Mortgage Calculator - Mortgage Comparison | moneyfacts.co.uk
 

Mortgage Comparison

How to use our mortgage comparison tool...

Our comprehensive mortgage comparison tool not only shows you your estimated monthly repayments, interest and product fees, we are also able to filter down all mortgages on the market that match your search criteria. This a completely transparent mortgage comparison tool. 

Your tailored repayment details will be displayed underneath each product in your search results.

  • £
  • £ 60% LTV
  • yrs

Refine your search

Searching all 5212 mortgages, the following best match your search criteria and are displayed in order of lowest initial rate.

Your Mortgage Search

Compare
Up to 3 products
side by side
Rate APRC Mortgage Type Product Fees Initial Monthly Payment Total Amount Repayable Apply Today

0.89% reverting to 4.74% 4.1% Discounted Variable to 30/11/2019 £1,495 £557.87 £241,866 Details...
Speak to an Adviser
Representative Example: 28 monthly payments of £557.87 and 272 monthly payments of £824.91. Total interest of £89,996, valuation fees of £235 and product fees of £1495.

0.97% reverting to 4.24% 3.9% Discounted Variable to 2 Years £1,499 £563.27 £233,855 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £563.27 and 276 monthly payments of £790.97. Total interest of £81,826, valuation fees of £330 and product fees of £1499.

0.98% reverting to 3.89% 3.5% Variable to 30/09/2019 £1,495 £563.95 £225,685 Details...
Speak to an Adviser
Representative Example: 26 monthly payments of £563.95 at a tracker rate of 0.98% and 274 monthly payments of £763.00. Total interest of £73,725, valuation fees of £325 and product fees of £1495.

0.99% reverting to 4.94% 4.4% Discounted Variable to 2 Years £1,900 £564.63 £248,993 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £564.63 and 276 monthly payments of £845.64. Total interest of £96,948, valuation fees of £0 and product fees of £1900.

0.99% reverting to 3.69% 3.3% Variable to 2 Years £999 £564.63 £221,701 Details...
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Representative Example: 24 monthly payments of £564.63 at a tracker rate of 0.99% and 276 monthly payments of £749.65. Total interest of £70,455, valuation fees of £197 and product fees of £999.

0.99% reverting to 3.69% 3.3% Variable to 2 Years £749 £564.63 £221,451 Details...
Go to Site
Representative Example: 24 monthly payments of £564.63 at a tracker rate of 0.99% and 276 monthly payments of £749.65. Total interest of £70,455, valuation fees of £197 and product fees of £749.

0.99% reverting to 3.69% 3.3% Variable to 2 Years £749 £564.63 £221,451 Details...
Go to Site
Representative Example: 24 monthly payments of £564.63 at a tracker rate of 0.99% and 276 monthly payments of £749.65. Total interest of £70,455, valuation fees of £197 and product fees of £749.

0.99% reverting to 4.74% 4.2% Fixed to 30/09/2019 £1,995 £564.63 £243,637 Details...
Speak to an Adviser
Representative Example: 26 monthly payments of £564.63 and 274 monthly payments of £827.83. Total interest of £91,506, valuation fees of £26 and product fees of £1995.

0.99% reverting to 4.74% 4.2% Fixed to 30/11/2019 £1,495 £564.63 £242,297 Details...
Speak to an Adviser
Representative Example: 28 monthly payments of £564.63 and 272 monthly payments of £825.80. Total interest of £90,427, valuation fees of £235 and product fees of £1495.

1.05% reverting to 4.74% 4.1% Discounted Variable to 30/11/2019 £995 £568.71 £242,056 Details...
Speak to an Adviser
Representative Example: 28 monthly payments of £568.71 and 272 monthly payments of £826.33. Total interest of £90,686, valuation fees of £235 and product fees of £995.

1.08% reverting to 4.74% 4.2% Fixed to 30/09/2019 £995 £570.76 £242,999 Details...
Speak to an Adviser
Representative Example: 26 monthly payments of £570.76 and 274 monthly payments of £828.57. Total interest of £91,868, valuation fees of £26 and product fees of £995.

1.09% reverting to 3.69% 3.3% Variable to 2 Years £749 £571.44 £221,804 Details...
Go to Site
Representative Example: 24 monthly payments of £571.44 at a tracker rate of 1.09% and 276 monthly payments of £750.34. Total interest of £70,808, valuation fees of £197 and product fees of £749.

1.09% reverting to 3.69% 3.4% Variable to 2 Years £999 £571.44 £222,054 Details...
Go to Site
Representative Example: 24 monthly payments of £571.44 at a tracker rate of 1.09% and 276 monthly payments of £750.34. Total interest of £70,808, valuation fees of £197 and product fees of £999.

