Mortgages

Thousands of mortgages compared and rated

Compare Mortgage Deals

House

Our mortgage calculator compares thousands of mortgages and remortgage products

 *
 *

Local Advice - its never been so important!

  • Speak to a qualified financial adviser near you
  • Save money - find the mortgage deal that's best for you

Ask the Expert

Louise Cuming, Head of Mortgages

Louise Cuming
Head of Mortgages

About Louise

'Hi, over 15,000 people research and arrange their mortgage requirements here every day'

Latest News

Latest Mortgage News

Mortgage Best Buys

Mortgage types explained

Our best buys supply the Daily & Sunday Times, Telegraph, Independent, Express, Mirror, Sun, What Mortgage & Your Mortgage

Remortgage

Scenario: £180k mortgage, min 40% deposit & sourced by complete cost. Results ordered by type & duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

Leek United BS

 3.39% September 2011 5.19% 5.2% APR 75%
Our opinion: FIXED – Leek United Building Society are offering an excellent short-term fixed product, the rate is 3.39% until September 2011. The fee is £1,495 and a 25% deposit is required. There will be an Early Repayment Charge payable until September 2011.

Market Harborough BS

 3.45% October 2011 5.49% 5.2% APR 75%
Our opinion: FIXED – This product will require a 25% deposit, and has an arrangement fee of £1594. The provider will refund the valuation fee up to a value of £550. There will be an Early Repayment Charge payable until October 2011.

Yorkshire BS

 3.99% September 2011 4.99% 4.9% APR 60%
Our opinion: FIXED – This 2 year fixed rate product has been released by Yorkshire Building Society with an arrangement fee of £295. There is a free legal service and free valuation for remortgages, and the provider is also offering to pay £500 cashback on completion. There will be an Early Repayment Charge payable until September 2011.

HSBC Bank

 3.79% 3 Years 3.94% 4% APR 60%
Our opinion: FIXED – This 3 year fixed mortgage from HSBC is part of their newly released Rate Matcher scheme. Customers can use an online calculator to find the best 2, 3 or 5 year fixed deal based on their personal circumstances. This particular mortgage will require a 40% deposit and has a £999 booking fee, however the cost of the booking fee payable will vary depending on the amount borrowed. There is an Early Repayment Charge payable for the length of the scheme period.

First Direct

 2.98% Term 2.98% 3.2% APR 75%
Our opinion: TRACKER - A very competitive term tracker product from First Direct. The arrangement fee is £1499 and you can borrow up to 75% of the property’s value. The product is capped so the rate will not go above 4.99% until August 2012. There is no Early Repayment Charge payable with this product.

Alliance & Leicester

0800 051 0677

 2.95% 2 Years 4.99% 4.8% APR 75%
Our opinion: TRACKER - This 2 year tracker product from Alliance & Leicester has a rate of 2.95%. A 25% deposit will be required and there is an arrangement fee of £499. The product is only available for loans between £25,000 and £250,000, and there will be an Early Repayment Charge payable until for the first 2 years of the mortgage.

The Co-operative Bank

 2.39% September 2012 4.24% 3.9% APR 75%
Our opinion: TRACKER - A 3 year tracker with an arrangement fee of £995. The product is fully flexible so you can apply to make over\under payments and to take payment holidays. There will be an Early Repayment Charge payable until September 2012.

Hanley Economic BS

 2.45% 2 years 4.74% 4.6% APR 70%
Our opinion: DISCOUNT – Hanley Economic Building Society have recently released this 2 year discount product. The arrangement fee is just £425 and the provider is offering a free legal service worth up to £250 for remortgages. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Marsden BS

 2.89% July 2011 5.49% 5.3% APR 60%
Our opinion: DISCOUNT – This 2 year discounted rate product is being offered by Marsden Building Society. There is an arrangement fee of £1098 and the product is available for loans over £20,000. There will be an Early Repayment Charge payable until July 2011.

Loughborough BS

 3.39% 2 Years 4.99% 5% APR 80%
Our opinion: DISCOUNT – Loughborough Building Society are currently offering this 2 year discounted mortgage with an arrangement fee of £449. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Fixed Rates

Scenario: £150k mortgage, min 40% deposit & sourced by complete cost. Results ordered by duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

HSBC Bank

 2.94% 2 Years 3.94% 3.9% APR 60%
Our opinion: FIXED – this 2 year fixed mortgage from HSBC is part of their newly released Rate Matcher scheme. Customers can use an online calculator to find the best 2, 3 or 5 year fixed deal based on their personal circumstances. This particular mortgage will require a 40% deposit and has a £1199 booking fee, however the cost of the booking fee payable will vary depending on the amount borrowed. There is an Early Repayment Charge payable for the length of the scheme period.

