Mortgages. Compare top home loan prices. Find the mortgage that is right you.

Mortgages. Compare top home loan prices. Find the mortgage that is right you.

Select your home loan


Conserve money once you switch your mortgage. Learn how swapping up to a various cope with your current loan provider, or going to a different loan provider, can lessen your repayments.

First-time customer

All you need to find out about the most effective discounts for first-time buyers, including incentives like cashback, low costs, or even a contribution towards legal costs.

Home purchase

Learn how a property purchase home loan will allow you to go on to an innovative new house and view the way you could easily get a great price by switching up to a deal that is new.


Develop into a landlord and get a residential property you can easily book by having a buy-to-let home loan – or find out about remortgaging a preexisting leasing house.

Exactly exactly What influences your eligibility for a home loan?

It’s good to own a knowledge of this selection of facets which may impact whether your home loan will be authorized.

Remortgage eligibility

Us, you’ll be asked six short questions so we can show the deals most relevant to you when you compare remortgage deals with. You can even decide to respond to one more group of concerns you won’t be eligible for so we can remove those mortgages.

Eligibility for home financing

Your eligibility for a home loan is determined by your individual profile and credit score, the house, and also the lender’s very own criteria. Each loan provider will have a look at just how much it believes you’ll pay for before carefully deciding exactly how much to allow you borrow.

Compare mortgages from over 90 lenders, within the entire of this market

Home loan repayment and overpayment calculators

Our home loan calculator will allow you to get an improved concept of simply how much you really can afford to borrow, and simply how much your mortgage shall set you back in month-to-month repayments. You’ll additionally be in a position to start to see the cost that is total of mortgage after the interest happens to be added.

You could save in interest payments if you want to see how your existing mortgage repayments would be affected by a one-off lump sum payment or increased monthly repayments, our overpayment calculator shows how much. Just be sure to read through your lender’s payment terms to check on if overpayments are permitted.

If you’re interested in finding out of the normal minimum deposit necessary for a home loan over the UK, visit our home loan deposit deficit guide.

Fixed price mortgages

Fixed price mortgages are interested price that remains exactly the same for a group period. This may be any such thing from two to ten years. Your repayments are exactly the same every and you don’t need to fear fluctuations in interest rates month. Most will ask you for a penalty – referred to as an early on payment cost (ERC) – if you opt to keep the offer prior to the end for the fixed term.

Adjustable price mortgages

Interest levels adjust occasionally with a adjustable price home loan, this means repayments may alter through the loan term. Frequently, the attention price alterations in reference to another price – the financial institution of England’s base price is extremely influential on adjustable interest levels, as it is the bottom price of every loan provider.

For standard adjustable price (SVR) mortgages, each loan provider comes with an SVR they like that they can move when. In fact, this has a tendency to approximately proceed with the Bank of England’s base price motions. SVRs may be such a thing from two to five portion points over the base rate – or higher – in addition they may differ massively between loan providers.

Reduced variable rate home loan

One other types of adjustable home loan is a price reduction home loan. In place of being from the Bank of England base price, discounts are from the loan provider’s standard adjustable price (SVR). For instance, if the SVR is 4.50% with a price reduction of just one%, the payable home loan price is 3.50%. The pay rate would rise to 4.50% if the SVR rose to 5.50percent.

The situation with discounts is the fact that SVR changes are in the lending company’s discernment which means that your home loan repayments could alter no matter if there’s been no alteration when you look at the Bank of England base price. In addition, just because the SVR modifications after a move into the base price, there is absolutely no guarantee so it will increase or decrease by the exact same quantity.

As a total outcome, trackers usually are regarded as more transparent than reduced deals and generally are usually regarded as being fairer for the debtor.

As soon as the base price fell from 5.00% to 0.50per cent between October 2008 and March 2009, for instance, Lloyds TSB had been truly the only top 20 loan provider to cut back its SVR by the complete 4.50%. Most of the other people cut their prices by less.

As soon as the Bank of England raised the bottom price from 0.25per cent to 0.5per cent in November 2017, anybody who wasn’t on a rate that is fixed is at danger of seeing their repayments enhance. Lots of leading mortgage brokers then followed and increased their tracker and/or SVR prices a later month.