Mortgages
How do I compare mortgage deals in the UK?
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In short: Compare APRC, arrangement fees, early repayment charges and LTV band — a low rate with a high fee can cost more over five years than a slightly higher free-fee deal.
Content updated:
LTV bands at 90%, 85%, 80%, 75% and 60% trigger different rates.
Add fees and cashback to five-year cost comparisons.
Mortgage hard searches within 30 days usually count as one shopping event.
See compare mortgage deals guide and compare two mortgages calculator.
Part of our Mortgages & first homes
This quick answer sits inside our wider mortgages & first homes hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full mortgages & first homes guide →