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Your home may be repossessed if you do not keep up repayments on your mortgage.
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Borrower case studies
These anonymised examples show common ways borrowers use the calculators and guides. They are not mortgage advice, approval outcomes, rate promises or savings claims.
Indicative takeaway Prepared questions for a more focused adviser conversation.
Indicative takeaway Compared the main trade-offs before deciding on an enquiry.
Indicative takeaway Identified common document and income questions to prepare.
Indicative takeaway Narrowed the discussion to cautious budget ranges.
Indicative takeaway Organised the key figures before discussing lender criteria.
Edit the loan amount and term to compare five indicative examples by estimated monthly payment. These are not live lender offers, mortgage guidance or a guarantee that a product will be available to you.
Content reviewed: 29 June 2026
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Request a callback| Provider type | Mortgage type | LTV basis | Rate information | Fee information | Estimated monthly payment | Initial-period estimate | Next step |
|---|---|---|---|---|---|---|---|
| Building society example | 5-year fixed purchase | 75% LTV | 4.72% indicative | £0 product fee example | £1,421 | £85,259 | Discuss this option |
| High-street lender example | 2-year fixed purchase | 60% LTV | 4.89% indicative | £999 product fee example | £1,445 | £35,691 | Discuss this option |
| Remortgage product example | 2-year fixed remortgage | Based on current equity | 4.94% indicative | £999 product fee example | £1,453 | £35,865 | Discuss this option |
| Offset mortgage example | 5-year fixed offset | 75% LTV | 5.09% indicative | £999 product fee example | £1,475 | £89,476 | Discuss this option |
| Tracker product example | Variable tracker mortgage | Lender criteria vary | 5.34% indicative | £1,499 product fee example | £1,511 | £37,773 | Discuss this option |
The lowest headline rate is not always the lowest total cost. Product fees, incentives, early repayment charges, loan size and fixed-period length can change the comparison.
Monthly and initial-period estimates are illustrative and exclude valuation, legal, broker and exit fees unless shown. A mortgage adviser or broker partner can discuss your circumstances before you decide whether to proceed.
Compare payment examples using different rates, deposits and terms.
Calculate repayments →Estimate a borrowing range before comparing products by loan-to-value.
Estimate borrowing →Compare your current payment with possible new-rate scenarios.
Check remortgage options →Compare rental yield assumptions alongside possible mortgage costs.
Calculate rental yield →See how overpayments could shorten your term and save interest.
Estimate overpayment savings →Borrowing estimate for sole traders, contractors and Ltd directors.
Speak to a broker →Estimate SDLT for England and NI, including first-time buyer relief and additional-property surcharge.
Calculate Stamp Duty →Compare daily rate-feed examples by estimated monthly payment and initial-period cost.
Compare rate examples →Mortgage options can depend on your income, deposit, credit history, property type, and whether you are buying, remortgaging, or investing.
Deposit, affordability, schemes and documents explained.
When your fixed deal ends, how to compare, and what to consider.
Sole trader, contractor and Ltd director income assessments.
Landlord lending criteria, rental cover, and SPV options.
Defaults, CCJs, IVAs and how specialist lenders assess applications.
Day-rate income, gross annualised contracts, and lender approach.
Salary + dividends, retained profit, and how lenders interpret income.
Lending into retirement, RIO and later-life mortgage options.
Parents or family can boost your borrowing without going on the deeds.
Buy 25–75% of a property, pay rent on the rest, staircase over time.
What's still available in 2025: LISA, Shared Ownership, First Homes, Mortgage Guarantee.
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GBP, UK lender practice, UK affordability rules — not blended global content.
These related sites provide general mortgage information and calculators for different research needs. They do not replace advice based on your circumstances.
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Request a callbackYour home may be repossessed if you do not keep up repayments on your mortgage.
Compare Mortgage Rates is built around comparing mortgage costs beyond the headline rate. Product fees, term, loan-to-value and lender criteria can all change what is appropriate for a borrower.