Homeowner mortgages

Whether you are becoming a homeowner for the first time, moving to your next home or remortgaging the home you already own, your mortgage is an important financial decision. A mortgage isn't just a monthly payment: it affects how much you pay overall, how flexible your plan is if your circumstances change, and what options you may have in the future.

Your message

Your Name

Your Email

Your Phone Number

Please provide either an email address or a phone number so we can reply. Name and message are optional.

Mortgages for your home

Mortgages for Home Movers

Compare today's best-buy home mover mortgages by deposit size, then talk to our advisers about porting your current deal, switching lender, or borrowing more to fund your next move.

Mortgages for Homeowner Remortgage

Compare remortgages and product transfers, review your rate and explore additional borrowing for your home.

Mortgages for First-Time Buyers

Compare today's best-buy first-time buyer mortgages by deposit size, then talk to our mortgage advisers for guidance from your first question to the keys in your hand.

How our homeowner mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

What is a residential mortgage

A residential mortgage is a loan secured against a property you intend to live in. Because it's secured, lenders generally focus on two broad areas:

The property (including valuation and suitability)
Your ability to make repayments (based on income, outgoings and affordability)

Most residential mortgages are repaid over a fixed term through monthly payments.

🏠Talk to our Mortgage Advisers about Homeowner Mortgages

Your message

Your Name

Your Email

Your Phone Number

Please provide either an email address or a phone number so we can reply. Name and message are optional.

Comparing mortgages: rate isn't the whole story

It's easy to focus on the headline interest rate, but the overall picture is usually more complex. The rate drives your monthly payment, yet the total cost of a mortgage depends on much more than the rate alone.

That's because every deal carries other costs and features the headline rate ignores. When comparing mortgages, it's worth weighing up:

Arrangement fees — whether added to the loan or paid upfront, these can offset a lower rate
Valuation fees
Legal and conveyancing costs — often paid separately, but part of the wider purchase or remortgage costs
Early repayment charges — relevant if you might move or switch during the initial period

A mortgage with a lower headline rate may not be cheaper once fees are factored in — which is why it helps to compare deals on their true cost rather than rate alone.

Your deposit or existing equity also matters, because it helps determine the loan-to-value (LTV) band you fall into, and that directly shapes the rates available to you. Here's how the lowest true-cost home purchase mortgages compare across different LTV bands — the same £100,000 loan, different deposit sizes:

Term length: monthly payments vs overall interest

The mortgage term affects both affordability and total cost.

Shorter terms often mean higher monthly payments, but usually less interest paid overall
Longer terms often mean lower monthly payments, but usually more interest paid overall

The "best" term depends on how you want to balance monthly affordability with total cost over time.

Mortgage term

25years

Years

Mortgage amount

Mortgage rate

Total monthly mortgage payment*

£0.00

Capital repayment*: £0.00
Interest*: £0.00

Total interest paid over 25 years

£0.00

Amount borrowed: £0.00
Total repaid: £0.00

* Reflects month 1 only. As the balance is repaid each month, the interest portion falls and the capital portion rises — the total monthly payment stays the same throughout the term. Figures are illustrative, use monthly interest, and may differ from lender calculations.

What influences the mortgage you're offered

Even when two borrowers have similar properties and deposits or equity, the mortgage options available can differ because lenders assess risk using a combination of factors, such as:

affordability (income vs outgoings)
deposit or equity (LTV)
credit history
employment status and stability of income
property type and valuation
mortgage structure (fixed, variable, tracker, discounted)

Our residential mortgage lenders

These lenders offer residential mortgages. We compare their criteria and available products to find options that fit your first home, next home or remortgage.

59+ lenders

A practical checklist for comparing homeowner mortgages

Work from your budget: identify the monthly repayment you can comfortably manage.
Choose the right repayment structure: repayment vs interest-only.
Match the rate type to your plans: stability (fixed) vs flexibility (variable).
Compare total cost: look at APRC where available and include fees, not just the interest rate.
Check early repayment terms: understand potential charges if you move or switch during an initial period.
Consider term length: balance monthly affordability with overall interest.
Factor in LTV: your deposit or equity can affect both options and pricing.

Homeowner mortgage guides

The Dangers of Leasehold

Leasehold is the most common way to buy a flat in the UK; however, the important context to understand with Leasehold is that you are not buying a property; you are buying a tenancy. This exposes leaseholders to many ownership risks that are not present for property owners.

Bad credit? Why you dont need to wait for mortgage.

Bad credit doesn’t automatically rule you out of a mortgage. Understand why specialist lending may be available sooner than you think, what lenders look at, and how to strengthen your application.

Affordability: Can I get a mortgage on maternity leave?

A practical guide to how maternity leave can affect mortgage affordability, what lenders may consider, and how to strengthen your application when income is temporarily lower.

Different types of mortgages

A clear guide to the main mortgage types in the UK, including repayment methods, fixed and variable rates, specialist options and government-backed schemes—helping home buyers understand what to look for.

Repayment Types: What is a repayment mortgage?

Learn how repayment mortgages work, the main types of repayment structure and interest rates, and how they compare with interest-only mortgages.

Self-Employed: Self-Employed Mortgage With 1 Year’s Accounts

A practical guide to getting a residential mortgage when you’re self-employed and only have one year’s accounts, including what lenders look for and how to strengthen your application.

Impaired Credit: Getting a Mortgage After Late Payments

Learn how late payments and missed payments can affect mortgage applications, what lenders typically look for, and practical steps to improve your chances of approval.

Impaired Credit: Can you get a mortgage with an IVA?

A clear guide for home buyers on how an Individual Voluntary Arrangement (IVA) can affect mortgage applications, typical waiting times, and what lenders look for once an IVA is satisfied.

Affordability: Getting a Mortgage as a Single Person

A practical guide to buying a home with a sole mortgage applicant in the UK, covering affordability, deposits, self-employment, credit history, and common mortgage options.

Mortgage illustrations and calculators (illustrative only)

Mortgage calculators can help you estimate what monthly repayments might look like based on assumptions you choose, such as mortgage type, term length and interest rate.

Illustrative figures are not a mortgage quote. Actual repayments can vary depending on the mortgage product, fees and the interest rate offered based on your circumstances.

Summary: choosing a mortgage for your home

A well-rounded mortgage comparison typically considers:

repayment term structure
how the interest rate behaves over time (fixed, variable, tracker, discounted)
LTV and how it affects options
total cost, including fees
the initial rate period and what happens after it ends
term length and the trade-off between monthly payments and overall interest

Understanding these elements first can make it easier to narrow down the mortgage options that fit your budget and your plans.