Buying a new home or looking to re-mortgage for a better rate? Compare fixed rate, tracker, off-set, first time buyer and buy-to-let mortgages product from leading lenders. Find a low cost new mortgage, or start saving on your monthly repayments today!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
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NatWest 2 Year Fixed Rate Mortgage
|
1.74%
|
Fixed for 2 Years
|
4.0% (variable)
|
4.00%
|
60%
|
£1,995
|
Call NatWest 0800 158 2940 Apply > |
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RBS 2 Year Fixed Rate
|
1.74%
|
Fixed for 2 Years
|
4.01% (variable)
|
4.00%
|
60%
|
£1,995
|
Call RBS 0800 068 7683 Apply > |
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HSBC 2 Year Fixed Special Rate Mortgage
|
1.89%
|
Fixed for 2 Years
|
3.94% (variable)
|
3.80%
|
60%
|
£1,999
|
Call HSBC 0800 077 4254 Apply > |
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Woolwich 2 Year Fixed Rate Mortgage
|
2.29%
|
Fixed for 2 Years
|
3.89% (3.39% above Barclays Bank Base Rate)
|
3.80%
|
60%
|
£999
|
|
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Santander 2 Year Fixed Rate Mortgage
|
2.29%
|
Fixed for 2 Years
|
4.74% (variable)
|
4.40%
|
60%
|
£995
|
Call Santander 0800 389 4153 Apply > |
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
| View Full Table > | |||||||
![]() |
NatWest 2 Year Tracker Mortgage
|
2.19% (variable)
1.69% above NatWest base rate for 24 months
|
3.80% (variable)
|
4.00%
|
60%
|
£995
|
Call NatWest 0800 158 2940 Apply > |
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RBS 2 Year Tracker
|
2.19% (variable)
2.69% above BBS base rate for 24 months
|
3.80% (variable)
|
4.00%
|
60%
|
No Application Fee
|
Call RBS 0800 068 7683 Apply > |
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Halifax 2 Year Tracker Mortgage
|
2.24% (variable)
1.74% above Bank of England base rate for 2 years
|
3.99% (variable)
|
4.00%
|
60%
|
£1,499
|
Call Halifax 0845 287 8995 Apply > |
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HSBC Lifetime Tracker Mortgage
|
2.38% (variable)
Tracks at 1.88% above Bank of England base rate for Life
|
N/A
|
2.50%
|
60%
|
£1,499
|
Call HSBC 0800 077 4254 Apply > |
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Woolwich Tracker Barclays 2 Year Loyalty Mortgage
|
2.39% (variable)
1.89% above the Barclays Bank Base Rate for 2 Years
|
3.89% (3.39% above Barclays Bank Base Rate)
|
3.70%
|
70%
|
£499
|
|
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
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Post Office 2 Year Fixed Rate Mortgage
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3.89%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.60%
|
90%
|
1,495
|
Call Post Office 0203 004 2012 Apply > |
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Halifax 3 Year Fixed Mortgage
|
4.39%
|
Fixed for 3 Years
|
3.99% (variable)
|
4.20%
|
85%
|
£995
|
Call Halifax 0845 287 8995 Apply > |
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2 Year Fixed-Rate NewBuy Scheme Mortgage
|
4.49%
|
Fixed for 2 Years
|
4% (variable)
|
4.20%
|
95%
|
No Application Fee
|
Call NatWest 0800 158 2940 Apply > |
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Post Office 5 Year Fixed Rate Mortgage
|
4.59%
|
Fixed for 5 Years
|
4.49% (variable)
|
4.70%
|
90%
|
No Application Fee
|
Call Post Office 0203 004 2012 Apply > |
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Santander 3 Year Fixed Rate Mortgage
|
4.69%
|
Fixed for 3 years
|
4.74% (variable)
|
4.90%
|
90%
|
£495
|
Call Santander 0800 389 4153 Apply > |
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
| View Full Table > | |||||||
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Woolwich Offset Tracker Mortgage (Minimum Loan £300,000)
|
2.99% (variable)
(2.49% above the Barclays Bank Base Rate for entire term)
|
3.89% (3.39% above Barclays Bank Base Rate)
|
3.90%
|
65%
|
£1,999
|
|
![]() |
Barclays Offset Lifetime Tracker Mortgage
|
3.29% (variable)
(3.39% above the Barclays Bank Base Rate for entire term)
|
n/a
|
3.90%
|
70%
|
£1,499
|
|
![]() |
Santander Offset Mortgage
|
3.59% (variable)
3.09% above Bank of England base rate for term of mortgage
|
N/A
|
3.70%
|
75%
|
£995
|
Call Santander 0800 389 4153 Apply > |
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NatWest Offset Flexible Mortgage
|
4.00% (variable)
3.25% above NatWest base rate for the entire term
|
n/a
|
4.20%
|
up to 80%
|
£499
|
Call NatWest 0800 158 2940 Apply > |
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
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Barclays 2 Year Buy to Let Mortgage
|
3.49%
|
Fixed for 2 Years
|
4.99% (4.49% above Barclays Bank Base Rate)
|
5.10%
|
60%
|
£1,999
|
|
![]() |
Barclays Buy-to-Let Lifetime Tracker Mortgage
|
3.79% (variable)
|
Tracks at 3.29% above Barclays Base Rate for Life
|
N/A
|
4.10%
|
60%
|
£1,999
|
|
![]() |
NatWest Buy to Let 2 Year Tracker Mortgage
|
4.09% (variable)
|
Tracks at 3.59% above Bank of England Base rate for 2 years
|
4.5% (variable)
|
4.80%
|
75%
|
£1,999
|
Call NatWest 0800 158 2940 Apply > |
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NatWest Buy to Let 2 Year Fixed Mortgage
|
4.49%
|
Fixed for 2 Years
|
4.5% (variable)
|
4.90%
|
75%
|
£1,999
|
Call NatWest 0800 158 2940 Apply > |
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HSBC Buy-to-Let Lifetime Fixed Rate Mortgage
|
4.99%
|
Fixed for 2 Years
|
5.00% (variable)
|
5.20%
|
75%
|
£499
|
Call HSBC 0800 077 4254 Apply > |
The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.
