Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts.
Where we have been able to we have also provided a link for you to apply via Moneyfacts.co.uk today.
Products shown with a yellow background are sponsored products.
There are several types of variable rate mortgages, including standard variable, discounted rate and tracker rate. The interest rate you pay on all of these can go up as well as down. Although they do not offer protection from future rate increases, they will allow you to benefit from cheaper payments when interest rates are low.
Some lenders offer tracker rate mortgages. These rates move up and down (or track) in line with changes to the Bank of England base rate, meaning that your payment can fluctuate as well.
Most lenders offer a standard variable rate mortgage (SVR). The fees associated with taking out, or remortgaging from, an SVR mortgage are often relatively low. This is because many have low set-up costs and no early repayment charges. Unlike a tracker, an SVR is set arbitrarily by each individual lender, so your rate may increase or decrease by a different amount to the Bank of England base rate.
Discounted rates are another form of variable rate mortgage; we have a separate best buy table for these here, or a specialist table for first time buyers.
When you look at our best buys, you will see that we have selected products from across different loan-to-value tiers in order to give a wide overview of what’s available.
However, if you can’t find a product that’s right for you don’t worry – you can use our quick and easy mortgage search to access a more comprehensive list of mortgages.
Stay in the know with all the latest information, of-the-moment consumer trends, best-in-class products & providers and helpful tools from Moneyfacts.
Mortgage repayment calculatorWork out how much your mortgage repayments will be.
How much can I borrow calculator?Work out what your monthly mortgage payments are likely to be based on how much you want to borrow over the mortgage term.
There’s plenty of great news doing the rounds about the housing market at the moment, from record lo... More
Whereas the start of 2014 witnessed a flurry of mortgage lending to house purchasers and remortgagor... More
It can’t be denied that property prices have risen extortionately in the last few years, but has the... More
Getting onto the housing ladder may be a big step, but it is often only the first on the road to sec... More
Thinking of remortgaging, moving home or getting on the ladder? Well, you’ve picked a great time...... More
Find out how to choose the best estate agent in this guide. We look at practical ways to shortlist, ... More
Mortgage valuations shouldn’t be confused with a property survey. You should consider having a surve... More
Several mortgage lenders have announced increases to their rates. Find out what to do if your mortga... More
HSBC has introduced a new five-year fixed rate mortgage, which has earned an ‘excellent’ rating for ... More
Melton Mowbray Building Society has released a three-year discounted variable rate mortgage that has... More
Leeds Building Society has bolstered its mortgage range with a new five-year fixed rate deal, which ... More
Norwich & Peterborough Building Society has reduced selected mortgage rates by up to 0.70%...... More
Hanley Economic Building Society has reduced selected fixed rate mortgages, one of which has earned ... More
Moneyfacts.co.uk will, like most other websites, place cookies onto your computer’s
hard drive. This includes tracking cookies.