Compare mortgage rates in the UK
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.
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.
| 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, 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.
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 |
| 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.
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? +
Are broker rates better than going direct? +
Should I fix for 2 or 5 years? +
How often should I remortgage? +
Can I get the same rate as a deal advertised online? +
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.