- Rate signal
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- Product fee
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- Monthly estimate
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- Initial-period cost
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Useful to compare when payment certainty over a longer initial period matters.
Compare Mortgage Rates
Compare the cost, not just the rate.
Change the rate, term and fees to see how a mortgage scenario adds up. Request an adviser callback when you want to discuss products for your circumstances.
- Rate
- What you pay in interest
- Fees
- What you pay to arrange it
- Term
- How long you repay
General information and estimates. This website does not provide regulated mortgage advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayment.
Monthly payment
£—
Total interest
£—
Loan-to-value
—%
Estimate only. Excludes lender fees, broker fees, valuation, insurance, and rate changes.
Get a personalised quoteIllustrative scenarios
Mortgage rate snapshot
This snapshot summarises the saved rate examples below. It does not track market movements. It is for general comparison only and is not a live lender quote, advice, or a guarantee that a product will be available.
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Average indicative rate
5.11%
10 saved illustrative rows
Lowest saved example
4.72% indicative
5-year fixed purchase
Tracker example
5.34% indicative
Variable tracker mortgage
Reviewed: 24 August 2026Source: Saved illustrative scenarios
Interactive rate comparison
Compare mortgage rates side by side
Choose two illustrative rate examples and edit the loan details to compare estimated monthly payments, product fees and initial-period costs.
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are for illustration only. They are not mortgage advice, a lender offer, or confirmation that any product will be available to you.
Example source: Saved illustrative scenarios. Content reviewed: 24 August 2026.
Estimated LTV
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- Rate signal
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- Product fee
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- Monthly estimate
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- Initial-period cost
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Eligibility can depend on the property, lender criteria and any energy-efficiency requirements.
Loan amount
£--
Monthly difference
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Initial-cost difference
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The lower estimate in this tool is not necessarily the better mortgage. Product features, eligibility, early repayment charges, incentives and advice suitability may change the comparison.
Request a callbackIllustrative rate examples
Mortgage rate examples
Compare illustrative mortgage rate examples by estimated monthly payment. These rows are indicative examples only, not live lender offers, mortgage advice or a guarantee that a product will be available to you.
Examples reviewed: 24 August 2026
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
Table view
10 examples
| Provider type | Mortgage type | LTV basis | Rate information | Fee information | Estimated monthly payment | Initial-period estimate | Next step |
|---|---|---|---|---|---|---|---|
| Building society example | 5-year fixed purchase | 75% LTV | 4.72% indicative | £0 product fee example | £1,421 | £85,259 | Discuss this option |
| Green mortgage example | 5-year fixed purchase | 80% LTV | 4.86% indicative | £999 product fee example | £1,441 | £87,468 | Discuss this option |
| High-street lender example | 2-year fixed purchase | 60% LTV | 4.89% indicative | £999 product fee example | £1,445 | £35,691 | Discuss this option |
| Remortgage product example | 2-year fixed remortgage | Based on current equity | 4.94% indicative | £999 product fee example | £1,453 | £35,865 | Discuss this option |
| Fee-assisted remortgage example | 5-year fixed remortgage | Based on current equity | 4.99% indicative | £0 product fee example | £1,460 | £87,601 | Discuss this option |
| Offset mortgage example | 5-year fixed offset | 75% LTV | 5.09% indicative | £999 product fee example | £1,475 | £89,476 | Discuss this option |
| Buy-to-let lender example | 5-year fixed buy-to-let | 75% LTV | 5.18% indicative | £1,995 product fee example | £1,488 | £91,264 | Discuss this option |
| Tracker product example | Variable tracker mortgage | Lender criteria vary | 5.34% indicative | £1,499 product fee example | £1,511 | £37,773 | Discuss this option |
| Low-deposit lender example | 2-year fixed purchase | 90% LTV | 5.42% indicative | £0 product fee example | £1,523 | £36,559 | Discuss this option |
| Specialist lender example | 2-year fixed remortgage | Lender criteria vary | 5.67% indicative | £1,499 product fee example | £1,561 | £38,956 | Discuss this option |
The lowest headline rate is not always the lowest total cost. Product fees, incentives, early repayment charges, loan size and fixed-period length can change the comparison. Read how we compare routes and limitations.
Monthly and initial-period estimates are illustrative and exclude valuation, legal, broker and exit fees unless shown. A mortgage adviser or broker partner can discuss your circumstances before you decide whether to proceed. Example source: Saved illustrative scenarios.
Rate, fee and term all matter.
All calculators →Mortgage Repayment Calculator
Compare payment examples using different rates, deposits and terms.
