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. Pick a mortgage type from the list to start comparing the latest interest rates, product fees and other key features or choose an option below to get information on a range of mortgage and home buying issues.

Choose a mortgage type below

Fixed Rate Mortgages - sorted by lowest initial rate

  • 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.
  • Overal 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.
  • Max LTV
    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.
    If the fee charged is a % we have based the fee on a 150k mortgage.
  • ERC
    Will your lender charge you for repaying the mortgage early?

    Remortgages - sorted by lowest initial rate

    • 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.
    • Overal 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.
    • Max LTV
      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.
      If the fee charged is a % we have based the fee on a 150k mortgage.
    • ERC
      Will your lender charge you for repaying the mortgage early?

      Tracker Mortgages - sorted by lowest initial rate

      • 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.
      • Overal 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.
      • Max LTV
        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.
        If the fee charged is a % we have based the fee on a 150k mortgage.
      • ERC
        Will your lender charge you for repaying the mortgage early?

        Buy To Let Mortgages - sorted by lowest initial rate

        • 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.
        • Overal 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.
        • Max LTV
          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.
          If the fee charged is a % we have based the fee on a 150k mortgage.
        • ERC
          Will your lender charge you for repaying the mortgage early?

          THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

          We may receive a commission from some of the companies we refer you to, these are displayed with a green ‘More Info' button. Listings with a green 'Enquire' button refer you to an FCA regulated mortgage broker where we also receive a fixed fee. Tables initially display lenders from whom we receive commission, ordered by initial rate. Using the green arrows allows whole-of-market comparisons ordered by the chosen table column.

          Mortgage data supplied by Defaqto. Last updated 11:30, 28/03/2015.

          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.

          For more information on different types of mortgages click here.

          Helpful links for mortgage issues

          Gov.uk - The government website's 'Owning and renting property' page features information on a range of issues including buying and selling property, property regulations and taxes, and mortgage aid schemes.

          HMRC - HM Revenue & Custom's Stamp Duty page tells you everything you need to know about the tax including reliefs, exemptions, payments and penalties.

          Council of Mortgage Lenders (CML) - The CML's consumer information pages feature a host of information on buying a property and choosing and managing a mortgage.

          Citizens Advice Bureau - Citizens Advice Bureau's 'mortgage problems' section offers help and advice to people who are having trouble keeping up with their mortgage repayments.

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