Your perfect mortgage,
found in minutes.
- Compare rates from 70+ UK lenders
- Expert guidance from FCA regulated advisers
- 2-year fixed rates from 3.63%
- First-time buyer to buy-to-let — all covered
Tell us about your property and finances — we'll find the best mortgage deals for you.
Access to 70+ UK mortgage lenders including
+ many more
Today's best mortgage rates
Rates shown are for residential purchases at ≤60% LTV unless noted. Updated March 2026. Your rate will depend on your circumstances.
22-year fixed rates
55-year fixed rates
These are indicative rates from our lender panel. The rate you receive depends on your deposit, income, credit history and property. Get your personalised quote →
What kind of mortgage do you need?
First-time buyer
Step onto the property ladder with rates from 3.63%. Access Help to Buy, Shared Ownership and 95% LTV deals from high-street lenders.
- ✓ 5% deposit options available
- ✓ Government scheme access
- ✓ Specialist first-time buyer rates
- ✓ Step-by-step guidance
Remortgage
Switch to a better deal before your current rate expires. Save hundreds per month by moving to a lower rate — we'll check what's available.
- ✓ Switch before your deal ends
- ✓ No obligation comparison
- ✓ Cashback deals available
- ✓ Free valuation with many lenders
Moving home
Already own a home and looking to move? Port your existing mortgage or find a new deal that works for your next property.
- ✓ Port your existing deal
- ✓ Borrow additional funds
- ✓ Bridge the gap between properties
- ✓ Access to 70+ lenders
Buy to let
Finance your investment property with competitive BTL rates. Interest-only and repayment options from specialist and high-street lenders.
- ✓ Interest-only available
- ✓ Portfolio landlord options
- ✓ Ltd company purchases
- ✓ HMO & multi-unit
How it works
Tell us about you
Answer a few quick questions about your property, deposit and income. Takes under 5 minutes.
We search 70+ lenders
Our advisers search the whole market to find the best mortgage deals for your circumstances.
Get your mortgage
Choose your deal, and your dedicated adviser handles the application from start to finish.
Understanding mortgage types
Repayment mortgage
Monthly payments cover both the loan amount and interest. By the end of your term, the mortgage is fully paid off. The most common choice for residential buyers.
Interest-only mortgage
You only pay the interest each month, keeping payments lower. The full loan amount is due at the end of the term. You'll need a clear repayment strategy.
Fixed-rate mortgage
Your interest rate is locked in for a set period — usually 2 or 5 years. Gives you certainty on monthly costs, protecting you from rate rises.
Tracker mortgage
Your rate follows the Bank of England base rate plus a set margin. Payments can go up or down. Often cheaper initially, but less predictable.
A mortgage of £200,000 payable over 25 years initially on a fixed rate of 3.89% for 5 years, then reverting to the lender's standard variable rate of 6.99% for the remaining 20 years, would require 60 monthly payments of £1,046.29 followed by 240 monthly payments of £1,363.57. The total amount payable would be £390,034.20 (including a product fee of £999).
The overall cost for comparison is 4.1% APRC representative. The actual rate available will depend on your circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage.
Common questions
How much deposit do I need for a mortgage?
Most lenders require a minimum 5% deposit, though you'll get better rates with 10–25%. First-time buyers can access 95% LTV deals from many high-street lenders. The more deposit you put down, the lower your interest rate will typically be.
Should I get a fixed or variable rate mortgage?
A fixed rate gives you certainty — your monthly payment stays the same for the fixed period (usually 2 or 5 years). A variable or tracker rate can be cheaper initially but your payments may go up or down with the Bank of England base rate. Most borrowers choose fixed for budgeting peace of mind.
How much can I borrow?
Most lenders will offer 4–4.5 times your annual household income, though some specialist lenders go up to 5.5x for higher earners. Your borrowing capacity also depends on your outgoings, existing debts, and credit history.
Will checking my eligibility affect my credit score?
No. Our initial eligibility check is a soft search — it leaves no footprint on your credit file. A full credit search only happens when you formally apply with a lender, and we'll always tell you before that happens.
What fees should I expect?
Common fees include: arrangement/product fee (£0–£2,000, sometimes added to the loan), valuation fee (often free with lenders), solicitor/conveyancing fees (£800–£1,500), and potentially a broker fee. We'll always be transparent about costs before you proceed.
How long does a mortgage application take?
From initial enquiry to offer, a straightforward application typically takes 2–4 weeks. The full process including conveyancing and completion usually takes 8–12 weeks for purchases. Remortgages are often faster at 4–6 weeks.
Important: Information on this page is for guidance only and does not constitute financial advice. Your home may be repossessed if you do not keep up repayments on your mortgage. CleverCompare is an introducer appointed representative of Charles Frank Finance, which is authorised and regulated by the Financial Conduct Authority. 18+. Terms apply.