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Expert advice across thousands of deals could save you an average of £321 a month.*
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We compare 1000s of mortgage deals for you from over 70 mortgage lenders across the whole of market
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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
Best mortgage rates
Compare the latest mortgage deals below, filtered by Loan-to-Value (LTV) to show you the best rates for your deposit size. We’ve included the APRC for every offer, giving you a transparent view of the true cost (including fees and the lender's Standard Variable Rate) so you can look beyond the headline figure. The market can move fast and we update these tables every 12 hours, but lenders can pull products at any time. If you see a mortgage deal you like, we recommend speaking to one of our experts and checking your eligibility immediately to lock it in before it’s gone as they may not be available when you're ready to submit an application.
- 2 years
- Fixed rate
- Monthly repayment£ 841.95
- Loan to value60 %
- Initial interest rate3.51 %
- Variable rate6.74 %
- APRC6.4%
- Product fees£ 1,525
Representative example:Repayment mortgage of £168,000.00 over 25 years, representative APRC 6.4%. Repayments: 27 months of £841.95 at 3.51% (fixed), then 273 months of £1,134.19 at 6.74% (variable). Total amount payable £332,366.52. Early repayment charges apply until 30-Apr-2028. Arrangement, mortgage discharge, valuation and CHAPS fees total £1525.
- 2 years
- Fixed rate
- Monthly repayment£ 990.88
- Loan to value70 %
- Initial interest rate3.6 %
- Variable rate7.24 %
- APRC6.8%
- Product fees£ 1,099
Representative example:Repayment mortgage of £196,000.00 over 25 years, representative APRC 6.8%. Repayments: 26 months of £990.88 at 3.6% (fixed), then 274 months of £1,381.16 at 7.24% (variable). Total amount payable £404,200.72. Early repayment charges apply until 31-Mar-2028. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099.
- 2 years
- Fixed rate
- Monthly repayment£ 1,144.53
- Loan to value80 %
- Initial interest rate3.7 %
- Variable rate7.24 %
- APRC6.8%
- Product fees£ 1,099
Representative example:Repayment mortgage of £224,000.00 over 25 years, representative APRC 6.8%. Repayments: 26 months of £1,144.53 at 3.7% (fixed), then 274 months of £1,579.68 at 7.24% (variable). Total amount payable £462,590.10. Early repayment charges apply until 31-Mar-2028. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099.
- 2 years
- Fixed rate
- Monthly repayment£ 1,323.35
- Loan to value90 %
- Initial interest rate3.96 %
- Variable rate6.24 %
- APRC6%
- Product fees£ 1,016
Representative example:Repayment mortgage of £252,000.00 over 25 years, representative APRC 6%. Repayments: 28 months of £1,323.35 at 3.96% (fixed), then 272 months of £1,632.02 at 6.24% (variable). Total amount payable £480,963.24. Early repayment charges apply until 31-May-2028. Arrangement, mortgage discharge, valuation and CHAPS fees total £1016. Legal fees £295.
How much can I borrow for a mortgage?
To find out what mortgage offers you might get, mortgage providers will need to know about your:
Income – Lenders will look at your salary plus any secondary streams of income like bonuses, overtime, or rental income
Deposit amount – Most lenders require at least a 5% deposit. Generally, larger deposits open up more mortgage deals
Existing debts – Lenders calculate your debt–to-income ratio by looking at your outstanding debt, such as credit cards, loans, car finances
Credit score – This is your financial “track record”. A high credit score indicates you’ve managed repayments well in the past
Sole or joint application – If you’re buying with someone else (in a joint mortgage), both incomes and credit histories will be considered
Spending habits – Beyond your fixed bills, lenders may review your outgoings, such as childcare, bills, and general living expenses
To find out exactly how much you can afford, speak to a mortgage broker.
Mortgage calculators
Want to know how much a mortgage lender may be willing to lend you? Our useful mortgage tools & calculators can help you navigate each step of your mortgage journey.
Mortgage affordability calculator
A simple way to find out how much you might be able to borrow based on your income and deposit amount.
Stamp duty calculator
Tell us a bit about your property to find out how much stamp duty land tax (STLD) you have to pay on completion of your purchase.
