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Remortgage

When you remortgage, you effectively change the mortgage on your property. Often you will save money by changing your mortgage supplier or switching to a different mortgage deal with your current supplier.

Home purchase

Home purchase mortgages are for homeowners who already have a mortgage but are now looking to move to a new home. You may find a brilliant rate by switching to a new deal.

First time buyer

Many mortgage providers have exclusive deals for first time buyers often this includes incentives such as low fees, contribution towards legal costs and even cashback.

Buy-to-let

But-to-let mortgages are applicable to those who wish to rent out their property and those wishing to remortgage a property that is already receiving a rental income.

Help to Buy

The Help to Buy scheme is backed by the government to aid first-time buyers who struggle to save a deposit and home owners who have limited equity in their home.

Free Mortgage Advice Anyone?

You can get free mortgage advice and information on all the deals available in the whole market from our dedicated mortgage partners. You can speak to a mortgage expert, 7 days a week on 0800 880 7656.

Guides Of Mortgages

  1. First Time Buyers Home

    All you need to know about buying your first house

    Read More
  2. Commercial Mortgages

    Mortgages for commercial properties

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  3. Interest Only Mortgages

    Interest Only Mortgages – Pros and Cons

    Read More
  4. Residential Mortgages

    Residential Mortgages – Everything You Need to Know

    Read More
  5. Help To Buy Explained

    Find out about the Help to Buy scheme

    Read More
  6. 95% Mortgages

    A look at 95% mortgages

    Read More

Mortgage Advice

Speak to an FCA registered independent advisor who will talk you through the whole market, explaining which are the best deals for your circumstances

Mortgage Frequently asked questions

A mortgage is a type of a loan which is used to buy a property. The amount you borrow is secured against the value of the property.

There are 2 types of repayments:

  • 1 Repayment - the monthly payment’s includes capital repayment along with monthly interest. The mortgage balance will be zero at the end of the agreed term.
  • 2 Interest only –the monthly payments only cover the interest every moth without reducing the actual loan you borrowed. At the end of the agreed term, the mortgage will still be the original amount borrowed.

  • 1 Remortgage – remortgaging means you switch your current mortgages to a new mortgage deal on a same property. You can remortgage your existing property with the same lander or a different home loan provider. The reason for doing this is to reduce or increase the length of the mortgage, to borrow more money, to reduce the interest rate or to agree a new fixed term payment period.
  • 2 First time buyer mortgage – means you are buying a residential property for the first time and you have never owned a property before.
  • 3 Moving home mortgage – If you are moving property, you can take your existing mortgage which is known as ‘porting’. It is important to check with mortgage lender, if your current mortgage is portable or you may want a new mortgage for the property.
  • 4 Buy to let mortgage – A BTL (buy-to-let) mortgage is a secured property loan which is available to people who wants buy the property and rent it out to tenants. Usually you are required to put up larger deposit for buy to let mortgage and interest rates are higher compared to residential mortgages.

The amount you can borrow is based on a number of factors including the LTV (loan to value) of the property, your income, credit score, current commitments and outgoings and how much deposit you can afford to put forward.

It depends on the property price, some lenders offer mortgages with a 5% deposit. If you can afford 15% or more deposit, it should help reduce mortgage interest rates.

It is important that the building is insured. Mortgage payment protection and life insurance are also recommended.

You should consider followings:

  • 1. Property valuation fees
  • 2. Solicitor and other legal fees – It will vary depending on your solicitor and you should agree a price before agreeing to get them do all legal paper work required.
  • 3. Stamp Duty - also known as land tax (SDLT)
  • 4. A mortgage lender fee – usually added to mortgage amount and averages about £999. It is recommended that you pay this upfront, otherwise the fee is added to the mortgage and the same interest will be charged which will significantly increase the price
  • 5. Mortgage broker fees – It will depend on individual broker but it can start from 0 to 2% of the loan amount.

Yes, usually you are allowed to make extra payment up to 10% of the balance annually without being penalised.