Compare Mortgage Rates - Mortgage Selection

Choose from the mortgage tables below comparing all available mortgage rates. For a more concise list, look at the Top Ten Mortgage Rates. Not sure what is best? Try the Mortgage Wizard to search for mortgage to suit you, or the Rate Beater can show you what you could save if you want to remortgage.

Confused by mortgages? The Glossary might help. Want to speak to a qualified advisor? Use the contact form and an advisor will call you back at your preferred time.

The table below will list for you all currently available mortgage offers and their rates that we have been informed of. If you are not sure which type of mortgage is best for you or need any help at all, please use our Mortgage Enquiry form. It's quick to complete, your details are safe and the service is free and without any obligation.

Product	Description
Fixed Rates	The mortgage interest rate payable will not change for the agreed period of the mortgage / remortgage.	Go
Discounted Rates	Mortgages lower than the standard mortgage rate for an agreed period.	Go
Remortgage	A mortgage taken out on your existing property	Go
Flexible	A mortgage that allows you to make overpayments in order to repay the mortgage early or reduce interest payments.	Go
First Time Buyer	Offers aimed at buyers new to the houseing market.	Go
Buy To Let	Mortgages aimed at those buying a property to rent rather than live in.	Go
Capped Rates	The interest ratte applied on the mortgage will not exceed a certain rate during the agreed period.	Go
100% Mortgages	Mortgages and remortgages up to the full value of your property.	Go
High Income Multipliers		Go
Cashback Mortgages	An incentive by the lender paid upon completion of the mortgage.	Go
Libor Rate	Mortgage / remortgage charged at a given margin over the Interbank rate.	Go
CCJs Allowed	Lenders that will offer mortgages to borrowers who have a limited number of previous CCJs.	Go
Standard Variable Rates	The bank's standard mortgage rate that generally move in line with Bank Of England base rate changes.	Go
Current Account	A mortgage that allows over and under payments, payment holidays and charges interest on a daily basis	Go
Expatriate	Mortgages suitable for those who have moved out of the UK but still wish to purchase property here.	Go
Self Employed	Mortgage offers intended for the self employed, with accounts or self certification of earnings.	Go
Arrears Allowed	Those lenders who will still offer mortgages to people who have previously missed or made late mortgage payments.	Go
CAT	A system whereby if a mortgage product conforms to rules set out by The Government it can use a CAT mark.	Go
Base Rate Trackers	A mortgage rate that exactly follows the base rate plus a margin	Go

Need help? Have a qualified mortgage advisor speak to you.

Fixed Rate Mortgage

With fixed rate mortgages, for an agreed time period your interest rate will be fixed regardless of base rate changes. This is usually below the bank's standard rate, so there is an incentive to save money. But if interest rates fall you are left paying a higher amount. Your lender might also tie you into their variable rate for a period after the offer ends.

Discounted Rate Mortgages

With discounted mortgages you have agreed a reduction in the interest rate for a set period of time. As the bank's mortgage rate changes, the rate you are paying changes, but as well as suffering when interest rates climb you also gain when they drop.

Capped Rate Mortgages

With capped rate mortgages your mortgage will follow changes to mortgage rates, but there is a maximum rate that you will be charged at. If interest rates exceed this limit, you win by not being punished with higher charges. This means that if interest rates rise a lot, you will gain through having a cheap loan, but if they drop then you are paying just the standard rate.

Standard Rate Mortgages

These are the basic mortgage that the bank will offer that is charged at it's standard rate. You might be moved over to a standard rate mortgage for the remainder of a lock in period.

Current Account Mortgages / Offset Mortgages

With these mortgages, which can involve any of the above rates, you manage the mortgage like you would a current account. Exactly how these work depend on the lender. Sometimes your current account, savings account and mortgage are combined into one account and the interest is calculated on the balance. With other lenders the accounts will be separate, but again the interest is calculated on the total balance. If you have significant savings, this may reduce the amount you pay to your lender in the long term.