Find a mortgage - Mortgage Search | moneyfacts.co.uk
 

Find a Mortgage

How to find a mortgage using our mortgage search tool

Our comprehensive mortgage search tool not only shows you your estimated monthly repayments, interest and product fees, it is also able to filter down to the mortgages on the market that match your search criteria. This is 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 5702 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

1.29% reverting to 5% 4.4% Discounted Variable to 2 Years None £585.22 £249,616 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £585.22 and 276 monthly payments of £852.72. Total interest of £99,396, valuation fees of £0 and product fees of £0.

1.32% reverting to 4.69% 4.8% Variable to 31/01/2021 £999 £587.30 £260,577 Details...
Go to Site
Representative Example: 25 monthly payments of £587.30 at a tracker rate of 1.32%, 36 monthly payments of £827.52 and 239 monthly payments of £898.98. Total interest of £109,329, valuation fees of £0 and product fees of £999.

1.34% reverting to 4.25% 4.3% Discounted Variable to 28/02/2021 £1,495 £588.69 £246,577 Details...
Speak to an Adviser
Representative Example: 26 monthly payments of £588.69, 36 monthly payments of £792.87 and 238 monthly payments of £843.94. Total interest of £94,707, valuation fees of £235 and product fees of £1495.

1.37% reverting to 4.74% 4.3% Discounted Variable to 2 Years £699 £590.79 £245,239 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £590.79 and 276 monthly payments of £832.72. Total interest of £94,010, valuation fees of £330 and product fees of £699.

1.37% reverting to 4.25% 4.3% Discounted Variable to 31/03/2021 £995 £590.79 £245,452 Details...
Speak to an Adviser
Representative Example: 27 monthly payments of £590.79, 36 monthly payments of £792.35 and 237 monthly payments of £843.21. Total interest of £94,317, valuation fees of £0 and product fees of £995.

1.38% reverting to 4.69% 4.8% Variable to 31/01/2021 £999 £591.48 £260,818 Details...
Go to Site
Representative Example: 25 monthly payments of £591.48 at a tracker rate of 1.38%, 36 monthly payments of £827.98 and 239 monthly payments of £899.48. Total interest of £109,570, valuation fees of £0 and product fees of £999.

1.39% reverting to 4.69% 4.9% Fixed to 31/01/2021 £1,999 £592.18 £261,858 Details...
Go to Site
Representative Example: 25 monthly payments of £592.18, 36 monthly payments of £828.06 and 239 monthly payments of £899.56. Total interest of £109,610, valuation fees of £0 and product fees of £1999.

1.41% reverting to 4.99% 4.5% Variable to 2 Years £995 £593.58 £250,740 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £593.58 at a tracker rate of 1.41% and 276 monthly payments of £852.84. Total interest of £99,630, valuation fees of £0 and product fees of £995.

1.44% reverting to 4.24% 3.9% Variable to 2 Years £999 £595.69 £234,661 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £595.69 at a tracker rate of 1.44% and 276 monthly payments of £794.33. Total interest of £83,532, valuation fees of £0 and product fees of £999.

1.44% reverting to 4.19% 3.8% Variable to 2 Years £999 £595.69 £233,521 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £595.69 at a tracker rate of 1.44% and 276 monthly payments of £790.49. Total interest of £82,472, valuation fees of £0 and product fees of £999.

1.44% reverting to 4.69% 4.9% Fixed to 31/01/2021 £1,999 £595.69 £262,057 Details...
Go to Site
Representative Example: 25 monthly payments of £595.69, 36 monthly payments of £828.44 and 239 monthly payments of £899.97. Total interest of £109,809, valuation fees of £0 and product fees of £1999.

1.44% reverting to 4.24% 3.9% Variable to 2 Years £999 £595.69 £234,581 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £595.69 at a tracker rate of 1.44% and 276 monthly payments of £794.33. Total interest of £83,532, valuation fees of £0 and product fees of £999.

1.44% reverting to 4% 3.7% Variable to 2 Years £999 £595.69 £229,749 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £595.69 at a tracker rate of 1.44% and 276 monthly payments of £776.01. Total interest of £78,475, valuation fees of £0 and product fees of £999.

1.44% reverting to 4% 3.7% Variable to 2 Years £999 £595.69 £229,749 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £595.69 at a tracker rate of 1.44% and 276 monthly payments of £776.01. Total interest of £78,475, valuation fees of £0 and product fees of £999.

