Compare Mortgages

Whether you're a first-time buyer or a seasoned property investor, you'll find a wealth of information on property buying here in our mortgage section including a range of mortgage calculators ,step by step guides and a free property valuation service. Compare the best mortgages from the UK's leading lenders in 2013, simply call the numbers below for the latest rates or use our new mortgage comparison service below to compare over 3000 products.

Popular Mortgages

Popular Fixed Rate Mortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

Chelsea Building Society
2yr 1.74% Fixed LTV 60% Direct
+ More Details		Fixed1.74%31/07/20155.79%5.20%60%£1675MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
NatWest
2yr 1.74% Fxd LTV 60% Direct
+ More Details		Fixed1.74%31/10/20154.00%4.00%60%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr 1.74% Fxd LTV 60% Ex/B Direct
+ More Details		Fixed1.74%31/10/20154.00%Pending60%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 096 7446
Yorkshire Building Society
Flexi 2yr 1.79% Fixed LTV 60% Direct - High Fee
+ More Details		Fixed1.79%30/06/20154.99%4.60%60%£1475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
HSBC
2yr 1.89% Fixed LTV 60% Special Direct
+ More Details		Fixed1.89%31/08/20153.94%3.80%60%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£500000
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
See more fixed rate mortgages

Popular Remortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

Chelsea Building Society
2yr 1.74% Fixed LTV 60% Direct
+ More Details		Fixed1.74%31/07/20155.79%5.20%60%£1675MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
NatWest
2yr 1.74% Fxd LTV 60% Direct
+ More Details		Fixed1.74%31/10/20154.00%4.00%60%£1995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
HSBC
2yr 2.19% Discount LTV 60% Special Direct
+ More Details		Discount1.75%243.94%3.80%60%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
Yorkshire Building Society
Flexi 2yr 1.79% Fixed LTV 60% Direct - High Fee
+ More Details		Fixed1.79%30/06/20154.99%4.60%60%£1475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
HSBC
2yr 1.89% Fixed LTV 60% Special Direct
+ More Details		Fixed1.89%31/08/20153.94%3.80%60%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£500000
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
See more remortgages

Popular Tracker Mortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

NatWest
2yr BBR + 1.69% LTV 60% Direct
+ More Details		Tracker2.19%31/10/20154.00%3.80%60%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr BBR + 1.69% LTV 60% Direct
+ More Details		Tracker2.19%31/10/20154.00%3.80%60%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 096 7446
Yorkshire Building Society
2yr BBR + 1.74% LTV 75% Direct
+ More Details		Tracker2.24%30/06/20154.99%4.60%75%£975MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:yes
Homemover:yes
Remortgage:yes
HSBC
Lifetime BBR + 1.78% LTV 60% Special Direct
+ More Details		Tracker2.28%termn/a2.40%60%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0800 077 4339
Santander UK plc
2yr BBR + 1.94% H/P C/B LTV 70%
+ More Details		Tracker2.44%24 months4.74%4.50%70%£995MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:30%
First time buyer:yes
Homemover:yes
Remortgage:no
Call Direct
0808 149 8421
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
See more tracker mortgages

Popular Buy To Let Mortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

The Mortgage Works
2yr 2.74% Fixed BTL LTV 65%
+ More Details		Buy To Let2.74%24 Months4.99%5.10%65%£5250MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:no
Homemover:yes
Remortgage:yes
HSBC
2yr 2.99% Fixed BTL LTV 65% Ex/C Premier Direct
+ More Details		Buy To Let2.99%24 Months5.00%4.99%65%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0808 115 0607
The Mortgage Works
1yr 2.99% Fixed BTL LTV 75%
+ More Details		Buy To Let2.99%12 Months4.99%5.20%75%£3750MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:25%
First time buyer:no
Homemover:yes
Remortgage:yes
BM Solutions
2yr BBR + 2.79% BTL C/B LTV 60% Exclusive
+ More Details		Buy To Let3.29%24 Months4.84%n/a60%£750MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
First time buyer:no
Homemover:yes
Remortgage:yes
HSBC
2yr 3.29% Fixed BTL LTV 65% Ex/C Direct
+ More Details		Buy To Let3.29%24 Months5.00%4.90%65%£1999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:35%
First time buyer:yes
Homemover:yes
Remortgage:yes
Call Direct
0808 115 0607
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
See more buy to let mortgages