Calculate repaymentsHow Much Can I Borrow?
Estimate a borrowing range before comparing products by loan-to-value.
Estimate borrowingRemortgage Calculator
Compare your current payment with possible new-rate scenarios.
Check remortgage optionsBuy-to-Let Yield Calculator
Compare rental yield assumptions alongside possible mortgage costs.
Calculate rental yieldMortgage Overpayment Calculator
See how overpayments could shorten your term and save interest.
Estimate overpayment savingsSelf-Employed Mortgage Calculator
Borrowing estimate for sole traders, contractors and Ltd directors.
Speak to a brokerMortgage help by city
Use local mortgage pages for estimate-only calculators, property considerations and adviser callback information.
Greater ManchesterMortgages in ManchesterEstimate costs and review general mortgage considerations for Manchester.West MidlandsMortgages in BirminghamEstimate costs and review general mortgage considerations for Birmingham.West YorkshireMortgages in LeedsEstimate costs and review general mortgage considerations for Leeds.Central ScotlandMortgages in GlasgowEstimate costs and review general mortgage considerations for Glasgow.South WestMortgages in BristolEstimate costs and review general mortgage considerations for Bristol.
Mortgage guides by borrower type
Mortgage options can depend on your income, deposit, credit history, property type, and whether you are buying, remortgaging, or investing.
First-Time Buyer Mortgages
Deposit, affordability, schemes and documents explained.
Remortgage
When your fixed deal ends, how to compare, and what to consider.
Self-Employed Mortgages
Sole trader, contractor and Ltd director income assessments.
Buy-to-Let Mortgages
Landlord lending criteria, rental cover, and SPV options.
Bad Credit Mortgage Options
Defaults, CCJs, IVAs and how specialist lenders assess applications.
Contractor Mortgages
Day-rate income, gross annualised contracts, and lender approach.
Ltd Company Director Mortgages
Salary + dividends, retained profit, and how lenders interpret income.
Over-50s Mortgages
Lending into retirement, RIO and later-life mortgage options.
Joint Borrower Sole Proprietor
Parents or family can boost your borrowing without going on the deeds.
Shared Ownership Mortgages
Buy a share, pay rent on the rest, and check the starting share and terms with the provider.
Help to Buy & Government Schemes
An overview of selected home-buying schemes and where to check current eligibility.
How Compare Mortgage Rates works
Use an estimate to prepare, then decide whether to request an adviser callback.
1. Use a calculator
Start with an estimate so you understand the numbers before submitting details.
2. Read the right guide
Learn what lenders may look at for your situation.
3. Request a callback
Complete a short enquiry if you want to speak with a mortgage adviser or broker partner.
4. Discuss your options
A broker or adviser partner may contact you to explain what could be available based on your circumstances.
Related mortgage resources in our network
These related sites provide general mortgage information and calculators for different research needs. They do not replace advice based on your circumstances.
People also ask
Can I compare mortgage rates online?+
You can compare example payments and costs online, but actual product availability, rates and fees depend on lender criteria and your circumstances.
Are calculator results guaranteed?+
No. Calculator results are estimates only. Actual repayments, rates, fees, eligibility, and products depend on your circumstances and lender criteria.
Do you provide mortgage guidance?+
No. This website provides general information and may introduce you to a mortgage broker or adviser partner. It provides general information only and does not make regulated mortgage recommendations on the website.
Is the enquiry free?+
Using the website enquiry form is free. Broker or adviser partners may charge fees for their own service. Any fees will be explained before you proceed.
Are you a lender?+
No. We are not a lender. If you request a callback, you may be introduced to a broker or adviser partner.
How long does a mortgage application take?+
Most UK mortgage applications take 2–6 weeks from application to offer, depending on the lender, your documents, and any property valuation issues. Specialist or self-employed cases can take longer.
Will using the calculator affect my credit score?+
No. Using a calculator on this website does not perform any credit search. A credit search only happens later if you formally apply with a lender and consent to it.
Why compare more than the headline rate?+
Product fees, incentives, term, early repayment charges and loan-to-value can affect total cost. A lower headline rate is not always the better option for every borrower.
Independent mortgage information
Read guidance and check adviser authorisation. These links do not imply endorsement of this website.
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Talk to an adviserYour home may be repossessed if you do not keep up repayments on your mortgage.
Rate comparison with context
Compare Mortgage Rates is built around comparing mortgage costs beyond the headline rate. Product fees, term, loan-to-value and lender criteria can all change what is appropriate for a borrower.