1.09% reverting to 3.69% 3.3% Variable to 2 Years £749 £571.44 £221,804 Details...
Go to Site
Representative Example: 24 monthly payments of £571.44 at a tracker rate of 1.09% and 276 monthly payments of £750.34. Total interest of £70,808, valuation fees of £197 and product fees of £749.

1.09% reverting to 3.69% 3.4% Variable to 2 Years £999 £571.44 £222,054 Details...
Go to Site
Representative Example: 24 monthly payments of £571.44 at a tracker rate of 1.09% and 276 monthly payments of £750.34. Total interest of £70,808, valuation fees of £197 and product fees of £999.
Now showing 1 to 15 of 2368 results
Disclaimer:

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

 


Using our mortgage search to find the right mortgage deal for you

Mortgage comparison can be complicated. There are a lot of technical terms, and various payments and fees you need to weigh up and consider. We have have designed our mortgage best buy tables to make things a little easier. But they can't cater for everyone, and you might want to search for a mortgage across the whole of the market instead.

Our mortgage comparison tool allows you to compare all mortgage rates and lenders based on your own specific requirements. Our search will filter through every product on the market and show you as much details as possible about products that match your criteria.

If you would like further help and information about selecting a mortgage product - we can help. We have partnered with a team of expert and experienced mortgage advisers who are on hand to help with your decision. To talk to one call 0800 193 6644.


On this page:

  1. How to get the best results
  2. Terminology you need to know:
  3. Find mortgages by LTV


What you need to do to get the best results

Just complete a few details about:

  • The amount you want to borrow
  • How much the property you want to buy or remortgage is worth.
  • The type of mortgage you need

Firstly, we will display all products that may be available to you based on your criteria. Underneath each product listing you will see a representative example of the repayments and fees you would have to pay if you successfully applied for the mortgage. This example will include a break down of your mortgage payments, the total interest you will pay, and an estimate of the applicable fees.

We only ask for information needed to return the best search results possible.

We will displayed your mortgage comparison results showing those mortgages you can apply for at moneyfacts.co.uk first. To reorder the columns, click 'SORT' on your preferred column heading.You can also compare up to three mortgages beside one another to help you create a shortlist.

Get started now and enter your details to compare all mortgages.


Terminology you might need to know

What is a mortgage term?

The term of your mortgage is how long it will take you to repay the value of your mortgage, plus interest.

Mortgages are often taken out for long terms - around 20 to 30 years. The longer the term, the more you can spread out your mortgage costs. So for example, if your property is worth £100,000, paying over 20 years will have you to contributing £416.67 per month, plus interest, towards your mortgage. Increasing that to 30 years lowers your payment per month to £277.78, plus interest.

Your mortgage provider will charge interest on your mortgage. Often this rate is higher if your have a longer mortgage term (30-40 years), than if you have a shorter mortgage term (20-29 years).


What does LTV mean?

LTV stands for loan to value. It is the amount of money you need to borrow as a percentage of the value of the property you wish to buy. For example, if the value of your new property is £100,000 and you have £20,000 saved for a deposit, you will need to borrow the remaining £80,000. So, your required LTV is 80% (80,000 is 80% of £100,000).

At present, the usual limit on LTV is 90%. Yet there are certain schemes available for people looking for 95% of 100% mortgages.

Typically, higher LTV means higher interest rate since it represent more risk to the lender. As such, rates for first time buyers will tend to be higher than rates for existing homeowners looking to remortgage.


What is an interest-only mortgage?

In an interest-only mortgage, you only have to pay the interest back to your lender each month. You don't pay off the capital (IE the actual value of the property) until the end of your mortgage term. As such, you will need to be prepared to pay back the capital in full at the end of the term.

Taking out an interest-only mortgage will also mean you to pay more interest in the long run. Because you are not paying off any your capital, you are always paying the same amount of interest on the entire sum borrowed. This is different from normal repayment mortgages where you will be paying interest on a smaller amount each month as you mortgage decreases.


What is a mortgage broker?

You may find that if you can't connect you directly to a mortgage provider, we'll recommend applying for the mortgage via a broker. There a many reasons to use a mortgage broker, but in brief it is their job to find you the best mortgage deal. Although you have to pay for their services, you may end up paying less than you would have done if you'd applied for the mortgage directly. For more information about mortgage brokers, read our mortgage broker guide.

 

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How much do I need to borrow?How much do I need to borrow?
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