About Us

There is hardly anything more nerve-racking than taking out a mortgage. After all, it is probably the biggest financial decision you will ever have to make, and it is so important that you get it right. That is why it pays to seek expert advice and guidance, and that is where we at mortgagerates.co.uk come in.

To anyone unfamiliar with the mortgage system, especially a first-time buyer, who has no experience whatsoever, it can appear to be a very complicated and confusing process, not least because of the fact that there are thousands of deals from which to choose.

You will, however, feel much more confident and optimistic once we have talked you through the basic areas in which you need to give careful consideration in order to come to the conclusion that best suits your financial situation.
It is a challenge, but we can help you meet it. Our mortgage comparison service is second to none and if you need any additional advice we are always here to help you successfully through the application process.
Our aim at mortgagerates.co.uk is to find the best rate for you.

So, what do we offer?
First of all, a whole range of mortgages designed to assist you as our customer. In doing so we will also point out certain conditions that may be attached, For example, mortgages can vary from time to time, so it is important to look for different levels of flexibility and security.

It is possible sometimes for a mortgage to be offered to a specific type of buyer or a limit put on the mortgage amount. In all cases, though, mortgages will be subject to a maximum Loan to Value, known as LTV. You may well ask: what is that? LTV is all about how much mortgage you have in relation to how much your property is worth. It’s normally a percentage figure that reflects the percentage of your property that is mortgaged, and the amount that is yours (the amount you own is usually called your equity). To find a mortgage that is right for you, it will be necessary to calculate your LTV. You can find it by using our mortgage calculator.

You also need to consider the different types of mortgage – fixed rate, tracker or discount – and we will explain them all to you in a way that you can easily understand. There are additional costs, such as set-up fees to take into account; you have to decide on the mortgage term; whether you want repayment or interest only.

There are so many things to consider in order to obtain the best deal, and we will do all we can to ensure that you come to the right decision. That is why we are here. That is our job. And no-one does it better.