Compare Mortgage Deals
Explore and compare the latest mortgage interest rates from over 90 lenders, including exclusive offers from L&C. Our goal is to help you find the mortgage that fits your financial situation best.
Understanding Mortgage Comparisons
Finding the right mortgage can be complex. Some deals appear attractive due to their low initial rates, but it’s essential to also consider the associated fees. To determine real value, it’s best to look at the annual cost, which combines the effect of interest rates and fees.
Annual Cost Calculation
The annual cost helps reveal which deal might be the most affordable for your loan size. Keep in mind this applies only to the initial deal term. Once that period ends, reviewing your mortgage for possible savings is strongly recommended.
“We recommend annual cost as the most accurate way to compare the overall value of mortgage deals.”
How Much Can You Borrow?
The total amount you can borrow depends on several factors, one of the most critical being the lender. Each lender sets unique criteria. As brokers, we successfully arranged mortgages with 59 different lenders last year, ensuring clients were matched with suitable borrowing options.
“Sometimes you may be eligible to borrow more than the calculator on our website suggests — that’s where our expertise helps.”
Key Factors Influencing Borrowing
- The lender’s specific criteria and approval policies
- Your income, expenses, and credit profile
- The type and term of mortgage selected
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Author’s summary: A concise, practical guide on comparing UK mortgage deals, highlighting the value of annual cost and lender choice in finding the best borrowing options.