Compare Mortgage Products & Rates

A mortgage represents the largest financial commitment most people make in their lifetime. Whether you're purchasing your first home, refinancing your current property, or investing in buy-to-let, finding the right mortgage product is crucial. Our comparison tool helps you quickly evaluate offers from multiple lenders across various mortgage types, including fixed-rate, tracker, and specialist buy-to-let products.

How to Use This Comparison Tool

To get the most relevant results, you'll need to specify what you're looking for. Start by clicking the 'change criteria' button above the comparison table and enter your details—including the amount you need to borrow, property value, and your deposit size.

Once you've entered your information, use the tabs at the top of the results table to filter by product type. Whether you're interested in buy-to-let mortgages, fixed-rate deals, or tracker products, the tool will display matching offers based on your requirements.

Pro tip: Click any column heading to sort results by that criterion. This lets you prioritize what matters most—whether that's the lowest rate, highest loan-to-value ratio, or minimal fees.

Understanding the Comparison Table

The table displays several key metrics to help you make an informed decision. Here's what each column means:

Provider: The lending institution offering the mortgage. Most are familiar high-street banks, though we also include specialist lenders where appropriate.
Initial Rate: The interest rate you'll pay during the introductory period. For fixed-rate mortgages, this remains constant for a set term (usually two to five years). Tracker mortgages follow the Bank of England base rate plus a set margin, so they can fluctuate. After the intro period ends, you'll move to the lender's standard variable rate.
Rate Until: Shows how long your introductory rate lasts, plus the standard variable rate that kicks in afterward.
Overall Price for Comparison: This is the APR averaged over the product's lifetime, combining both the initial and standard variable rates. It's useful for comparing the true long-term cost across different lenders.
Initial Monthly Payment: Your expected monthly repayment during the introductory period. Make sure you've entered your borrowing amount in the criteria section, or this will show default figures.
Max LTV: The maximum loan-to-value ratio the lender will approve. For example, if you're borrowing £120,000 against a £200,000 property, that's a 60% LTV. Higher LTV ratios represent greater risk for lenders.
Total Fees: All upfront costs combined, including arrangement and valuation fees. These are paid separately from your monthly repayments.
More Info: Hover over this to see additional details, including early repayment charges and the total cost over the mortgage term.
Enquire: Click to start your application process with that lender.

What Mortgage Type Should You Choose?

Fixed-rate mortgages offer stability—your rate won't change for the agreed period, making budgeting easier. Tracker mortgages can be more flexible, potentially saving you money if interest rates fall, but they also carry the risk of increasing costs.

Buy-to-let mortgages are designed for property investors and typically require larger deposits than standard residential mortgages. Consider your circumstances carefully and think about consulting with a mortgage advisor if you're uncertain which product suits you best.