Ultimate mortgage calculator
Boost your mortgage knowledge before applying by finding out how much you might be able to borrow, how much your monthly payments could be and how much you might pay back in total.
While these calculators can provide a rough idea of costs and affordability, they don't take into account your personal circumstances. For a more accurate understanding of how much you could personally borrow and what rates you could be offered, speak to a mortgage broker such as our trusted partner Mojo Mortgages. They'll help you compare current mortgage rates and deals in the UK to find the best rate for you and your circumstances.
What kind of mortgage do I need?
First-time buyer mortgages
A first-time buyer is someone who has never owned a property anywhere in the world. Although certain first-time buyer mortgage deals exist, the majority of mortgages are available to all buyers. However, stamp duty relief and certain home ownership schemes are only available to first-time buyers that meet the relevant criteria.
Remortgage
Remortgaging involves switching the mortgage deal on your current property, either by changing mortgage provider or getting another deal with your existing lender. Most people remortgage towards the end of their current deal. You can usually find a new rate around six months before your existing deal term ends.
Moving house mortgage
When you move house you can often take your existing mortgage with you, which is known as porting your mortgage. It can be an easier option, but won't always be the cheapest, so it's worth comparing mortgage available from other lenders too. Most mortgages are portable, but if yours isn't you might have to get a new mortgage with another lender. Look out for early repayment charges (ERCs) and exit fees if you're still in an introductory period.
Buy-to-let mortgage
A buy-to-let mortgage is to buy rental properties for investment purposes, so is typically only used by landlords. Lenders base your borrowing on the property's potential rental income (or yield), ususally expecting this to cover 125-145% of the monthly mortgage repayments. You'll also need a higher deposit, with most lenders asking for around 20-40% of the property value.
What are the different types of mortgage rate?
Fixed-rate mortgages
A fixed-rate mortgage locks in the interest rate for a set period, usually between two, five, or 10 years. Your monthly payments and mortgage rate stays the same throughout this term.
Features:
Interest rate won’t increase within a specific time
Repayments remain the same until your deal ends
Key considerations:
Ideal for budgeting, it’s good for those who want a stable outgoing repayment
You won’t benefit from lower payments if interest rates fall while you’re locked into a deal
Variable-rate mortgages
There are three different types of variable-rate mortgages:
Standard variable rate (SVR)
Discount
Tracker
All variable interest rates are subject to change at any time. The introductory period of variable rate deals can be cheaper than a fixed-rate deal initially, but become more expensive if rates rise (or cheaper if rates fall).
Standard variable rate (SVR)
This is the mortgage lender’s default interest rate and is usually higher than any of their other deals. Once your initial mortgage deal ends, you are often moved onto this type of rate, unless you remortgage to another deal.
Features:
Often influenced by the Bank of England base rate
Lenders can raise or lower their SVR at any time
Key considerations:
SVRs can be more expensive than fixed or tracker deals
Good for borrowers who don’t want to be locked into a minimum term
Discount mortgages
A discount mortgage is a rate set by your lender’s standard variable rate minus a fixed percentage.
Features:
Good for borrowers who are comfortable with their repayments going up and down.
Key considerations:
The rate will go up or down along with the SVR, but there's no guarantee that this will happen or by how much.
The lender can change the SVR at any time, even if the base rate remains the same.
Tracker mortgages
With tracker mortgages, during the initial deal period, your mortgage rate follows another rate, usually the Bank of England base rate. It will match when it rises and falls.
Features:
Interest rate rises or falls when the base rate changes.
Key considerations:
If interest rates rise, there’s a risk of paying higher repayments.
Offset mortgages
With offset mortgages, your savings are offset against your mortgage loan so that you pay less interest. For example, if you have savings of £50,000 and a mortgage of £200,000, you would only pay interest on £150,000. Your savings would not accumulate any interest though.
Features:
It can shorten the repayment term if your savings are sustained.
You can get fixed or variable offset mortgages.
Key considerations:
Works well if you have a significant amount in savings.
Mortgage interest rates may be higher than standard deals. offset mortgages.
Interest-only mortgages
An interest-only mortgage is a loan where your monthly payments over the interest charges. Your monthly payments don’t reduce the amount borrowed (the principle).
Features:
The amount you borrowed remains the same throughout the life of the mortgage.
