Today’s best residential rates, for every kind of borrower.
First-time buyer, home mover and remortgage best-buys side by side — fixed and tracker, 2 to 10 year terms, built from lender data we ingest and quality-check every night.
First-time buyer best rates
Top deals for buying your first home, ranked by initial rate at your deposit size.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H HalifaxBest rate | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 2 L Lloyds Bank | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 3 T The Co-operative Bank | 4.38% | £1,373on £250,000 | Dec 2029 | 6.62% | £499 | See full deal → |
| 4 H Halifax | 4.47% | £1,385on £250,000 | Sept 2028 | 7.24% | None | See full deal → |
| 5 L Lloyds Bank | 4.47% | £1,385on £250,000 | Sept 2028 | 7.24% | None | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Deep dive: best first-time buyer rates by term →
Home mover best rates
Moving home? The lowest rates for a new purchase mortgage.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H HalifaxBest rate | 4.27% | £1,357on £250,000 | Sept 2028 | — | £999 | See full deal → |
| 2 L Lloyds Bank | 4.27% | £1,357on £250,000 | 2 yrs | 7.24% | £999 | See full deal → |
| 3 L Lloyds Bank | 4.47% | £1,385on £250,000 | 2 yrs | 7.24% | None | See full deal → |
| 4 N Nationwide BS | 4.64% | £1,410on £250,000 | 2 yrs | 6.49% | NoneFree valuation | See full deal → |
| 5 H HSBC Bank | 4.68% | £1,415on £250,000 | Oct 2028 | 6.24% | None£350 cashbackFree valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Deep dive: best home mover rates by term →
Remortgage best rates
Fix ending? The cheapest deals to switch to, before your lender's standard rate bites.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 S Skipton BSBest rate | 3.24% | £1,217on £250,000 | Oct 2028 | 6.29% | None | See full deal → |
| 2 L Leeds BS | 4.43% | £1,380on £250,000 | Sept 2028 | 7.74% | £1,599£200 cashbackFree valuation | See full deal → |
| 3 N Nationwide BS | 4.46% | £1,384on £250,000 | 2 yrs | 6.49% | £999Free valuation | See full deal → |
| 4 Y Yorkshire BS | 4.78% | £1,430on £250,000 | Oct 2028 | 6.74% | NoneFree legalsFree valuation | See full deal → |
| 5 N Nationwide BS | 4.78% | £1,430on £250,000 | 2 yrs | 6.49% | NoneFree valuation | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Deep dive: best remortgage rates by term →
Residential mortgages — loans on the home you live in — are priced on three things: why you’re borrowing, how much equity or deposit you have, and how long you want your rate locked for. Lenders publish separate product ranges for first-time buyers, home movers and remortgagers, and the best deal in one range is often mediocre in another. That’s why the tables above rank each purpose separately rather than mixing everything into one list.
Your loan-to-value band matters more than any other single factor: each 5% band of extra deposit or equity typically buys a cheaper rate, with the biggest steps below 85% and 75% LTV. Use the selector above to price your own band, then open the purpose page that matches your situation for term-by-term best buys and the trade-offs between them.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
Mortgages only
We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.
Frequently asked questions
How these tables work, and how to choose between the deals on them.