also come with slightly higher interest rates than ordinary repayment mortgages, which might undo some of the benefits of Trying to find today's best interest-only mortgage? Find out the cheapest rates and exactly what you need to do to unlock them in our expert Lifetime mortgages are the most popular form of equity release, but you can also use home reversion schemes. uk Here at Tiger. Get 0% fixed interest for the first 2 or 5 years. Interest Only Mortgage Calculator Looking to understand your interest-only mortgage payments? Our simple calculator makes it easy to work out your monthly costs. A mortgage of £100,000. Buy-to-let and retirement interest-only. Updated throughout the day, our comparison charts show the latest buy-to-let mortgage rates from leading lenders. He enjoys crunching the numbers to help consumers get ahead. Understand how the changes to the base rate may affect you. Find a suitable rate for your new mortgage from our whole of market comparison service for remortgages or first-time homeowner loans. If you’re considering a Santander Use our mortgage rates tool to compare mortgage deals and calculate your best monthly repayments. There'll only be certain deals which fit your mortgage amount and your loan to value band. Learn how they work, who’s eligible, and the best options for you. The percentage will be added to your monthly payments or Overview of the Virgin Money's loyalty and interest rates. Unlike standard Santander mortgage rates To get Santander's lowest mortgage interest rates and best deals you'll need a large deposit and strong credit Interest Only Mortgages - call 0117 403 4474 and compare UK Mortgage Rate Offers - Use our Interest Only Mortgage Calculator - Interest Only Mortgage Deals Current NatWest Retirement Interest Only Mortgage Rates In 2026, NatWest Retirement Interest-Only Mortgages had a fixed-for-life interest rate of 4. Our comparison It’s worth noting that an interest-only mortgage is capped at the value of the repayment vehicle if using property. VA loan rates are typically lower than those of conventional loans. Unlike other mortgages, where you have to repay both the capital and the interest Use our free, online Interest-Only Mortgage calculator to understand how much you might be able to borrow for a mortgage. Discover how this pivot can save you thousands What is an interest-only mortgage? It’s a mortgage where you only pay the interest on the amount you’ve borrowed each month, with interest charged on the full balance. 75%. The Bank of England base rate, which also affects interest rates on products including mortgages, currently stands at 3. Find out how they work and how to apply with RBS. See today’s VA home loan rates and learn how lenders determine your VA mortgage rate. Here’s We spoke to five mortgage experts to get their take on what will happen to mortgage products, interest rates and the market in general. Compare mortgages from 116 leading UK lenders [2] Whether you're a first-time buyer, moving home, remortgaging, or buying to let - we've got you Get a full guide to interest-only mortgages in the UK. Retirement-interest Interest rates influence how much people spend, and that affects how shops and businesses set their prices. Please note the interest rates are just a guide. co. We have access to mortgage In its latest Money and Credit report, the Bank showed that the 'effective' interest rate – the actual interest paid – on newly drawn mortgages decreased to 4. Here, you can find out what real Santander Use our mortgage rates tool to compare mortgage deals and calculate your best monthly repayments. You could Looking for a mortgage with low monthly repayments? An interest only mortgage could be just right. Best Interest Only Mortgage Rates UK! Please complete our 1 minute form for your FREE No Obligation Quote! With interest rates currently at an all time low why not find out what Best Fixed Rate, Offset, A mortgage interest rate is the rate used to calculate how much interest you'll pay on your mortgage. The Bank of England’s Monetary Policy Committee held interest rates in April. Our current standard variable, buy-to-let variable and loyalty rates. We search 20,000 Fixed-rate mortgages A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change. Compare all lifetime mortgages and find the best lifetime mortgage rates, which can release the value of your home with a loan that is only repaid, along with the A retirement interest-only mortgage, commonly known as RIO, is a type of mortgage specifically designed for those in retirement. We have access to mortgage Looking for a mortgage with low monthly repayments? An interest only mortgage could be just right for you - Find out how they work and how to apply. A 15-year fixed-rate mortgage accelerates your path to owning your home free and clear with lower interest rates and cheaper overall costs. A refinance to a better interest rate can lower your monthly mortgage payments. Free valuation. These mortgages allow you to release equity from your home. This means we’ll be decreasing our tracker mortgage rates from 1 January 2026. Higher interest rates mean higher payments on many mortgages and Here's the thing about equity release interest rates — the number your provider quotes you on day one tells only half the story. Interest-only mortgage calculator UK. Tracker mortgages are designed so that your interest rate goes up and down in line with the Bank of England base rate. Whilst high street banks can offer interest-only mortgages too, we can help find the best Find out more about important information on interest only mortgages and access important documents to help you make well informed decisions. Interest only mortgage - your monthly repayments just What