Compare Mortgage Deals | Best Mortgage Rates in the UK
Compare, filter, and sort the latest mortgage interest rates from over 90 lenders at a glance, including exclusive L&C deals. Receive our deal of the week directly to your inbox.
Understanding Mortgage Comparisons
Comparing mortgages can be challenging. Some deals appear attractive due to low initial rates, but it is crucial to also consider any associated fees. We recommend using the annual cost as the best way to determine which mortgage deal offers the greatest value for your desired loan amount.
How We Calculate Annual Cost
By comparing mortgage deals based on annual cost, you can identify the cheapest option for you, factoring in both fees and interest rates. The annual cost applies only to the initial deal, as it's advisable to reevaluate and consider switching lenders once the initial offer expires to potentially save more money.
Factors Influencing Loan Amount
The amount you can borrow depends on various factors, including:
- Who is lending the money
- The type of mortgage
- Lender-specific criteria
Matching Borrowers with Lenders
One of the key factors in determining borrowing capacity is the lender. Each lender has unique criteria. As brokers who successfully placed mortgages with 59 different lenders last year, we are well-equipped to match you with the lender that best fits your borrowing needs.
Sometimes it can be possible to borrow more than the calculator on our website shows you and that's where our expertise comes in.
Expert guidance can help you explore borrowing options beyond standard calculator estimates.
Summary: Expert mortgage comparison considers annual costs beyond just interest rates and fees, helping borrowers find the best lender match and uncover higher borrowing potential.