Live rates

Today's best mortgage rates

Live rates by deal type, buyer type and loan-to-value, refreshed from lender data every day — with a free alert for the segment you care about.

There is no single "best" mortgage rate — the deal you'll be offered depends on how much equity or deposit you have, how long you want to fix for, and whether you're buying your first home, moving or remortgaging. Each page below filters our live data to one of those situations, so the rates you see are ones you could realistically be offered.

By deal type

How long you fix for, or whether you track the base rate instead.

Best 2-year fixed mortgage rates

The lowest 2-year fixed rates we're tracking right now, refreshed from lender data every day.

Best 3-year fixed mortgage rates

The lowest 3-year fixed rates we're tracking right now, refreshed from lender data every day.

Best 5-year fixed mortgage rates

The lowest 5-year fixed rates we're tracking right now, refreshed from lender data every day — with what to check beyond the headline number.

Best 10-year fixed mortgage rates

The lowest 10-year fixed rates we're tracking right now, refreshed from lender data every day.

Best tracker mortgage rates

The lowest tracker rates we're tracking right now, refreshed from lender data every day.

Best discount variable mortgage rates

The lowest discount variable rates we're tracking right now, refreshed from lender data every day.

By what you're doing

Lenders price the same product differently depending on who's borrowing.

Best first-time buyer mortgage rates

Live rates priced specifically for first-time buyers, refreshed from lender data every day.

Best remortgage rates

Live rates priced for remortgaging to a new lender, refreshed from lender data every day.

Best mortgage rates for moving home

Live rates priced for home movers, refreshed from lender data every day.

By deposit or equity

Your loan-to-value is the biggest single influence on the rate you'll be offered.

Best 60% LTV mortgage rates

The lowest rates available if you're borrowing 60% or less of your property's value — the cheapest tier in the market.

Best 75% LTV mortgage rates

The lowest rates available if you're borrowing 75% or less of your property's value.

Best 85% LTV mortgage rates

The lowest rates available with a 15% deposit or 15% equity — the point where mainstream pricing starts to open up.

Best 90% LTV mortgage rates

The lowest rates available with a 10% deposit or 10% equity, updated daily.

Best 95% LTV mortgage rates

The lowest rates available with a 5% deposit — the smallest deposit mainstream lenders accept.

By product feature

Fee-free deals, offset accounts and interest-only lending.

Best fee-free mortgage rates

The lowest rates on products with no arrangement or booking fee, refreshed from lender data every day.

Best offset mortgage rates

The lowest offset mortgage rates we're tracking right now, refreshed from lender data every day.

Best interest-only mortgage rates

The lowest interest-only rates we're tracking right now, refreshed from lender data every day.

Fixed rates at a specific LTV

The most-searched combinations of fix length and loan-to-value.

Best 2-year fixed rates at 60% LTV

The lowest 2-year fixed rates for borrowers with 40% equity or more.

Best 2-year fixed rates at 75% LTV

The lowest 2-year fixed rates for borrowers with 25% equity or more.

Best 2-year fixed rates at 90% LTV

The lowest 2-year fixed rates available with a 10% deposit or 10% equity.

Best 5-year fixed rates at 60% LTV

The lowest 5-year fixed rates for borrowers with 40% equity or more.

Best 5-year fixed rates at 75% LTV

The lowest 5-year fixed rates for borrowers with 25% equity or more.

Best 5-year fixed rates at 90% LTV

The lowest 5-year fixed rates available with a 10% deposit or 10% equity.

23 live rate pages, refreshed from lender data every day. Rates are gathered from lenders' public information and may change or be withdrawn at any time. Information, not advice — confirm details with the lender.

Watching a particular rate?

Set a free alert and we'll email you the moment your segment moves.

Create free alert