Why compare mortgage rates?
- Mortgage rates vary hugely depending on your deposit size, the length of your deal, whether you choose a fixed or variable rate deal, and the lender’s criteria.
- A small difference in mortgage rates could add £100s or even £1,000s to your mortgage payments each year.
- It’s not just the rate you should look at, mortgage fees like arrangement fees affect the overall cost.
Simply enter the following:
- House price & mortgage amount: Our compare mortgage rates calculator shows you the rates you could access today by calculating your loan-to-value (LTV) ratio.
- Buying vs remortgaging: Mortgage products range and pricing differ if you’re already a homeowner looking to remortgage compared with buying a house.
- Property type: owner-occupier or Buy to Let: Different deals apply depending on whether you’re getting a mortgage on your home or renting it out.
- Type of mortgage: Fixed rate mortgages give you certainty: the rate you pay on variable deals like tracker mortgages may reduce over time (but could increase).
- Initial deal length (2, 3, 5 years or longer): How long the introductory rate runs for.
- Overall mortgage term (for example 25, 30 or 35 years): This will directly influence your monthly payments and total interest cost.
Once you’ve entered your details, our tool instantly shows you the best available mortgage rates in the UK today, tailored to your circumstances – rates you can compare side-by-side, along with fees and deal features.
When you’re checking mortgage rates today and comparing options across the UK market, our tool makes it easy.
How our compare mortgage rates page works
At HomeOwners Alliance, our compare mortgage rates table is powered by fee-free mortgage brokers L&C .
This information does not constitute financial advice, always do your own research to ensure it’s right for your specific circumstances.
HomeOwners Alliance Ltd is registered in England, company number 07861605. Information provided on HomeOwners Alliance is not intended as a recommendation or financial advice. Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ, authorised and regulated by the Financial Conduct Authority (FRN: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage. If you complete on a mortgage through L&C, L&C will be paid a commission by the chosen lender. L&C will share a percentage of this commission with HomeOwners Alliance, the referring third party. The commission L&C receives doesn’t affect the product or rate recommended to you.
