⚡ Quick Answer
Compare today's best mortgage rates from 47 UK lenders. Updated daily. 2yr fixed, 5yr fixed, tracker and variable rates. Use our mortgage calculator to estimate your payments, and see our full mortgage hub for all guides.
How to Get Started
The first step is always to check your credit score for free and understand your current financial position. Then use our mortgage calculator to estimate what you could borrow.
Trusted Resources
For official UK government guidance, visit GOV.UK property buying guide ↗. For free independent advice, see MoneyHelper ↗ or Citizens Advice ↗.
Quick Links
External Resources
- FCA — Official Mortgage Consumer Guide ↗
- MoneySavingExpert Mortgage Guide ↗
- Which? Mortgages & Property ↗
- MoneyHelper — Buying a Home ↗
Frequently Asked Questions
- Start remortgage shopping 6 months before your fix ends — you can lock now and switch if rates fall
- Loan-to-value bands (95/90/85/80/75%) drive pricing — a small extra deposit can cross a cheaper band
- Get a soft-search decision in principle first — it costs nothing and reveals problems early
- Compare total cost over the fixed period — rate plus fees, not headline rate alone
Insider Notes
Watch the fee, not just the rate. A £999 arrangement fee on a lower rate only pays off above a certain loan size — roughly £150,000+ for typical gaps. Below that, fee-free wins despite the higher headline rate.
Timing your remortgage matters more than most borrowers realise. Most lenders let you lock a deal half a year ahead — if rates rise you're protected, and many lenders let you switch to a cheaper deal before it starts.
The single biggest lever on price is loan-to-value. Lenders price in bands — 95%, 90%, 85%, 80%, 75% — and even £1,000 more deposit can drop you into a cheaper band. Ask your broker to model both sides of the nearest band: on a £200,000 loan that's £2,000–£5,000 over a fix.
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