Market Harborough BS

 3.45% October 2011 5.49% 5.2% APR 75%
Our opinion: FIXED – Market Harborough Building Society have recently released this short term fixed product with a rate of 3.45%. The arrangement fee is £1594, and the provider will refund £550 upon completion to help with the cost of a basic valuation. There is an Early Repayment Charge payable until October 2011.

first direct

 3.49% 2 Years 3.69% 3.9% APR 75%
Our opinion: FIXED – first direct are currently offering a 2 year fixed product at 3.49%. The combined booking and arrangement fee is £1,498 and a 25% deposit is required. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Yorkshire BS

 3.99% September 2011 4.99% 5% APR 60%
Our opinion: FIXED – This short term fixed product is currently on offer from Yorkshire Building Society. The rate is 3.99% for 2 years and there is a very reasonable arrangement fee of £295. The provider is also offering £500 cashback on completion with this mortgage. There will be an Early Repayment Charge payable until September 2011.

Post Office

 4.45% July 2014 2.49% 3.4% APR 60%
Our opinion: FIXED – This 5 year fixed product is being offered by the Post Office with a rate of 4.45%. The arrangement fee is just £599 and the product is portable should you wish to move home during the term of the mortgage. There will be an Early Repayment Charge payable until July 2014.

The Co-operative Bank

 4.69% May 2014 4.24% 4.6% APR 60%
Our opinion: FIXED – This 5 year fixed product is currently available from The Co-operative Bank with a rate of 4.69%. A deposit of 40% will be required to secure this mortgage and there is an arrangement fee of £995. There will be an Early Repayment Charge payable until May 2014.

Royal Bank of Scotland

 4.89% August 2014 4% 4.6% APR 75%
Our opinion: FIXED – RBS are offering a 5 year fixed rate at 4.89%. The fee is only £299 and a 25% deposit is needed. There will be an Early Repayment Charge payable until August 2014.

Chelsea BS

 5.36% August 2019 5.79% 5.6% APR 65%
Our opinion: FIXED – Chelsea have released this long term fixed product, the rate is 5.36% for 10 years and it comes with a fee of £995. There will be an Early Repayment Charge payable until August 2019.

Principality BS

 5.39% July 2019 4.99% 5.5% APR 60%
Our opinion: FIXED – The Principality Building Society are currently offering this 10 year fixed rate product with a rate of 5.39%. The arrangement fee is £999 and a 40% deposit is required. There will be an Early Repayment Charge payable until July 2019.

Base Rate Trackers

Scenario: £150k mortgage, min 40% deposit & sourced by complete cost. Results ordered by duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

HSBC Bank

 2.74% Term 2.74% 2.9% APR 60%
Our opinion: TRACKER - A term tracker from HSBC with a great rate of 2.74%. The fee is £999 and you will need to have a deposit of at least 40%. There is no Early Repayment Charge payable with this product.

first direct

 2.98% Term 2.98% 3.2% APR 75%
Our opinion: TRACKER - A term tracker with a great rate of 2.98%. The arrangement fee is £1499 and a 25% deposit is required. This product is capped at 4.99% until August 2012. There is no Early Repayment Charge payable on this product.

Alliance & Leicester

0800 051 0677

 2.95% 2 Years 4.99% 4.8% APR 75%
Our opinion: TRACKER – Alliance & Leicester have released this new 2 year tracker product with a current rate of 2.95%. The arrangement fee is £499 and a 25% deposit is required. There will be an Early Repayment Charge payable for 2 years.

ING Direct

 2.99% 2 Years 3.5% 3.6% APR 75%
Our opinion: TRACKER – ING Direct are currently offering this 2 year tracker which is available up to 75% loan to value. It comes with an arrangement fee of £995, and overpayments of up to 10% may be made each year without penalty. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Principality BS

 3.19% July 2011 4.99% 4.9% APR 75%
Our opinion: TRACKER - A short term 2 year tracker which is available up to 75% of the property’s value. The product comes with a free valuation and there is an arrangement fee of £499. There will be an Early Repayment Charge payable until July 2011.

Mansfield BS

 3.25% Term 3.25% 3.3% APR 75%
Our opinion: TRACKER – This is a term tracker product with a rate of 3.25%. The arrangement fee is £250 and overpayments of up to 10% per year may be made without incurring a penalty. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

The Co-operative Bank

 2.39% September 2012 4.24% 3.9% APR 75%
Our opinion: TRACKER – This 3 year tracker from The Co-operative Bank has a very competitive rate of 2.39%. The arrangement fee is £995. There will be an Early Repayment Charge payable until September 2012.

