⚡ 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
- Whole-of-market brokers see deals comparison sites don't carry, especially for non-standard income
- Compare total cost over the fixed period — rate plus fees, not headline rate alone
- Loan-to-value bands (95/90/85/80/75%) drive pricing — check the nearest band boundary
Read This Before You Apply
The remortgage window is a free option too few people use. 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.
Affordability rules changed materially after the 2022–23 rate cycle. Lenders now stress-test your payments at a rate above your actual deal, and regular commitments — car finance, childcare, even subscriptions — reduce the maximum loan. Trimming commitments 3 months before applying genuinely increases what you can borrow.
Nothing moves your rate more than loan-to-value. Lenders price in bands — 95%, 90%, 85%, 80%, 75% — and crossing a band boundary can cut your rate by 0.3–0.6 percentage points. 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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MoneySuperMarket
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Trussle
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