Is Compare Mortgage Rates mortgage advice?

Compare Mortgage Rates provides general information, calculators and adviser callback options. The website content is not personalised mortgage advice.

Are calculator results guaranteed?

No. Calculator outputs are estimates only. Actual mortgage availability, rates, costs and repayments depend on lender criteria and your circumstances.

Can this page guarantee a mortgage approval?

No. Mortgage approval is never guaranteed and depends on lender assessment, affordability, credit history, property details and other checks.

Compare mortgage rates in the UK

Name: Compare Mortgage Rates UK
Brand: Compare Mortgage Rates
Availability: InStock

A lower headline rate is not always lower cost overall. Here’s how to compare properly — and how to discuss current options with a UK adviser.

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.

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Property price (£) Deposit (£) Mortgage term Compare rows

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Loan amount

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Feed example	Rate signal	Product fee	Monthly estimate	Initial-period cost	Note
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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 quote

What actually changes the rate you’re offered

Loan-to-value (LTV) — rates step up roughly every 5–10% of LTV.
Property type — flats, new builds, ex-LA and non-standard construction attract premium pricing or lower max LTV.
Income type — self-employed, contractor and Ltd director cases vary materially between lenders.
Credit history — clean files unlock the prime tier; specialist lenders price higher for adverse credit.
Fix length — 2 vs 5 vs 10-year fixes price differently depending on the swap-rate curve.
Fees — a low rate with a £999 fee can be more expensive than a fee-free option on smaller loans.

The total cost over the fix method

Compare deals by total cost across the fixed period: monthly payment × months in the fix + product fee. This can produce a different result from sorting by headline rate alone.

Why the calculator uses indicative data

Lender rates change daily and depend on factors specific to you. Compare Mortgage Rates uses daily feed examples to help you estimate and compare total-cost scenarios, then can introduce you to a mortgage adviser who can discuss options based on your circumstances.

For a structured view of what to compare, see our mortgage rates comparison table. It explains why a live quote is needed before relying on any rate.

The fastest way to compare real options

Request a callback if you want to speak with a mortgage adviser or broker partner. They can explain their service, any fees and the information they need before discussing available options.

Frequently asked questions

Why do you label rates as indicative? +

Lender pricing changes frequently and depends on your LTV, term, credit profile, employment type and property. Indicative data can help you compare the maths, but it should not be treated as an offer.

Are broker rates better than going direct? +

It depends on the lender, product and your circumstances. A broker can compare criteria and explain whether direct or broker-access products may be relevant before you decide what to do.

Should I fix for 2 or 5 years? +

The right initial period depends on your budget, plans and attitude to future rate changes. Shorter and longer fixed rates carry different costs and remortgage risks.

How often should I remortgage? +

Most UK borrowers remortgage every 2–5 years at the end of their fixed period to avoid the lender’s SVR.

Can I get the same rate as a deal advertised online? +

Possibly, but advertised deals can have strict criteria and may not be available for every borrower or property. Eligibility can only be checked after reviewing your details.

Browse mortgage calculators Compare repayment, borrowing and stamp duty estimates. Check your borrowing estimate Estimate a possible borrowing range from income and deposit assumptions. Estimate monthly repayments Model repayments using your own rate, term and deposit assumptions.

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.