Illustrative rates sorted lowest first. Fees and LTV affect your offer.
| Lender | Product | Rate | LTV | Term | Action |
|---|---|---|---|---|---|
| Nationwide | 2 Year Fixed Remortgage | 4.05% | 80% | 2 yr | Compare |
| HSBC | 2 Year Fixed Mortgage | 4.10% | 75% | 2 yr | Compare |
| Halifax | 5 Year Fixed Mortgage | 4.30% | 75% | 5 yr | Compare |
| Barclays | Tracker Mortgage | 4.55% | 85% | Variable | Compare |
A fixed-rate mortgage keeps the same interest rate for an agreed period (often two, three or five years), so your payment is predictable while the fix lasts.
Variable and tracker mortgages can change when the lender's rate or the Bank of England base rate moves. They may start cheaper but carry payment uncertainty.
When the fixed period ends you usually move to the lender's standard variable rate unless you remortgage to a new deal.
Loan-to-value (LTV) is your mortgage divided by the property value. A £300,000 loan on a £400,000 home is 75% LTV.
Lower LTV bands often qualify for better rates because the lender has more equity buffer. Raising your deposit from 10% to 25% can materially change the products available to you.
LTV limits also interact with affordability checks — income, outgoings and stress tests still apply.
Arrangement or product fees are charged for setting up the mortgage. A low rate with a high fee can cost more than a slightly higher rate with no fee, especially on smaller loans.
Valuation, legal and broker fees may apply separately. Early repayment charges can apply if you overpay or exit during a fixed period.
Compare total cost over the deal period, not the headline rate alone.