Compare mortgages

See today's best mortgage rates, and compare the total cost of different mortgages. A couple of disclaimers: first, we can't guarantee you'll be eligible for every deal in this table. Second, deals change constantly, so what you see here might not be available by the time you apply.

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Buy a property: find your first mortgage, or an additional mortgage for another property.

Remortgage: see if you can get a better rate, or borrow more, on a mortgage you already have.

What's the mortgage for?

Property value

The total price of the property, including the deposit amount. If you're not sure, an estimate is fine – you can always check back here again when you've found a place


Fixed rate: your interest rate (ie what you pay each month) is guaranteed over a fixed period of time, and won't change.

Variable rate: your interest rate could go up or down, so what you pay each month could change. During the initial period, you get a discount on your variable rate.

Rate type

For the first few years of your mortgage, you'll get a lower than standard interest rate. Think of it like an introductory offer from your lender. You can set how long this lasts here.

Mortgage term

The total length of your loan – how many years you'll take to pay back your mortgage.


Searching 20,000+ mortgages...

What's next?


Get a more accurate estimate

Tell us more about what you need, and in 15 minutes we'll give you a true picture of what mortgages you could apply for.

Find out what you can borrow

Talk to a mortgage advisor

We’ll match you with an advisor who’ll give you tailored advice, help you kick-start your application, and answer any questions you’ve got.


Let us do the hard work

No need for meetings, appointments, long phone calls or paperwork. We’ll handle your application and update you every step of the way.

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What's next?

Tell this tool what you’re looking for, and it’ll search the whole market to show you real mortgages that match what you need.

If you find a deal you like, Habito can help you apply for free.

  1. Enter your information, like how much you’re looking to borrow for your mortgage, and whether you’re looking for a fixed or variable rate.
  2. The comparison tool searches 20,000 mortgages to find deals that match what you told it to look for. You’ll see the top results, ordered from lowest to highest total cost. You can also choose to order them by lowest to highest monthly payments, if you like.
  3. Feel free to experiment with different numbers. See what happens when you raise or lower your deposit. If you’re close to an LTV boundary (say you’re at 91%) try lowering it to 90% and seeing what happens to interest rates and monthly cost.
  4. If you find a mortgage you like, you can apply with Habito fast, online, and for free. We’ll make sure you’re eligible for that mortgage and do all the hard work to secure the deal for you.

You can use this tool to compare rates for buy-to-let mortgages and remortgages too.

It’s this question: ‘Do you plan to live in it or let it out?’

Just choose ‘Let it out’.

Then check the table for today’s top buy-to-let mortgages.

This tool scans the whole market - that’s more than 20,000 mortgages from 90 lenders. It shows you real deals, that are live right now and gives you a clear idea of the interest rates out there today. It also shows you the total cost of the mortgage. The total cost during the fixed period including all fees and incentives, like cashback.

Interest rates alone can’t tell you which deal is cheaper – because they don’t factor in fees. We also look at how much debt you have left to pay at the end of that period.

It gives you a more accurate picture of how different mortgage deals compare.

Our recommendation is based on the total cost during the fixed period including all fees and incentives, like cashback.

Interest rates alone can’t tell you which deal is cheaper – because they don’t factor in fees. We also look at how much debt you have left to pay at the end of that period. Your monthly repayments go towards both your mortgage, and interest.

We’ve found you the lowest cost deal where you pay the most towards your actual mortgage, and the least interest. Rate alone is what many of the banks advertise and what people usually look at but please note that the associated fees are just as important.

Your loan to value (LTV) is the size of your mortgage as a percent of the total property value.

The ‘loan’ in ‘loan to value’ is your mortgage.

Let’s say you’re buying a £200,000 house with a £20,000 deposit. That makes your mortgage £180,000.

Your LTV is £180k as a percentage of £220k = 90%.

Usually, the lower your LTV, the lower interest rates you can get. That’s because lenders calculate LTV in bands: 60%, 70%, 75%, 80%, 85%, 90% and 95%.

When you hit a new band, that unlocks lower interest rates for you, which could bring down the cost of your mortgage.

If you’re close to an LTV boundary – say you’re at 91% – it might be worth seeing if you can get to 90%. You can do this by raising your deposit, or lowering the house price you’re looking for.

This tool will show you the top rates, but not if you’re eligible for them. That’s where Habito comes in.

We’re a free online mortgage broker, which means we’ll take all the hard work of applying for a mortgage off your shoulders.

If there’s a deal that’s caught your eye, you can chat to one of our experts about it, and they’ll make sure you’re eligible. Or find you a deal that works better.

If you’ve got your eye on a deal, just set up an account with us and we’ll get on the case for you.