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Compare Mortgage Deals

Compare Top UK Mortgage Deals

  • Complete our 30 second form to find the latest deals
  • Compare quotes for leading UK lenders with an FCA qualified adviser with no obligation
  • Get a mortgage deal that is suited to your needs!

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

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How much can I borrow

As a result of the introduction of new rules, mortgage lenders have adopted a different method when considering mortgage applications.

Mortgage lenders’ main focus is now the affordability of a mortgage. In support of your application, you will now be expected to provide:

  • Details of your employment
  • Your income
  • Your monthly outgoings

Find our mortgage table above that shows best mortgage deals available.

How to calculate mortgage repayments

Before taking out a mortgage it is advisable to see how much you will have to pay each month.

Our mortgage calculator can generate the best mortgage deals that are suited to your needs.

To find the best mortgage deals for you, complete the mortgage calculator with the following:

  • The purpose of your mortgage
  • The value of the property
  • The amount you wish to borrow
  • The type of mortgage you want
  • Your preference on capital and interest or interest only mortgage
  • The length of mortgage

What is a fixed rate mortgage

Fixed rate mortgages offer you the opportunity to pay a set amount of interest for the introductory period of your mortgage. Typically, high street banks offer fixed rate mortgages with introductory periods for 2,3,5 or 10 years.

By getting a fixed rate for the first few years of your mortgage, you can forecast exactly how much you will have to pay every month.

Although securing a fixed rate of interest may be appealing, interest rates will change over the course of your mortgage and the rate you secure at the start of your mortgage may not be as attractive half way through your fixed rate term.

Aldermore offer a fixed rate mortgage with competitive interest rates and a variety of loan to value options.

What is a tracker rate mortgage

Tracker mortgages are mortgages with interest rates that can change multiple times throughout the mortgage. Tracker mortgages’ interest rates are determined by the Bank of England’s base interest rate.

If the Bank of England increases their base interest rate, then tracker mortgages’ interest rates increase.

Repayment or interest only

Interest only mortgages: these mortgages only require you to pay the interest on a mortgage, which means that interest only mortgages are usually cheaper than other mortgages. It should be noted that you cannot own a property outright on an interest only mortgage.

Repayment mortgages: these mortgages allow you to own the property outright at the end of the mortgage. This is because repayment mortgages include the capital and the interest of a mortgage in the monthly mortgage payments.

As a result, repayment mortgages are often more expensive than other mortgages.

Making overpayments

Making overpayments on your mortgage can help you make significant progress on your mortgage.

Some lenders are happy to allow borrowers to make overpayments on a mortgage, but a number of lenders prohibit overpayments and will charge early repayments penalties. It is advisable to contact your mortgage provider if you want to make an overpayment.

Independent Mortgage Advice

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

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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

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