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. Use the sample rate table to compare indicative examples, fees and estimated payments before requesting a live quote from a mortgage adviser or broker partner.

View sample rates Compare by product type Request a callback

Important: Your home may be repossessed if you do not keep up repayments on your mortgage.

Weekly data calculator

Compare indicative rates by total cost

Enter a property price and deposit to compare weekly 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: weekly indicative rate-feed examples. Content reviewed: 13 July 2026.

Share on LinkedIn Share on X

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

Estimated LTV

--%

Loan amount

£--

Rows matched

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 quote

Updated rate-feed examples

Mortgage rate comparison table

Edit the loan amount, term and mortgage type to compare up to ten indicative rate-feed examples by estimated monthly payment. These are not live lender offers, mortgage guidance or a guarantee that a product will be available to you.

Weekly content review: 13 July 2026

Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Compare rate factors Request a callback

Loan amount (£) Mortgage term Mortgage type

Table view

Top 10 examples

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
Green mortgage example	5-year fixed purchase	80% LTV	4.86% indicative	£999 product fee example	£1,441	£87,468	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
Fee-assisted remortgage example	5-year fixed remortgage	Based on current equity	4.99% indicative	£0 product fee example	£1,460	£87,601	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
Buy-to-let lender example	5-year fixed buy-to-let	75% LTV	5.18% indicative	£1,995 product fee example	£1,488	£91,264	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
Low-deposit lender example	2-year fixed purchase	90% LTV	5.42% indicative	£0 product fee example	£1,523	£36,559	Discuss this option
Specialist lender example	2-year fixed remortgage	Lender criteria vary	5.67% indicative	£1,499 product fee example	£1,561	£38,956	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. Feed source: weekly indicative rate-feed examples.

Scenario comparison tables

Compare mortgage rates by product type

Use these tables to compare indicative rate-feed examples by fixed period, LTV, product fee and borrower situation. They are general information only and are not mortgage advice.

Request a callback

Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Fixed-rate mortgage examples

Compare the initial period, fee and LTV basis together. A lower indicative rate can still cost more overall once fees and loan size are included.

Example product	LTV basis	Rate and fee example	Initial period	Main comparison point	Important note
2-year fixed purchase	60% LTV	4.89% indicative; £999 product fee example	2-year initial period	Compare shorter payment certainty against remortgage timing and any early repayment charge.	Suitable products depend on deposit, affordability, credit history and property criteria.
5-year fixed purchase	75% LTV	4.72% indicative; £0 product fee example	5-year initial period	Compare longer payment certainty against product fee, flexibility and plans to move.	Longer initial periods may not suit borrowers who expect to change mortgage or property sooner.
2-year fixed purchase	90% LTV	5.42% indicative; £0 product fee example	2-year initial period	Compare monthly payment, fee and total initial-period cost for a smaller deposit.	Higher LTV lending can have tighter criteria and fewer available products.
5-year fixed purchase	80% LTV	4.86% indicative; £999 product fee example	5-year initial period	Compare any product features with the normal rate, fee and eligibility checks.	Energy-efficiency criteria and property evidence can vary by lender.

Remortgage rate examples

A remortgage comparison should include your current deal end date, any early repayment charge and whether fees or incentives are included.

Example product	LTV basis	Rate and fee example	Initial period	Main comparison point	Important note
2-year fixed remortgage	Based on current equity	4.94% indicative; £999 product fee example	2-year initial period	Compare total cost over the initial period with the timing of your existing deal.	Leaving a current deal early may involve costs that change the comparison.
5-year fixed remortgage	Based on current equity	4.99% indicative; £0 product fee example	5-year initial period	Compare fee-assisted options against lower-rate fee-charging options.	Legal, valuation or cashback incentives may have conditions.
2-year fixed remortgage	Lender criteria vary	5.67% indicative; £1,499 product fee example	2-year initial period	Compare specialist criteria, documents needed, rate and fee together.	Specialist pricing can be higher and depends on the exact circumstances.

Variable and offset examples

Variable, tracker and offset mortgages can behave differently from fixed-rate products. Payment changes and linked savings should be considered before deciding what to do.

Example product	LTV basis	Rate and fee example	Initial period	Main comparison point	Important note
Variable tracker mortgage	Lender criteria vary	5.34% indicative; £1,499 product fee example	2-year initial period	Compare the tracker margin, benchmark, fee and whether payments could rise.	A tracker payment can increase if the tracked rate rises.
5-year fixed offset	75% LTV	5.09% indicative; £999 product fee example	5-year initial period	Compare the mortgage cost with how much linked savings may reduce interest.	Offset benefits depend on savings balances and the lender calculation method.

Buy-to-let rate example

Buy-to-let pricing is usually assessed differently from residential borrowing. Rental stress tests, deposit, tax position and ownership structure can all affect the outcome.

Example product	LTV basis	Rate and fee example	Initial period	Main comparison point	Important note
5-year fixed buy-to-let	75% LTV	5.18% indicative; £1,995 product fee example	5-year initial period	Compare rate, fee, rental cover and stress testing together.	Buy-to-let is not suitable for every landlord and tax treatment should be checked separately.

Rate-feed examples last reviewed on 13 July 2026. Feed source: weekly indicative rate-feed examples.

Actual products, rates, fees and eligibility depend on your circumstances, the property and lender criteria.

A mortgage adviser or broker partner can explain their service and any fees before discussing options with you.

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.

The sample rates on this page are illustrative only. They are not live lender offers, mortgage advice or a guarantee that a particular rate or product will be available.

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.

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.