Compare UK mortgage deals 2026
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UK mortgage deals compared by initial fixed rate, APRC, maximum LTV and term. Not sure what monthly payment you can afford? Work out your monthly repayment first, then request tailored quotes.
| Lender | Initial rate (from) | APRC | Max LTV | Max term | |
|---|---|---|---|---|---|
| Halifax Market reference | from 4.59% | ~6.8% | 90% | 35 yrs | View deal |
| Nationwide | from 4.64% | ~6.9% | 95% | 35 yrs | View deal |
| Barclays | from 4.69% | ~7.0% | 90% | 40 yrs | View deal |
| NatWest | from 4.74% | ~7.1% | 90% | 35 yrs | View deal |
Illustrative figures. The rates and APRC above are 2026 examples, not live quotes. Your actual cost depends on your deposit, credit profile, the property and each lender's criteria at the time you apply. Always check the current offer directly with the lender. This is not financial advice.
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How to compare UK mortgages
When you compare mortgages, look at the APRC (Annual Percentage Rate of Charge) rather than just the headline initial rate: the APRC folds in arrangement fees, valuation costs and the lender's standard variable rate (SVR) you revert to after the deal period, so it reflects the true long-run cost. Check the deal type too — a fixed rate (typically 2, 5 or 10 years) protects you from rate rises during that window, while a tracker moves with the Bank of England base rate. Your loan-to-value (LTV) matters: a bigger deposit unlocks lower rates, and most lenders cap standard residential lending at 90-95% LTV. Finally, weigh the arrangement fee against the rate — a low rate with a large fee can cost more on a small loan than a slightly higher fee-free deal.
→ Calculate your monthly payment and total cost before requesting quotes, so you know exactly what range you're in.