The telephone-based mortgage advice service is provided by London & Country Mortgages Ltd., Beazer House, Lower Bristol Road, Bath, BA2 3BA. London & Country Mortgages Ltd are authorised and regulated by the Financial Services Authority. Their FSA number is 143002.

A fixed-rate mortgage works by establishing fixed monthly payments on your home for a set amount of time. These fixed rates do not change, even if the Bank of England's base rate does.
Fixed-rate mortgages usually last between 2 and 5 years, though some can last longer. Should you wish to cancel before the end of the fixed period, you will normally encounter an early-termination fee.
Fixed-rate mortgages are great for budgeting purposes, since the amount you pay never changes. Fixed-rate mortgage holders are protected against any fluctuation in a lenders' standard variable rate within the set period. And low interest rates within the first couple of years helps to keep these mortgages both accessible and affordable.
Extended tie-in periods could mean that you pay a higher rate once the fixed rate has ended. Conversely, there is also the possibility that the lender's standard variable rate could fall below the fixed rate during your agreement.
Currently, though, the Government's Funding for Lending Scheme has driven down fixed-rate mortgages to record low levels.
Find out more about fixed rate mortgages.
A tracker mortgage is a variable rate mortgage which follows the changes in base rate set by the Bank of England for a set period. So payments change if the Bank of England changes the base rate.
When the base rate goes up or down, your interest payments follow by the same amount.
Read more about tracker mortgages here.
Remortgages work when a homeowner switches from one lender to another on the same property. They can be a great way to save money on your home loan.
As your equity stake in a property rises and the amount you owe reduces, mortgage providers will be more willing to offer cheaper rates because you are deemed to be of lower risk. Cheap remortgage deals can benefit you by reducing your monthly payments.
There is a lot of competition for remortgage options, especially for those with 30% or 40% of their loan already repaid. Choosing a low-interest rate remortgage option should be straightforward, though homeowners need to be careful that high arrangement fees do not counteract the savings that would be made by switching to a lower cost loan.
Read more about remortgages here.
Buying your first home will be your biggest financial commitment, so it's very important you get your finances organised. There are a lot of first-time buyer mortgages on the market so it can be very daunting choosing the right one.
When searching, you might want to consider the following:
- Loan-to-value (LTV) - What is the value of the property? (e.g. £200,000) How much can you pay in deposit? (e.g. £20,000) The remainder constitutes the loan-to-value that you will need. (e.g. = 90%).
- Fees and Charges - Some lenders offer fee-free deals for first-time buyers. Considering fees can exceed £1,000, this can prove a hefty addition to your expenses and deserves consideration.
- Eligibility - Some top deals have restrictions, such as requiring the borrower to switch current accounts.
- Options for family assistance - Some lenders allow family to help out: for example, by offsetting savings to lower the loan-to-value requirement (see below).
First-time buyer mortgages come in fixed- and variable-rate options. Read more about first-time buyer mortgages here.
An offset mortgage allows you to "offset" your savings against the value of your mortgage. You sacrifice the interest you would have gained from your savings; but in lowering your mortgage value, your interest payments will fall. Plus, it's a tax-efficient option, because you're not losing chunks of your interest returns to the taxman.
A quick example of an offset mortgage: if you had £15,000 savings and a £150,000 mortgage, you would only pay interest on £135,000. Using this example, you could save paying interest on 10% of your mortgage.
Read more about Offset Mortgages here.
No-Fee mortgages don’t eliminate all costs; however they are free of upfront fees and allow you to pay over the time of your mortgage. They usually come with higher interest rates than other mortgages.
The higher interest rates with no-fee mortgages could prove more expensive over the longer term, whereas on a shorter mortgage it could be very beneficial to have a no-fee application.
Read more about No-Fee Mortgages here.
Sharia'a Approved Home Purchase Plan Information and apply for an Islamic Mortgage here.
No Broker Fee and offering Commercial Mortgages with rates from 1.5% over Bank of England Base or up to 80% LTV.
Read and apply for a Commercial Mortgage here.