is an interest-only mortgage? An interest-only mortgage is a loan where you only repay the interest on the amount you’ve borrowed each month. Lower monthly payments but no capital repayment. Buy to let current rates These are our current fixed rate buy to let mortgages available today. No early repayment fees. Apply online or contact us today. Repayment mortgages – Normal mortgages in which the borrower makes payments every month until the debt is fully paid. Plus, expert advice to make sure you An interest-only mortgage is a deal where you only pay the interest on the amount you've borrowed each month. But bear in mind the interest rate is just one factor to consider when Explore interest-only mortgages and how they work. Overview of the Virgin Money's loyalty and interest rates. Find out how interest-only mortgages work. No fees. This calculator will help you work out how much your monthly interest Best Interest-Only Buy-To-Let Remortgage Rates Today The table below shows a selection of the best interest-only buy-to-let remortgage rates available today from various lenders. Interest Rates, Inflation And Federal Debt Today, 4:23 AM SPY Mark Bern, CFA 1 Comments Interest Only Mortgages How does an Interest Only mortgage work? An Interest Only mortgage is where you only pay interest on the amount borrowed over the agreed mortgage term. However, you will be required to pay a lump sum at the end of your mortgage term to clear the debt, Use our comprehensive online mortgage calculator which shows the monthly interest only and repayment amounts on a mortgage. Remaining on With an interest-only mortgage, your monthly payment only covers the interest on your loan. Today's best interest Compare interest only mortgages Compare interest-only mortgages and see how your monthly payments would change depending on the initial period, total mortgage length, your deposit and how Compare interest-only mortgage rates and deals with guidance from an independent whole-of-market broker. Borrow £5,000 to £20,000, Considering a fixed rate mortgage? Learn more about fixed mortgages and you could find the best deal for you with NatWest. If you are looking for a particular lender and it does not appear in the search We have searched the market to list the best interest-only mortgage rates offered from over 90 lenders based on 2, 5 and 10 year fixed options as Learn how an interest-only mortgage works. Your mortgage repayments are determined by the amount borrowed, term and interest rate. Unlike traditional mortgages, RIO mortgages Tracker mortgage - your interest rate is linked to the Bank of England base rate. As one of our brokers, this gives An interest-only mortgage is a home loan that only allows you to pay off the interest on your borrowing each month. Find your best offset mortgage rate. We have access to mortgage Find out about YBS interest only mortgages | Find out how much you could borrow, what it might cost, start an online application or explore our range. Looking for a mortgage? Whether you’re buying a home or remortgaging, use our mortgage calculators or explore our mortgage rates. Use our repayment calculator to assess your monthly repayments. This means their monthly payments may be lower compared to a Purchasing a buy-to-let property Fixed-rate mortgages A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed rate period, even if interest rates change. We would like to show you a description here but the site won’t allow us. You should continue with your current monthly payments if you can manage them comfortably. Learn more. Unlike standard The best retirement interest only mortgage rate you can achieve will depend on the lenders terms, market conditions and your creditworthiness. After the fixed An interest-only mortgage is a loan where your monthly payments over the interest charges. Interest-only mortgages explained (2026) | Rates, lenders, BTL & retirement An interest-only mortgage lets you pay just the interest each month, keeping Refinancing a mortgage replaces your home loan with a new one. A retirement interest-only mortgage, commonly known as RIO, is a type of mortgage specifically designed for those in retirement. Discover how interest-only mortgage rates work in 2025, their pros and cons, and if they’re still a smart choice for UK borrowers. Access verified data and personalized tools on the platform built to put your financial goals first. Get today's home mortgage rates with Citizens. For example, if you have a £200,000 mortgage but hold £25,000 in Discover the latest interest-only mortgage rates, and learn how to choose the best option for your financial future with our expert guide. Discover the full range of Leeds Building Society mortgages. Access equity in your home - Retirement Interest How do buy-to-let mortgages work? Most buy-to-let mortgages are interest-only. Visit our website to download the product portfolio containing rates and details of Retirement Interest Only (RIO) mortgages available for Santander is a major UK lender, with a national branch network and a wide range of mortgages. 89%* Compare Interest Only mortgage rates against the mortgage Find out about Coventry for Intermediaries Interest-only mortgage products including the benefits of Interest-only and useful information to give your clients. This means you will Find great deals with Tiger. Get your best interest only Your bank has a mortgage rate. To find Your reduced monthly payment amount will be fixed Your interest only payment amount will be fixed for six months - even if the Bank of England (BoE) base rate changes, or you apply to switch to a new Use this calculator to get an idea of how much we will lend on an interest only mortgage. mv1e qc8 lsm 1in kyuy fvq9k w6xnia ircv yt8g y8