At the end of the term, you’ll be required to pay back what you borrowed.
Key considerations:
Often offers lower monthly repayments, but may cost more in total interest as the loan balance never decreases.
Typically used for buy-to-let properties.
How does a mortgage work?
A mortgage is a type of secured loan that helps you to buy a property. You'll borrow the money you need (minus your deposit) from a lender, and then pay back what you owe, plus interest, monthly over a set period of time.
How to get the best mortgage deals
Getting access to the UK's cheapest mortgage rates, even so called 'mortgage best buys', will depend on lots of different factors, including how much you want to borrow, the type of property you want to buy and your personal circumstances (such as your income and credit history).
You can increase your chances of securing one of the more competitive mortgage deals and lowest mortgage rates by:
Saving as large of a deposit as you can afford. Generally, lower LTV mortgages are seen as less risky by lenders, and are rewarded with better interest rates.
Improve your credit score. Keeping track of your own credit rating and taking steps to improve your score is another great way to appear less risky to lenders. Check your credit report, reporting any errors or discrepancies. This could lead to better rates being available to you.
Maintain your debt-to-income ratio. If you can, avoid taking out new loans when preparing for a mortgage. Keep paying down any debts, making sure to meet your repayments.
Speak to a whole-of-market mortgage broker,, like our partner brand, Mojo. Exploring different options allows you to compare the best mortgage rates across the market, which gives you a better chance of securing a competitive deal.
With another base rate cut in December 2025 to 3.75%, mortgage lenders have priced deals accordingly. They will take into account wider economic factors such as inflation, which has seen an unexpected dip in December too, after hitting a year high of 3.8% in July”Jason McDonald, Mortgage Expert
Help & schemes for first-time buyers
If you're buying a home for the first time, it can be tricky to save up the money required. However, there are some schemes designed to help you get on the property ladder.
Mortgage guarantee scheme
The mortgage guarantee scheme encourages participating lenders to offer 5% deposit mortgages by providing them with a government-backed guarantee.
Stamp Duty relief
As a first-time buyer in England and Northern Ireland, you get stamp duty tax relief on properties up to £300,000. In Scotland you get relief up to £175,000, and in Wales it's £225,000. Our stamp duty calculator helps you work out how much you need to pay.
Lifetime ISA
If you're struggling to save a deposit for your first home and are between the ages of 18-40, it might be worth opening a Lifetime ISA. The government will provide a 25% tax-free bonus on your savings, helping you save a deposit more quickly.
First Homes scheme
The First Homes Scheme provides designated properties for first-time buyers and key workers in England at 30-50% below market value. These properties are in limited locations, but availability is expected to increase in the coming years.
Shared Ownership
If you're struggling to save up a deposit for a mortgage on a home that meets your needs, shared ownership may be an option for you. You buy a 10-75% share of a home and pay rent to a housing association who own the rest.
Right to Buy
The Right to Buy Scheme allows certain council tenants to buy their rented home at a discount. Different rules apply across the UK so check your government's website for details. The Right to Acquire Scheme is a similar scheme for housing association tenants.
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Mortgage FAQs
What is a mortgage?
A mortgage is a loan from a bank, building society or other lender that you use to buy property. You normally repay the mortgage plus interest over a set period of time (the mortgage term), normally around 25-30 years.
This type of loan is secured on the property you’re buying, meaning that if you default on payments (fail to repay the loan), the lender could potentially repossess your home (take it back). This is usually a last resort, but it's important to understand that you won't own the property outright until the entire loan has been repaid.
You can use a property bought with a mortgage as soon as the purchase has been completed. Being able to continue doing so depends on you keeping up with the repayments each month.
How long is a mortgage term in the UK?
The typical length of a mortgage in the UK is around 25-30 years, but the term can be shorter or longer, depending on your preference, income and age.
A longer term mortgage will allow you to keep your monthly costs lower, as it will spread out the repayments over a longer duration. But this also means that it takes you longer to repay the mortgage, and you’ll pay more interest overall as a result.
What is loan to value (LTV)?
The LTV is the ratio between the value of your property and the amount you're borrowing. For example, if you take out £112,500 mortgage on a £150,000 property, the loan would be 75% LTV. You would therefore need a deposit of 25% (or £37,500).
