Best buy tables

The best buy tables below provide a live feed of the latest mortgage deals in the UK.

Use the filters to select mortgage type and product length and find options suited to your needs. Remember, rates change daily and are subject to lender criteria. As such, it is always best to speak with one of our mortgage brokers to assess your circumstances and consider suitable options tailored to your requirements that may not currently be listed.

How to read the mortgage best buy table

• Rate. The initial interest rate offered.
• APRC. The annual percentage rate of charge, showing the total cost of borrowing expressed as an annual percentage, including interest and certain fees.
• Fees. Any arrangement or booking fees included in the deal.
• Incentives. Special offers such as cashback or free valuations.

Tip: The cheapest rate isn’t always the best deal. Consider APRC and fees when comparing mortgages.

Mortgage types

• First-time buyer deals. Designed for those with smaller deposits. Rates vary depending on your Loan to Value (LTV).
• Remortgage deals. Often come with free valuations or legal fees, but always check the total cost of borrowing.
• Buy to Let deals. Rates depend on rental yield calculations and lender stress tests.

Tip: If you’re remortgaging within 6 months, some lenders let you secure today’s rate in advance.

Mortgage market commentary

During the third quarter of 2026, mortgage lenders continued to review and adjust their product ranges in response to changing funding costs and interest rate expectations. While mortgage pricing fluctuated throughout the quarter, borrowers have continued to have access to a wide choice of fixed and variable-rate deals, making it more important than ever to compare the market for the most competitive rates.

FAQs

How often are these mortgage rates updated?

Rates are updated daily but may change throughout the day.

Are these the lowest rates available?

They represent current best buys, but eligibility and lender criteria may affect availability.

Do the best buys include lender fees?

Some mortgage deals include lender fees, while others are fee-free. Always check the individual product details when comparing deals.

What’s the difference between a fixed and tracker rate?

Fixed rates stay the same for a set period; tracker rates move with the Bank of England base rate.

Can I apply for one of these mortgages online?

Many lenders allow online applications, but personalised advice from a broker is recommended.

Compliance notice

These rates are subject to change, and not all applicants will qualify. Speak to a broker for personalised advice.

Related links

• Learn more about typical first-time buyer deals, including rates for smaller deposits and how Loan to Value affects your options.
• Stay informed on broader mortgage trends, including how fixed and tracker rates are evolving over time.
• Get personalised, fee-free guidance to help you understand which mortgage deals best suit your circumstances.

Updated 21st October 2026