Compare Mortgage Deals | Best Mortgage Rates in UK

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Understanding Mortgage Comparisons

Comparing mortgages can be challenging. Deals might look appealing with a low initial rate, but it’s important to also consider any associated fees. We advise using annual cost as the best indicator to identify the mortgage offering the best overall value based on the loan amount.

How Annual Cost is Calculated

By focusing on annual cost, you can evaluate which mortgage is cheapest by factoring in both fees and interest rates. This cost applies only to the initial deal period, as it is usually beneficial to reassess and potentially switch mortgages when the initial deal ends to save money.

Choosing the Right Lender and Mortgage Type

Determining how much you can borrow depends on several factors, including the lender's criteria and the type of mortgage. Each lender uses different qualification standards.

As brokers who successfully placed mortgages with 59 different lenders last year, we are well-equipped to match you with the right lender to fit your borrowing needs.

Sometimes it’s possible to borrow more than the amount shown by our website’s calculator, and that’s where our expertise adds value.

Author’s summary: Evaluating mortgage deals by annual cost, considering fees and lender criteria, offers the clearest picture for finding the most cost-effective mortgage solution tailored to your needs.

L&C Mortgages — 2025-10-31