All mortgages have a maximum LTV that it's possible to borrow, and typically, the higher the LTV (the more you borrow compared to the cost of the property), the higher interest rate you’ll pay.
First-time buyers tend to need to borrow a higher percentage of the property’s value than existing homeowners. This is because if you already have a home, you typically build up equity in the property as you repay the loan and when house prices rise. Equity can be used as a deposit when you find a new remortgage or move home.
What is the APRC?
APRC stands for Annual Percentage Rate of Charge and is a way of comparing different mortgages. It takes the overall rate charged over the lifetime of the mortgage, including any fees, and gives you a baseline mortgage rate comparison.
Mortgages generally offer a lower interest rate for the first two to 10 years then revert to the lender’s standard variable rate (SVR). Every lender has their own SVR and this is typically (but not always) the most expensive rate available.
The APRC uses both of these interest rates to show the real cost over the whole term of the mortgage. This helps you to find out whether the mortgage deal with the lowest initial rate is really the cheapest overall.
As this assumes you’ll keep the same mortgage for the whole term, it’s not always a useful way to compare deals, however. Looking at the total cost over the deal period can be a better way to find the cheapest option, if you're planning to switch mortgages when each deal period ends.
Should I get a repayment or an interest only mortgage?
Most residential mortgages are only offered on a repayment basis, so if you're purchasing a home to live in, then you will most likely need to get a repayment mortgage.
This is because interest-only mortgages are much riskier, as you still owe the full loan amount at the end of the term. You need a repayment plan in place and if this doesn't work out, you'll need to sell the property at the end of the term.
However, if you're purchasing a buy-to-let property, interest-only mortgages are commonly available. Most landlords use interest-only mortgages, as it means the monthly mortgage repayments are lower, allowing them increased profit from the rent.
This can be used for property maintenance or saved towards repaying the full loan at the end of the mortgage term. Plus, landlords are usually happier to sell a investment property than residents are to sell their home at the end of the term, if necessary.
A repayment mortgage costs more each month than an interest-only mortgage. However, you will repay more interest overall with an interest-only mortgage, as you’re paying interest on the full capital amount for the entire mortgage term.
For example, if you had a mortgage of £200,000 at 5% over 20 years, the total interest would be around £116,876 if you took out the mortgage on a repayment basis. If you took it out on an interest-only basis, you would end up paying £200,146 in interest and would still owe £200,000 capital at the end.
How can mortgage comparison save me money?
When applying for a mortgage, it's important to get a competitive rate, as this will determine how much you pay each month.
An independent mortgage broker carry out mortgage rates comparison across the whole market very quickly, and help find the deal that's most suited to your individual circumstances.
Important questions to consider when choosing a mortgage are:
How much will my monthly mortgage payments be?
What arrangement fees will I need to pay?
If I choose a variable-rate mortgage, what happens when interest rates rise?
Always factor in the fees as well as the interest rate when you're deciding which is the most affordable option overall. The easiest way to do this is to look at the total cost over the deal period. Some fees can be paid upfront or added to your mortgage. If you do add fees, you’ll pay interest on them along with the rest of your mortgage.
What is a mortgage in principle?
To make the home buying process smoother, you should consider getting a mortgage in principle. This is often known as a decision in principle (DIP) or an agreement in principle (AIP) by lenders.
A mortgage agreement in principle is a theoretical mortgage offer, assuming you are able to meet the full criteria when you go through the full application process.
It's useful when looking at properties, as it gives the impression that you are a serious buyer. It's also a good indicator that you will be approved for a mortgage down the line, so long as the information you provide when you apply for it is as accurate as possible.
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Sources
https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate
https://www.gov.uk/first-homes-scheme
https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/government-schemes-help-buy-home/
https://www.gov.uk/right-to-buy-buying-your-council-home
https://www.gov.uk/lifetime-isa
https://www.gov.uk/stamp-duty-land-tax
https://www.gov.scot/policies/taxes/land-and-buildings-transaction-tax/
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*Average savings are based on Mojo Mortgages residential remortgage sales data, compared to the average SVR in August 2025. Actual savings will depend on individual circumstances.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions.
Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website.
Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH.
Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215)
Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.