Compare Mortgage Deals

Find the best mortgage rates for your home purchase or remortgage. Compare fixed, variable, and tracker rates from top UK lenders — tailored to your LTV and situation.

All Finance Debt Relief Mortgage Loans

Finding the Right Mortgage for Your Situation

A mortgage is likely the largest financial commitment you'll ever make, and the rate and product type you choose can make a significant difference to your monthly outgoings and total cost over the mortgage term. A 0.5% difference in rate on a $250,000 mortgage over 25 years equates to over $25,000 in additional interest. Understanding Loan to Value (LTV) ratios, the difference between fixed and variable rates, and how first-time buyer schemes like Shared Ownership or the Mortgage Guarantee Scheme can help you get onto the property ladder are all essential before you commit to a deal. Whether you're a first-time buyer, moving home, or remortgaging at the end of your current deal, comparing the whole market gives you the best chance of securing the most competitive terms.

Loan to Value (LTV) and Your Rate: LTV is the ratio of your mortgage to the property's value. A 10% deposit means 90% LTV; a 40% deposit means 60% LTV. Lenders reserve their best rates for lower LTV mortgages — the more equity you have, the better rate you'll typically access.

Fixed vs Variable vs Tracker Rates: Fixed rates give payment certainty for a set period (typically 2, 5, or 10 years). Variable rates — including trackers that follow the Bank of England base rate — can go up or down, potentially offering savings but with less certainty. The right choice depends on your risk appetite and plans.

First-Time Buyer Schemes and Remortgaging: First-time buyers may benefit from government-backed schemes, lower deposit requirements, or specialist products. If you're remortgaging, timing matters — applying 3–6 months before your current deal ends avoids reverting to your lender's standard variable rate (SVR), which is almost always significantly higher.

Whole-Market Search

We compare deals from across the UK mortgage market including high street banks, building societies, and specialist lenders — not just a select panel.

First-Time Buyer Support

Access dedicated guidance on first-time buyer schemes, Help to Buy alternatives, Shared Ownership, and low-deposit mortgages from specialist advisors.

Remortgage at the Right Time

Our alerts help you know exactly when to remortgage. We'll flag your deal end date and help you secure a new rate before you roll onto an expensive standard variable rate.

How Mortgage Comparison Works

Enter Your Property and Finance Details

Tell us the property value, your deposit amount, your income, and whether you're buying for the first time, moving home, or remortgaging. We use this to calculate your LTV and search the right product tiers.

See Matched Mortgage Deals

We present mortgage deals from across the market ranked by initial rate, overall cost for comparison, and monthly payment. Filter by fixed, variable, or tracker; by term length; or by lender type.

Compare the True Cost

Look beyond the headline rate. We show you the overall cost for comparison (APRC), including any arrangement fees, valuation fees, and cashback offers, so you can accurately compare the total cost of each deal.

Speak to a Mortgage Broker

When you're ready, our FCA-authorised mortgage broker partners can provide regulated advice and access to exclusive rates not available on the open market. Many borrowers save more by going through a broker.

Best Mortgage Deals

★ Featured Provider

Best Value

MortgagePro Direct

Whole-market mortgage broker with free advice

4.8(14,200)

4.99% p.a./annum

Whole-market access
Free broker service
First-time buyer specialists
Decision in principle in 24h

★ Featured Provider

HomeLoan Plus

Fixed and tracker mortgages from top lenders

4.6(9,800)

5.25% p.a./annum

2 & 5-year fixed rates
Buy-to-let available
Overpayment allowed
Online mortgage calculator

PropertyFinance

Remortgage and first-time buyer solutions

4.4(6,100)

5.49% p.a./annum

Remortgage specialists
Help to Buy eligible
No arrangement fee option
Self-employed considered

Why Compare Mortgages with Us

Access to exclusive rates

Our FCA-authorised broker partners have access to mortgage deals not available directly from lenders or on comparison sites — including exclusive rates negotiated for their client base.

Every mortgage type covered

We compare residential, buy-to-let, interest-only, repayment, offset, and guarantor mortgages alongside specialist products for self-employed applicants and those with complex income structures.

True cost comparison

We compare Annual Percentage Rate of Charge (APRC) alongside monthly payments so you can see the genuine total cost — including fees — of each deal over its full term.

Remortgage alerts

Register your current mortgage details and we'll alert you when your deal is approaching its end date, ensuring you never accidentally slip onto your lender's expensive standard variable rate.

First-time buyer guidance

Dedicated content and specialist advisors for first-time buyers, covering everything from the mortgage application process to which government schemes you may qualify for.

Buy-to-let expertise

Compare buy-to-let mortgages with specialist understanding of rental yield requirements, HMO regulations, and the tax implications of portfolio landlord status.

Mortgage FAQs

Find the right mortgage for you

Compare mortgage deals from across the UK market — and speak to an FCA-authorised broker for regulated advice.

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