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.
It’s a great time to be a homebuyer at the moment. Not only are mortgage rates falling, but there's ... More
After years of frustrated efforts to get one foot on the housing ladder, first-time buyers (FTBs) ar... More
First mortgage rates descended to reach new lows, and now providers are upping the ante on fees in a... More
Now that the uncertainty of the general election has been put behind us, more and more people are cl... More
Over the last few years, more and more people in the UK have resorted to renting a home in place of ... 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
Cumberland Building Society has reduced selected fixed rate mortgages by up to 0.30%. One of the pro... More
West Brom Building Society has extended its mortgage range with a new two-year fixed rate deal, whic... More
Hanley Economic Building Society has launched a highly competitive two-year discounted variable mort... More
Yorkshire Building Society has reduced selected fixed rate deals by up to 0.10%. One of the mortgage... More
Leek United Building Society has reduced its two-year discounted variable rate deal by 0.10%, pushin... More
Moneyfacts.co.uk will, like most other websites, place cookies onto your computer’s
hard drive. This includes tracking cookies.