Popular Offset Mortgages

Mortgage Type

Buy to Let: For landlords purchasing a property for letting.
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Offset: Mortgage interest payments are offset against any savings you may hold.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

Chelsea Building Society
Flexi 2yr 1.94% Fixed Offset LTV 60% Direct
+ More Details		Fixed1.94%31/07/20155.79%5.20%60%£1675MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
Yorkshire Building Society
Flexi 2yr 1.99% Fxd Offset LTV 60% Dir - High Fee
+ More Details		Fixed1.99%30/06/20154.99%4.60%60%£1475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
Yorkshire Building Society
Flexi 2yr 2.09% Fixed Offset LTV 60% Direct
+ More Details		Fixed2.09%30/06/20154.99%4.60%60%£975MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
Chelsea Building Society
Flexi 3yr 2.19% Fixed Offset LTV 60% Direct
+ More Details		Fixed2.19%31/07/20165.79%5.00%60%£1675MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:yes
Yorkshire Building Society
Flexi 2yr 2.39% Fixed H/P Offset LTV 60% Direct
+ More Details		Fixed2.39%30/06/20154.99%4.60%60%£475MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Minimum Deposit:40%
Max Loan:£5000000
First time buyer:yes
Homemover:yes
Remortgage:no
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
See more offset mortgages

More about mortgages

Mortgages are one of the biggest staples of our economy. As well as allowing people to own their homes and build up collateral, they are big winners for the banks and in turn the public purse.

Accordingly, there's a wealth of different options out there. There are different kinds for whether you're buying your own home or buying to rent out, whether you are self-employed or work for a company, and whether you are a first time buyer or you are seeking to renegotiate your deal - this is known as remortgaging.

Most of the time, you borrow what you need to buy your house - putting up an initial deposit up front - and pay it back over a period of 25 years.

You either pay a fixed interest rate for an agreed period of a few years, an on-going variable rate, or a rate that tracks the Bank of England's base rate. You'll also face an arrangement fee when you first take out the mortgage. This can be anywhere up to £2,000 or beyond.

Be careful - if you fall into arrears too often or for too long the bank will repossess your home, meaning you lose everything you've put in up until then. Therefore, it's important to make sure that you don't over stretch yourself and agree a deal within your means.

Insurance, covering the repayments if you lose your job or can no longer work, is available.

Click here for Know Your Money's in-depth guide.

Products by merchant

Mortgage Advice

Speak with a qualified mortgage advisor from Turnkey Mortgages to discuss your mortgage needs

Call: 0808 132 0075

Call centre hours are: 8am to 8pm Monday to Friday 9am to 4pm Saturday. Closed Sundays.

How much is your property worth?

Use the FREE propertypriceadvice.co.uk valuation service for an accurate and up-to-date estimate of the value of any property in the UK.

How much is your property worth?

Use the FREE propertypriceadvice.co.uk valuation service for an accurate and up-to-date estimate of the value of any property in the UK.

Mortgages Guides

Mortgage Calculators

Santander Mortgages


Whether you're a first time buyer, moving home or looking to remortgage to us, we have a team of dedicated advisors on the phone who can help.

Call 0800 032 4610

Other Resources

Refused a Mortgage?

Concerned you may not qualify for the mortgage you need? Let expert mortgage advisors from Turnkey Mortgages find the right mortgage for you.

Call: 0808 132 0075

Call centre hours are: 8am to 8pm Monday to Friday 9am to 4pm Saturday. Closed Sundays.