Abbey

 3.29% 3 Years 4.24% 4.2% APR 75%
Our opinion: TRACKER – Abbey are currently offering this 3 year tracker product with a rate of 3.29%. A 25% deposit will be required to secure this rate and there is an arrangement fee of £995. There will be an Early Repayment Charge payable for the first 3 years of the mortgage.

90% Rates

Scenario: £100k mortgage, min 10% deposit & no HLC. Results sourced by complete cost and ordered by type & duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

Share To Buy

0845 686 0812

 4.29% Term 4.29% 4.4% APR 90%
Our opinion: DISCOUNT – This product from Share To Buy has a good loan to value ratio, with no arrangement or valuation fee payable. However this mortgage is for graduates or professionals only and there must be a minimum of two applicants. There is no Early Repayment Charge payable with this mortgage.

Furness BS

 4.94% 3 Years 5.44% 5.5% APR 90%
Our opinion: DISCOUNT – This product from Furness Building Society is specially designed for first time buyers. There is an arrangement fee of £699 and a 10% deposit will be required. There will be an Early Repayment Charge payable for the first 3 years of the mortgage.

Lloyds TSB

 4.99% October 2012 2.5% 3.5% APR 95%
Our opinion: FIXED – This is a new scheme from Lloyds TSB specifically aimed at first time buyers. The applicant will need a 5% deposit, along with the backing of someone who is willing to put their savings up as additional security for the mortgage. The helper will need savings equal to 20% of the property value, and this will allow the applicant to qualify for a rate normally reserved for people with a 25% deposit. The arrangement fee is £995 and there will be an Early Repayment Charge until October 2012.

HSBC Bank

 5.99% September 2011 3.94% 4.5% APR 90%
Our opinion: FIXED – this recently released mortgage product requires just a 10% deposit and has an arrangement fee of only £599. There will be an Early Repayment Charge payable until September 2011.

Britannia BS

 5.99% 2 Years 4.49% 5% APR 90%
Our opinion: FIXED – Britannia Building Society have recently released this 2 year fixed rate which requires just a 10% deposit. There is an arrangement fee of £599 and there will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Yorkshire Bank

 5.99% September 2011 4.59% 5.1% APR 90%
Our opinion: FIXED - A well priced 2 year fixed rate, with an arrangement fee of £999. The product allows you to borrow up to 90% of the property's value. There will be an Early Repayment Charge payable until September 2011.

NatWest

 5.99% August 2014 4% 5% APR 90%
Our opinion: FIXED – This well priced fixed rate from NatWest is specifically designed for First Time Buyers and is available up 90% loan to value. There is no arrangement fee payable and the product allows you to overpay by 10% of the outstanding balance each year without penalty. There will be an Early Repayment Charge payable until August 2014.

Leek United BS

 6.49% August 2014 5.19% 5.9% APR 90%
Our opinion: FIXED – This 5 year fixed rate product is currently on offer from Leek United Building Society. The arrangement fee is £495 and just a 10% deposit will be required. There will be an Early Repayment Charge payable until August 2014.

Royal Bank of Scotland

 6.59% August 2014 4% 5.3% APR 90%
Our opinion: FIXED – This long term fixed rate from RBS is available up 90% loan to value. The arrangement fee is £299 and the product allows you to overpay by 10% of the outstanding balance each year without penalty. There will be an Early Repayment Charge payable until August 2014.

Buy to Let

Scenario: £150k mortgage, min 30% deposit & sourced by complete cost. Results ordered by type & duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

NatWest

 5.69% August 2011 4.5% 4.7% APR 75%
Our opinion: FIXED - Natwest is offering a BTL product which has an arrangement fee of £1999 and a 75% maximum loan to value. The provider offers a free standard valuation and free legal work for re-mortgages. There will be an Early Repayment Charge payable until August 2011.

Lloyds TSB

 5.59% October 2012 2.5% 3.4% APR 75%
Our opinion: FIXED – This 3 year fixed rate product is available from Lloyds TSB with an arrangement fee of 2.5% of the amount borrowed. A 25% deposit is required and overpayments of up to 10% per year are allowed without penalty. There will be an Early Repayment Charge payable until October 2012.

Post Office

 5.99% July 2014 2.49% 4.1% APR 75%
Our opinion: FIXED – This a long term fixed rate product from the Post Office. The arrangement fee is just £599, and a 25% deposit will be required. There will be an Early Repayment Charge payable until July 2014.