1.47% reverting to 4.74% 4.3% Discounted Variable to 2 Years £699 £597.79 £245,611 Details...
Speak to an Adviser
Representative Example: 24 monthly payments of £597.79 and 276 monthly payments of £833.46. Total interest of £94,382, valuation fees of £330 and product fees of £699.
Now showing 1 to 15 of 2670 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.

 

Moneyfacts mortgage search tool explained

Our mortgage search tool allows you to find all the mortgages that fit your own specific requirements. Our search will filter through almost every product available on the market, including most of those available through mortgage brokers and show you as many details as possible about products that match your search criteria.

On this page:

  1. How to find a mortgage
  2. What type of mortgage should I choose?
  3. How much can I borrow?
  4. Mortgage fees explained
  5. What else do I need to consider when looking for a mortgage?
  6. Should I use a mortgage broker?
  7. Find mortgages by LTV

How to find a mortgage

Just fill in a few details about:

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

The mortgage search will use this information to 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 breakdown of your mortgage payments, the total interest you will pay, and an estimate of the applicable fees.

We only ask for the information that is needed to return the best search results possible. For a more general idea of what your monthly payments might be, have a look at our monthly mortgage payment calculator.

We will display your mortgage search results with the mortgages you can apply for at moneyfacts.co.uk first. To reorder the columns, click on your preferred column heading. You can also compare up to three mortgages separately to help you create a shortlist.

Get started now and enter your details above to find a mortgage based on your personal requirements.

What type of mortgage should I choose?

Some decisions are simple to make; you’ll know whether you are looking to move home, remortgage or even buy your first home. By putting this information in, you are making sure that those mortgages that don’t allow your specific situation are filtered out.

Other choices may not be so simple. Under Mortgage Type, you will find fixed, variable, capped and tracker. Maybe you don’t mind which one you get (which is the default option), but it is still helpful to know how they differ.

Fixed rate mortgages give you repayment security over the initial term, while variable rate mortgages can go up and down throughout the life of the mortgage although many have a discounted rate for an initial period. Capped and tracker mortgages are specific types of mortgages that either have a maximum rate, or follow a certain external measure (usually the Bank of England base rate). You can read more in our A href="/guides/mortgages/what-is-a-capped-mortgage/">capped and tracker mortgages guides, or read our offset mortgage guide for another option if you have a large savings pot that isn’t gaining much interest.

Which of these mortgage types you choose will depend on your personal preference and attitude towards risk, as well as the wider market. This decision further depends on what kind of initial period you’re after, especially in relation to fixed rate deals. A longer initial term means more security but also usually a slightly higher rate, while for variable rates there’s less security regardless of term and there might not even be an initial, discounted period.

You can also choose between two Repayment Types in our mortgage finder. With an interest-only mortgage, you only pay off the interest each month. You don't pay off the capital (i.e. the actual amount of the mortgage as you would with a repayment mortgage) 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.

To get a better idea of what you will need to pay each month with a repayment compared to an interest-only mortgage, you could use our mortgage payment calculator, which calculates monthly repayments for both. Taking out an interest-only mortgage may look like a cheaper option at first, but it actually means that you pay more interest in the long run, and you need to be putting money aside to build up an amount to repay the mortgage at the end of the term

With an interest only mortgage, you are not paying off any of the capital, which means the original sum borrowed will remain outstanding for the entire term of the mortgage. This is different from repayment mortgages, where you will be paying interest on a smaller amount each month as your mortgage decreases, because your monthly repayments will chip away at the original sum borrowed. As a result of this and the financial crisis, there are fewer and fewer interest-only mortgages on offer, and they should only be considered by those with a firm repayment plan of their own.

How much can I borrow?

Every provider will have its own criteria, and the mortgage you are offered will also depend on your credit rating and personal circumstances, such as your (combined) income. To find out what income counts towards a mortgage application, read our guide on the subject.

Once you have an idea of how much you’ll be able to borrow, you can figure out pretty easily how big a deposit you’ll need. Simply speaking, it comes down to the difference between the property value and the mortgage required, as can be seen in the find a mortgage tool above.

Mortgage fees explained

Aside from the rate, an important column of the mortgage search tool to pay attention to is ‘Product Fees’. In some cases, a mortgage with a lower rate can work out as more expensive due to the initial provider fee. This is why we’ve also displayed the ‘total amount repayable’ in a separate column, to give you a better idea not just of what the effect the interest rate will have, but also the impact of fees.

