UK mortgage rates comparison table
Compare UK mortgage products by lender, initial rate, monthly payment, fees, APRC, initial period, reversion rate and early repayment charge. The lowest rate or monthly payment is not always the most suitable option, as the right mortgage will depend on your personal circumstances, financial objectives, eligibility and the overall cost over the full term.
This tool provides general guidance only. It is not a mortgage application, offer, illustration or regulated advice under Financial Conduct Authority rules. Your actual rate, borrowing and monthly payment will depend on the lender's assessment of your individual circumstances.
Speak to a Nexpad adviser for regulated adviceBest-buy data is based on live market rates provided by mortgage-quote.me. Rates are indicative and subject to lender criteria.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
How to read a mortgage comparison table
The headline rate is only part of the story. A lower rate with a higher product fee may cost more over the initial deal period than a slightly higher rate with a lower fee, especially on smaller mortgage balances.
When comparing deals, consider the total cost over the initial deal period. This may include the monthly payment multiplied by the number of months in the initial period, plus product fees, valuation fees, legal fees and any other charges. You should also check the reversion rate, as this is the rate your mortgage may move to when the initial deal ends unless you remortgage or choose a new product.
Fixed, tracker or discount mortgage: which is right for you?
Fixed-rate mortgages give payment certainty for a set period, commonly 2, 3, 5 or 10 years. Tracker mortgages usually move in line with the Bank of England base rate, so your payments can go up or down. Discount mortgages usually track the lender's Standard Variable Rate at a set discount, so they can also change.
The right choice depends on your need for payment certainty, your attitude to rate changes, how long you expect to keep the mortgage, your future plans and the overall cost of the product.
Frequently asked questions
Are these the best mortgage rates available in the UK today?
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The table shows a comparison of mortgage products from a broad lender panel using data provided by mortgage-quote.me. It may not include every product available in the UK market, and some private bank, specialist, direct-only or exclusive broker-only products may not appear. A Nexpad adviser can assess your circumstances and search for suitable options.
Can I get the advertised rate?
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Not always. Mortgage rates are subject to lender criteria and eligibility checks, including loan-to-value, income, affordability, credit history, property type and product availability. Before you proceed with a regulated mortgage, you will receive a personalised illustration setting out the key costs, features and risks of the product.
Is a lower rate always the cheapest deal?
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No. Product fees and other charges can make a lower-rate deal more expensive overall, particularly on smaller mortgages. It is important to compare the overall cost over the initial deal period, not just the headline rate or monthly payment.
How often is this table updated?
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The underlying product data is provided by mortgage-quote.me and is refreshed regularly. Lenders can withdraw or reprice products at short notice, so rates, fees and availability should always be confirmed before you apply.
Ready for a tailored recommendation?
Speak to a Nexpad adviser about your circumstances, deposit and plans. We access a comprehensive panel of lenders to help find a mortgage suited to you. There is no obligation and the initial conversation is free.
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