Mortgages. Compare top home loan prices. Discover the right home loan for you.

Mortgages. Compare top home loan prices. Discover the right home loan for you.

Select your home loan


Cut costs when you switch your home loan. Learn how swapping up to a various handle your current lender, or going to some other lender, can lessen your repayments.

First-time customer

All you need to find out about the greatest discounts for first-time purchasers, including incentives like cashback, low charges, or even a contribution towards appropriate expenses.

Residence purchase

Understand how a house purchase home loan will allow you to proceed to a brand new house and determine the way you might get a fantastic price by switching to a brand new deal.


Turn into a landlord and get a residential property it is possible to rent by having a buy-to-let home loan – or find out about remortgaging a current home that is rental.

Exactly exactly What influences your eligibility for a home loan?

It’s good to own an awareness of this selection of factors which may influence whether your home loan will be authorized.

Remortgage eligibility

When comparing remortgage relates to us, you’ll be asked six brief concerns therefore we can show the discounts most strongly related you. You could elect to respond to one more collection of concerns so we can eliminate those mortgages you won’t qualify for.

Eligibility for a home loan

Your eligibility for a home loan is determined by your individual profile and credit score, the house, additionally the lender’s very very own criteria. Each loan provider will glance at simply how much it believes you really can afford before making a decision exactly how much to allow you borrow.

Compare mortgages from over 90 loan providers, within the entire for the market

Home loan repayment and overpayment calculators

Our home loan calculator will allow you to get an improved notion of simply how much you really can afford to borrow, and just how much your mortgage will set you back in month-to-month repayments. You’ll be in a position to look at total price of your mortgage after the interest is added.

You could save in interest payments if you want to see how your existing mortgage repayments would be affected by a one-off lump sum payment or increased monthly repayments, our overpayment calculator shows how much. Just be sure to learn your lender’s payment terms to test if overpayments are allowed.

If you’re enthusiastic about finding out of the normal minimum deposit necessary for a home loan throughout the UK, visit our home loan deposit deficit guide.

Fixed price mortgages

Fixed price mortgages don’t mind spending time price that remains exactly the same for a group period. This might be such a thing from two to a decade. Your repayments are exactly the same every month and also you won’t need to fear changes in interest levels. Most will ask you for a penalty – called an early on payment cost (ERC) – if you decide to keep the offer ahead of the end of this term that is fixed.

Adjustable price mortgages

Interest levels adjust occasionally having a rate that is variable, this means repayments may alter through the entire loan term. Frequently, the attention price alterations in reference to another price – the lender of England’s base price is extremely influential on adjustable interest levels, as it is the bottom price of every lender.

For standard adjustable rate (SVR) mortgages, each loan provider posseses an SVR they like that they can move when. In fact, this has a tendency to approximately stick to the Bank of England’s base rate motions. SVRs could be such a thing from two to five percentage points over the base rate – or higher – in addition they may differ massively between loan providers.

Discounted adjustable rate home loan

The other kind of variable home loan is a discount home loan. Instead of being from the Bank of England base price, discounts are for this loan provider’s standard adjustable price (SVR). The payable mortgage rate is 3.50per cent as an example, if the SVR is 4.50% by having a discount of just one%. The pay rate would rise to 4.50percent if the SVR rose to 5.50percent.

The situation with discounts is the fact that SVR changes are in the lending company’s discernment which means that your mortgage repayments could change regardless if there is no alteration within the Bank of England base price. In addition to this, no matter if the SVR modifications carrying out a move when you look at the base price, there isn’t any guarantee so it will increase or decrease by the exact same quantity.

Being a total outcome, trackers are often regarded as more transparent than reduced deals and are usually frequently viewed as being fairer for the debtor.

As soon as the base price dropped from 5.00per cent to 0.50per cent between October 2008 and March 2009, for instance, Lloyds TSB ended up being the actual only real top 20 lender to cut back its SVR by the full 4.50%. All of the other people cut their prices by less.

As soon as the Bank of England raised the base price from 0.25per cent to 0.5percent in November 2017, anybody who wasn’t on a rate that is fixed is at chance of seeing their repayments enhance. Lots of leading mortgage brokers observed and increased their tracker and/or SVR prices a month later on.


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