Mortgage rate examples
The best mortgage rate for you depends on your deposit or equity, mortgage type, income, credit history, property and fees. Use the table to compare indicative examples and estimate payments before requesting an adviser callback.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Illustrative rate examples
Mortgage rate comparison table
Edit the loan amount, term and mortgage type to compare up to ten illustrative rate examples by estimated monthly payment. These are not live lender offers, mortgage advice or a guarantee that a product will be available to you.
Examples reviewed: 24 August 2026
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
| Provider type | Mortgage type | LTV basis | Rate information | Fee information | Estimated monthly payment | Initial-period estimate | Next step |
|---|---|---|---|---|---|---|---|
| Building society example | 5-year fixed purchase | 75% LTV | 4.72% indicative | £0 product fee example | £1,421 | £85,259 | Discuss this option |
| Green mortgage example | 5-year fixed purchase | 80% LTV | 4.86% indicative | £999 product fee example | £1,441 | £87,468 | Discuss this option |
| High-street lender example | 2-year fixed purchase | 60% LTV | 4.89% indicative | £999 product fee example | £1,445 | £35,691 | Discuss this option |
| Remortgage product example | 2-year fixed remortgage | Based on current equity | 4.94% indicative | £999 product fee example | £1,453 | £35,865 | Discuss this option |
| Fee-assisted remortgage example | 5-year fixed remortgage | Based on current equity | 4.99% indicative | £0 product fee example | £1,460 | £87,601 | Discuss this option |
| Offset mortgage example | 5-year fixed offset | 75% LTV | 5.09% indicative | £999 product fee example | £1,475 | £89,476 | Discuss this option |
| Buy-to-let lender example | 5-year fixed buy-to-let | 75% LTV | 5.18% indicative | £1,995 product fee example | £1,488 | £91,264 | Discuss this option |
| Tracker product example | Variable tracker mortgage | Lender criteria vary | 5.34% indicative | £1,499 product fee example | £1,511 | £37,773 | Discuss this option |
| Low-deposit lender example | 2-year fixed purchase | 90% LTV | 5.42% indicative | £0 product fee example | £1,523 | £36,559 | Discuss this option |
| Specialist lender example | 2-year fixed remortgage | Lender criteria vary | 5.67% indicative | £1,499 product fee example | £1,561 | £38,956 | Discuss this option |
The lowest headline rate is not always the lowest total cost. Product fees, incentives, early repayment charges, loan size and fixed-period length can change the comparison. Read how we compare routes and limitations.
Monthly and initial-period estimates are illustrative and exclude valuation, legal, broker and exit fees unless shown. A mortgage adviser or broker partner can discuss your circumstances before you decide whether to proceed. Example source: Saved illustrative scenarios.
How to compare mortgage rates today
Compare the estimated total cost over the initial deal period, not just the advertised rate. A lower rate can cost more overall if the product fee is high or if it does not fit your loan size.
UK Mortgage Calculators is an information and introduction service. We are not a lender and we provide general information only and do not make regulated mortgage recommendations on this website. Calculator results are estimates only. If you request a callback, we may introduce you to a mortgage adviser or broker partner who can explain available options.
What can affect the rate you are offered?
- Loan-to-value, based on your deposit or current equity
- Mortgage purpose, such as purchase, remortgage or buy-to-let
- Initial period, including 2-year, 5-year and tracker options
- Product fees, incentives, valuation costs and legal costs
- Early repayment charges and overpayment rules
- Income, credit history, property type and lender criteria
Why a live quote matters
Mortgage pricing and lender criteria can change. A live quote can take account of your circumstances, the property and the lender's current criteria. It can also show whether a lower headline rate is still competitive after fees and incentives are included.
People also ask
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Calculator-led mortgage planning
UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.