BM Solutions

 4.7% 2 Years 3.5% 4.1% APR 75%
Our opinion: TRACKER – This new tracker product from BM Solutions will require a 25% deposit. The arrangement fee is 3.0% of the amount borrowed and the rental income must cover 125% of the mortgage payments. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Cheltenham & Gloucester

 4.79% October 2012 2.5% 3.2% APR 75%
Our opinion: TRACKER - This BTL product from Cheltenham & Gloucester is a short-term tracker rate. The arrangement fee is 2.5% of the amount borrowed and a 25% deposit is needed. The rental income must cover 120% of the mortgage payments. There will be an Early Repayment Charge payable until October 2012.

National Counties BS

 5.44% Term 5.44% 5.9% APR 60%
Our opinion: SVR – National Counties Building Society are currently offering this term product with a rate of 5.44%. The arrangement fee is £2,495 and you can borrow up to 70% of the property’s value. There is no Early Repayment Charge payable on this product.

Offset Rates

Scenario: £150k mortgage, min 40% deposit & sourced by complete cost. Results ordered by type & duration of ERC

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

first direct

 3.49% 2 years 3.69% 3.9% APR 75%
Our opinion: FIXED – first direct are offering a 2 year fixed product with an excellent rate of only 3.49%. The fee is £1498 and you will need a deposit of 25%. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Yorkshire BS

 4.09% September 2011 4.99% 5% APR 60%
Our opinion: FIXED – Yorkshire Building Society have recently released this 2 year fixed product. The arrangement fee is a reasonable £295 and there is a minimum loan amount of £25,001. There will be an Early Repayment Charge payable until September 2011.

Leeds BS

 5.4% June 2012 5.49% 5.7% APR 65%
Our opinion: FIXED – The Leeds are offering a 3 year offset product with a rate of 5.40% and a fee of £999. 10% capital repayments are allowed each year without penalty. There will be an Early Repayment Charge payable until June 2012.

Scottish Widows

 3.19% 2 Years 3.99% 3.9% APR 60%
Our opinion: TRACKER – A short-term tracker product is being offered by Scottish Widows. The rate is 3.19% for 2 years, the fee is £999 and a 40% deposit is needed. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Coventry BS

 3.38% September 2012 4.74% 4.4% APR 65%
Our opinion: TRACKER – Coventry Building Society are currently offering this offset tracker product with an interest rate of 3.38%. The arrangement fee is £999, and a 35% deposit will be required. There will be an Early Repayment Charge payable until September 2012.

Woolwich

0800 197 1059

 3.49% Term 3.49% 3.6% APR 60%
Our opinion: TRACKER – Woolwich are currently offering this term tracker product with a rate of 3.49%. The arrangement fee is £999 and a 40% deposit will be required. There will be an Early Repayment Charge payable until July 2012.

Marsden BS

 3.19% July 2012 5.49% 5.1% APR 60%
Our opinion: DISCOUNT – This 3 year discount product is currently on offer from Marsden Building Society. The arrangement fee is £1098 and there is a free basic valuation for properties worth up to £500,000. There is no Early Repayment Charge payable with this product.

The One Account

 3.75% Term 3.75% 3.8% APR 75%
Our opinion: VARIABLE – The One Account is offering a variable term product with a rate of 3.75%. The LTV is 75% and it comes with the added bonus of having no arrangement fees to pay. There is no Early Repayment Charge payable with this product.

Britannia BS

 3.99% Term 3.99% 4.2% APR 60%
Our opinion: VARIABLE – Britannia Building Society are currently offering this term offset product. The arrangement fee is £599, and a 40% deposit will be required. There will be an Early Repayment Charge payable for this first year of this mortgage.

Fees Free

Scenario: £150k loan, min 40% deposit & sourced by complete cost. Results ordered by type & duration of ERC. Legal & valuation fees may still apply

Lender Initial Rate Until Subsequent Rate Overall Cost for Comparison Max Loan To Value Proceed

Britannia BS

 4.39% 2 Years 4.49% 4.6% APR 60%
Our opinion: FIXED - This well-known provider is offering an excellent fee free product. The rate is 4.39% for 2 years, however a deposit of 40% is required to secure this rate. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

Abbey

 4.39% October 2011 4.24% 4.4% APR 75%
Our opinion: FIXED - Abbey are currently offering this 2 year fixed product with a rate of 4.39%. The maximum loan to value is 75% and there is no arrangement fee to pay. There will be an Early Repayment Charge payable until October 2011.

