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There are thousands of mortgage products out there, and the headline rate rarely tells the whole story. Our Mortgage Comparison Calculator lets you weigh up different rates, terms, and repayment types, so you can see what actually suits you before you commit.
Free to use
No personal details required
Enter the details of the mortgages you're weighing up, loan amount, rate, term, and repayment type, and we'll show you how they compare month to month and over the life of the deal. It's free to use and takes just a couple of minutes.
Comparison figures are estimates for illustration only and do not constitute a mortgage offer. Rates, fees, and eligibility vary by lender and are subject to individual assessment. Your home may be repossessed if you do not keep up repayments on your mortgage.
The lowest headline rate isn't always the cheapest deal once everything else is factored in. Here's what's worth weighing up.
Rate vs. true cost
Look past the headline rate
A lower rate can come with a higher arrangement fee, or vice versa. Comparing the total cost over the deal period, not just the monthly figure, often tells a very different story to comparing rates alone.
Deal length
Two years vs. five years
Shorter fixed terms often carry lower rates but mean remortgaging sooner, with fees each time. Longer terms offer more certainty but can lock you in if your circumstances change or rates fall.
Fixed, tracker or discount
Weighing up the type
Fixed rates give you predictable payments. Tracker and discount rates move with the market, potentially cheaper, potentially not. Comparing across types, not just within one, gives you the full picture.
Early repayment charges
What happens if plans change
Many deals include penalties for overpaying or exiting early. If there’s a chance you’ll move, remortgage, or overpay, these charges can make an otherwise attractive deal far less appealing.
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What's the difference between rate and APRC?
The rate is the interest charged on your borrowing. The APRC (Annual Percentage Rate of Charge) reflects the total cost of the mortgage over its full term, including fees, giving you a more accurate way to compare deals like for like.
