This comparison includes every mortgage you can currently get in the UK. Find the right mortgage for you today to make sure you get one that:

  • Costs less: How much your mortgage costs depends on its interest rate and any fees that come with it. Compare every deal that fits what you need to find the best mortgage rates, lowest fees and the right loan to value (LTV).

  • Will accept you: Some mortgages only accept certain types of customer like first time buyers or existing homeowners. Applying for the right types of mortgage can avoid wasting your time and damaging your credit record.

Compare just the mortgages designed for your circumstances using our comparisons for:

Getting a better deal with a remortgage

If you want to stay in your home but get a better deal, a remortgage lets you switch. This can save you money if:

  • The interest rate on the new deal is cheaper

  • The fees for switching are not too high

Here is how to remortgage and how to check whether getting a new deal is your cheapest option.

Buying your first home

There are several types of mortgage available for first time buyers and schemes to help you get on the property ladder. Here is where to find help and how to check you can afford to buy a house.

Moving house

If you already own your home but want to move, you may need a new mortgage. Check if your existing mortgage is portable, which means you can move it to a new property.

If it is not portable or you want a better deal with a different lender, consider getting a new mortgage when you move house.

Decide what type of interest rate you want

Getting the right interest rate could save you money or give you a guarantee that your payments will not increase for several years.

Fixed interest rates are higher on average but could save you money if rates rise because your interest stays the same until the fixed term ends.

Variable, discount and tracker rates are often lower but could go up. Here is how to decide which type of interest rate is right for you.

Choose between interest only and repayment mortgages

Most deals are repayment mortgages, which means your monthly payments clear the amount you owe by the end of its term.

However, you may also be able to get an interest only mortgage, which would come with lower monthly payments but could cost more in the long term.

Here is how to decide which type is best.

Mortgage FAQs

Q

How much could I borrow?

A

Use our calculator to work out how much banks and other mortgage companies may be willing to lend you.

Q

How much will it cost to buy a house?

A

Work out the total amount by adding up all of the costs of buying a home, including mortgage interest and charges, solicitor fees and surveys.

Q

Do I need a new mortgage if I move house?

A

Some mortgages are portable, meaning you can keep them if you move. However, you may be able to find a cheaper deal if you switch.

Q

Do I need a deposit?

A

You need to pay some of the purchase price yourself with most mortgages. Some are available without a deposit, but you usually need a guarantor.

Q

How can I save up a deposit?

A

You can save up yourself, get help from family or use a Help to Buy ISA. Here is how to get a deposit together.

Q

Can I get a mortgage through a broker?

A

Yes, you could contact a mortgage broker for help choosing one that suits your finances.

About our mortgage comparison

Q

Who do we include in this comparison?

A

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.