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Compare mortgages

What type of mortgage are you looking for?

Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2022 From NatWest
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
UK MARKET LEADING 2 YEAR FIXED RATE. Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2022 From Virgin Money
Initial rate 1.16% Nov-2022
Maximum LTV 65%
Overall cost of comparison 3.7% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2022 From Royal Bank Of Scotland
Initial rate 1.17% Sep-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Sep-2025 From NatWest
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Sep-2025 From Royal Bank Of Scotland
Initial rate 1.41% Sep-2025
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.49% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2023 From Virgin Money
Initial rate 1.69% Nov-2023
Maximum LTV 65%
Overall cost of comparison 3.6% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2025 From Virgin Money
Initial rate 1.75% Nov-2025
Maximum LTV 65%
Overall cost of comparison 3.2% APRC
See deal
See the next 10 mortgages

Compare Mortgage Deals

"BOE base rate cut to 0.1% - Mortgage rates at all time low!"

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Mortgage details

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Initial rate period:
Overall cost for comparison:
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A staggering £2.78 billion of interest is being paid by people on the wrong mortgage deal!

This is because according to latest research* 36% of UK homeowners are sitting on their lender Standard Variable Rate (SVR).

When you took out your mortgage there was a good chance that you were given an initial fixed term deal over 2,3 or 5 years.

At the end of the initial fixed term you will usually have been switched automatically to the lender’s Standard variable Rate (SVR) of interest. The current average lender SVR is 4.40%.

If this is you there is a good chance your monthly mortgage payments are a lot higher than they need to be.

You are not alone. 4 million UK homeowners are in the same boat.

Click here to get a better remortgage deal


Buy to let - Looking to purchase or remortgage?

Buy to let mortgage rates have fallen significantly in the last few years so if you are a landlord looking to maximise your bottom line you should consider reviewing the cost of finance.

With recent tax changes to btl landlords ensuring you are not paying over the odds for your mortgage funding should be a priority.

Remortgaging your buy to let(s) is relatively straightforward depending on your circumstances - it makes a lot of sense to review the cost of borrowing to maximise your profit.

For latest buy to let mortgage deals from UK lenders click here »


Older borrower?

Historically for older borrowers (aged 60+) flexible options for homeowners looking to raise capital or simply remortgage to get a better rate or to switch to an interest only basis were limited.

The good news is that this has changed - in the last 12 months a number of lenders have been launching mortgages in retirement products which are designed to help borrowers stay in their homes without being pressurised to downsize.

More information can be found here on retirement mortgages »


Independent Mortgage Advice

Remortgaging is particularly popular at the moment as interest rates are low.

Click to call

Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.

However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.

If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).

If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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mortages.direct is a trading style of Fair Investment Company.

We've been comparing and recommending mortgage deals for many years so you can trust you're in good hands.