Alliance & Leicester

0800 051 0677

 4.39% September 2011 4.99% 5.1% APR 75%
Our opinion: FIXED - The Alliance & Leicester are offering a competitive 2 year fixed product. The rate is 4.39% until September 2011, and a 25% deposit is required. The provider offers a refund of the valuation fee. There will be an Early Repayment Charge payable until September 2011.

HSBC Bank

 3.59% Term 3.59% 3.7% APR 75%
Our opinion: TRACKER - HSBC are offering a term tracker which allows you to borrow up to 75% of the property’s value. There is no arrangement fee to pay and there is a free valuation available for remortgages. There is no Early Repayment Charge payable with this product.

Furness BS

 3.49% 2 Years 5.44% 5.3% APR 60%
Our opinion: TRACKER – This short-term tracker product is available from the Furness, the rate is 3.49% and a deposit of 40% is required. There will be an Early Repayment Charge payable for 2 years.

Scottish Widows Bank

 3.69% 2 Years 3.99% 4% APR 60%
Our opinion: TRACKER – Scottish Widows are currently offering this 2 year tracker product with a rate of 3.69%. It is available up to 60% of the property’s value and there is also the option set up an offset facility. There will be an Early Repayment Charge payable for the first 2 years of the mortgage.

The One Account

 3.75% Term 3.75% 3.8% APR 75%
Our opinion: VARIABLE – The One Account is a flexible mortgage which allows you to use your savings and current account to offset the balance of your mortgage. It gives you the freedom to manage your mortgage and savings as you see fit, including the ability to make over and underpayments. There is no Early Repayment Charge payable with this product.

Monmouthshire BS

 4.12% 3 Years 4.99% 4.9% APR 75%
Our opinion: DISCOUNT – Monmouthshire Building Society are currently offering this 3 year discounted product. There is no arrangement fee and it is available for loans of up to £400,000. There will be an Early Repayment Charge payable for the first 3 years of the mortgage.

Penrith BS

 4.15% Term 4.15% 4.26% APR 75%
Our opinion: SVR – Penrith BS is a smaller provider who are currently offering a rate of 4.15% on their standard variable rate. There are no arrangement fees or Early Repayment Charges payable for this product.

Compare Offset Mortgages

Potentially knock years off your mortgage by having an offset mortgage

Compare Now

Refused a Mortgage?

Seek expert advice from our own in-house team and trusted third party advisors who have access to mortgages specially designed for those who've experienced difficulty finding a mortgage.

Looking for an Overseas Mortgage?

Looking for an Overseas Mortgage?

Need advice on overseas mortgages? Have a professional advisor help you find an overseas mortgage product that best suits your circumstances.

The latest news and products with Rate Alert

    Mortgage Guide

    A mortgage is a sum of money borrowed from a bank, building society or other lenders in order to buy a property. The mortgage is then repaid over time, together with added interest. There are many different types of home loans – including fixed, discounted and even offset mortgages – which is why an apparently cheap mortgage deal may not always be best for your needs. Take a look at our guide to finding a cheap mortgage deal.

    Why use us for your Mortgage requirements?

    Whether you are a first-time buyer looking for a new mortgage or aiming to switch home loans at the end of a deal with an existing lender, you want to find the best option to meet your needs.

    That’s not always as easy as it seems: there are thousands of mortgages available at any one time, from various lenders. They cover just about every type of deal and cater for all sorts of different requirements.

    For example, a new homebuyer may want the security of a fixed rate mortgage and an existing borrower may just want a cheap remortgage deal – and those with bad credit will simply be looking for a specialised lender willing to give them a chance.

    All borrowers, regardless of personal status, want to be able to compare the best mortgages on the market and find out what might suit them. Which is where our mortgage comparison service can help. It covers the entire market – be it trackers, fee-free, flexible or self-certified loans – and, effectively acting as a mortgage calculator, can tell you within seconds what products might suit you best.

    To find the right deal, all you do is answer some simple questions. Our search tool will narrow down the field on your behalf, tell you what loans are available, how long the deals last for and their true cost.

    The service even tells you the monthly payments and how much interest you might pay, allowing you to decide if it is affordable or not. You can then apply, either online or by phone.

    Mortgage Advisors

    We have customers needing your advice now! You choose the territory – local, regional or national. For more information go to www.paaleads.com

    Insurance Products

    • Umbrella
      Compare over 100 insurance products to find the most competitive for your needs.
    • Envelope

      Payment Protection

      Compare over 40 payment protection plans.
    • House Alarm

      Home Insurance

      One search to compare cheap home insurance quotes from 60 leading insurance companies.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700.