Compare mortgage rates

Comparison rates show you the initial interest rate a lender is advertising for a mortgage product. They're pulled live from lenders across the market so you can see at a glance what's available. Keep in mind that the rate you actually receive will depend on your personal circumstances — things like your income, credit history, deposit size, and the property itself.

LTV stands for Loan-to-Value — it's the percentage of the property's value you're borrowing. For example, if you're buying a £200,000 home with a £40,000 deposit, you'd need an 80% LTV mortgage. The lower your LTV, the less risk you represent to a lender, which typically means you'll be offered better rates.

A fixed rate keeps your monthly payments the same for an agreed period (usually 2, 3, or 5 years), giving you certainty and protection if rates rise. A variable rate can go up or down in line with the Bank of England base rate or your lender's standard variable rate. Which is right for you depends on your priorities — a Mortgage Hut adviser can help you weigh up the options for your situation.

The initial rate is what you pay during the deal period (e.g. the first 2 years). The APRC (Annual Percentage Rate of Charge) is a standardised figure that reflects the total cost of the mortgage over its full term, including fees. It's useful for comparing the overall cost between products, not just the headline rate.

The rates shown here are for comparison purposes. Lenders assess each application individually, so the rate you're offered may differ based on your credit profile, income, and the property. Our advisers can check your eligibility before you apply, so you don't risk unnecessary credit searches or rejections.

You can apply directly to a lender, but a whole-of-market broker like The Mortgage Hut has access to deals that aren't always available direct — and can match you to the lender most likely to accept you based on your circumstances. There's no obligation when you speak to one of our advisers.