Mortgage Finder

A mortgage finder helps you explore mortgage products based on details such as your property value, deposit, income and preferred mortgage term.

Our mortgage finder makes it easier to compare estimated monthly repayments, initial interest rates, product fees, deal periods and APRC in one place.

This can give you a clearer idea of the options available and help you understand which mortgage products may suit your circumstances.

The results are illustrative rather than a mortgage offer or personalised recommendation, as the products and rates available will depend on affordability, credit history, the property and individual lender criteria.

A mortgage finder can provide a helpful indication of the mortgage products that may be available based on the information you enter.

Providing accurate details about your property value, deposit, income and preferred mortgage term will help produce more relevant results.

The results can help you compare mortgage rates, estimated monthly repayments and product fees.

They provide a useful starting point before a lender confirms the mortgage products you are eligible for through its affordability assessment, credit checks and property valuation.

APRC stands for Annual Percentage Rate of Charge. It shows the estimated annual cost of a mortgage across its full term as a percentage, taking account of the interest rate and relevant mortgage fees.

APRC can help you compare the overall cost of different mortgage products more easily.

It is still worth considering the initial interest rate, monthly repayments, product fees and deal period, particularly if you plan to switch mortgages before the full term ends.

A good way to compare mortgage deals is to look at the initial interest rate, estimated monthly repayments, product fees, deal period and APRC.

Our mortgage finder brings these details together, making it easier to explore different products and see how their costs compare.

The right option for you will depend on your borrowing needs and how long you expect to keep the mortgage deal.

Looking at the total cost alongside the initial rate gives you a fuller picture of each product, including any mortgage fees or early repayment charges that may apply.

Your property value, deposit, combined income and preferred mortgage term can help build an initial picture of what may be affordable.

Our mortgage finder uses these details to show relevant products and estimated monthly repayments, helping you explore how different mortgage options could fit your budget.

A lender will carry out a more detailed affordability assessment using information about your income, regular outgoings, existing credit commitments and employment.

This helps the lender establish a suitable borrowing amount and check that the monthly repayments remain manageable.

You can use our mortgage finder to explore available products without affecting your credit score.

The tool uses the property value, deposit, income and mortgage term you enter to display illustrative results, with no credit check needed at this stage.

If you later request an agreement in principle or submit a mortgage application, the lender may complete a credit check.

Many lenders use a soft search for an agreement in principle before carrying out a hard search during the full mortgage application, so you should be told which type of check will take place.

Your mortgage finder results are based on the information entered, including the property value, deposit, income and mortgage term.

Updating any of these details can change the amount you wish to borrow and the mortgage products that match your search.

Lenders also update their interest rates, fees, products and lending criteria over time.

Running a new search helps you view the latest options available through our mortgage finder, while the lender will confirm the product and rate as part of the mortgage application.