Mortgage fees can be described as booking or arrangement fees, but either way they are an essential part of the mortgage process. While a lot of providers will allow you to add these fees to the mortgage amount, it’s better to pay it if you are able to, given the interest that would otherwise be added to the price.

Note that there are more fees to take into account than just the product fees, with legal fees, stamp duty, valuation fees and moving costs all adding to the total. That’s why it can be useful if a provider offers free valuation fees, or even some cashback, to save you some money. Always look at the total package before making a choice, however.

What else do I need to consider when looking for a mortgage?

When choosing a mortgage, the most important thing to consider is the cost. While you may be tempted to go for a name you recognise, don’t discount the smaller providers, as they may be able to give more personalised support and could offer the better deal.

Also consider the term you’re signing up for. While it may provide more security to sign up to a five-year fixed rate mortgage deal, this may come with high charges should you wish to change your mortgage early. Think about what you’re comfortable with, and how the market might be doing in a few years’ time, as well as the competitiveness of the deal itself.

As for your personal situation, you may want to avoid changing jobs if you’re looking to get a mortgage in the near future. Steady and continuous employment make you less of a risk for providers, so you’ll likely be offered better deals.

Should I use a mortgage broker?

You may find that if we can't connect you directly to a mortgage provider, we'll recommend applying for the mortgage via a broker. There are many reasons to use a mortgage broker, but in brief it is their job to find you the best mortgage deal. Although you will 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 if they can find you a better overall deal. For more information about mortgage brokers, read our mortgage broker guide.

We can introduce you to a team of expert and experienced mortgage advisers at Premier Financial Group, who are on hand to help with your decision. To talk to them, call 0800 193 6644, or fill in the call back form and they will call you.

Find mortgages by LTV

Mortgage Calculators

How much will I pay monthly?How much will I pay monthly?
Work out how much your monthly mortgage repayments will be.

First-time buyer mortgage rates at record low
First-time buyer mortgage rates at record low

First-time buyers can often feel like they’re getting the short end of the stick when it comes to mo... More

Remortgage and save £3,000
Remortgage and save £3,000

If you’re coming to the end of your fixed rate mortgage deal, you may be wondering whether to remort... More

Mortgages with cashback incentive increasing
Mortgages with cashback incentive increasing

Not many will be looking for a new mortgage right now, so providers are doing what they can to appea... More

Would you consider a 100% LTV mortgage?
Would you consider a 100% LTV mortgage?

Almost half (48%) of Brits think bringing back 100% LTV mortgages is a good idea, compared to 32% wh... More

Five-year mortgage rate at two-year high
Five-year mortgage rate at two-year high

The upcoming Moneyfacts UK Mortgage Trends Treasury Report can reveal that the average five-year fix... More

How to choose an estate agent
How to choose an estate agent

Find out how to choose the best estate agent in this guide. We look at practical ways to shortlist, ... More

Mortgage valuations are not in-depth surveys
Mortgage valuations are not in-depth surveys

Mortgage valuations shouldn’t be confused with a property survey. You should consider having a surve... More

You and your mortgage
You and your mortgage

What is your relationship with your mortgage? Are you repaying it off as quickly as you can – are yo... More

Market-leading 10yr fixed mortgage enters charts
Market-leading 10yr fixed mortgage enters charts

TSB has reduced selected fixed mortgage rates, with its 10-year mortgage rate decreasing by 0.10% an... More

Sainsbury’s reduced 2yr mortgage Best Buy
Sainsbury’s reduced 2yr mortgage Best Buy

Sainsbury’s Bank has amended its range, reducing one of its two-year mortgage deals by 0.08%. This s... More

Leek United tops first-time buyer chart
Leek United tops first-time buyer chart

Leek United BS has released a new two-year discounted variable rate mortgage designed for first-time... More

AA’s first-time buyer mortgage enters chart
AA’s first-time buyer mortgage enters chart

AA Mortgages has launched a new mortgage for first-time buyers (FTBs), which offers a competitively ... More

West Brom’s 2-year FTB mortgage now number 2
West Brom’s 2-year FTB mortgage now number 2

West Brom BS has reduced the rate on its two-year fixed first-time buyer (FTB) mortgage by 0.15%, wh... More

Close