Best mortgage rates today
The best mortgage rate for you depends on your deposit or equity, mortgage type, income, credit history, property and fees. This page helps you compare the factors that affect rates before requesting a live quote.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Daily data calculator
Compare indicative rates by total cost
Enter a property price and deposit to compare daily rate-feed examples by monthly payment and estimated cost over the initial period. This is not a mortgage offer or guidance.
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Feed source: daily indicative rate-feed examples. Content reviewed: 29 June 2026.
| Feed example | Rate signal | Product fee | Monthly estimate | Initial-period cost | Note |
|---|---|---|---|---|---|
| Loading rate-feed examples... | |||||
Estimates exclude valuation, legal, broker and exit fees unless shown. Availability, eligibility and final cost depend on lender criteria and your circumstances.
Get a personalised quoteMortgage rate comparison table
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.
How to compare mortgage rates today
Start by comparing the total cost of each mortgage over the initial deal period, not just the advertised rate. A product with a lower rate may cost more overall if the fee is high or if it does not fit your loan size.
Compare Mortgage Rates is an information and introduction service. We are not a lender and we provide general information only and do not make regulated mortgage recommendations on this website. If you request a callback, we may introduce you to a mortgage adviser or broker partner who can explain available options.
What can affect the rate you are offered?
- Loan-to-value, based on your deposit or equity
- Mortgage purpose, such as purchase, remortgage or buy-to-let
- Initial period, including 2-year, 5-year and tracker options
- Product fees, valuation fees, legal costs and cashback incentives
- Early repayment charges and overpayment rules
- Income, credit history, property type and lender criteria
Why a live quote matters
Mortgage pricing and lender criteria can change. A live quote can take account of your circumstances, the property and the lender's current criteria. It can also show whether a lower headline rate is still competitive after fees and incentives are included.
Frequently asked questions
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Helpful next pages
Rate comparison with context
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.