Mortgages

About to buy a new home? Chances are you'll need a mortgage. And factors such as interest rate, flexibility and tie-ins are crucial to get right. Start your research here.

Could you get a better mortgage deal?

Check if you could get lower rates, smaller fees and better customer service before you commit. You can compare thousands of different mortgages* suitable for remortgaging or first time buyers with Zoopla's partner uSwitch.

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Mortgages

Navigating the world of mortgages can be tricky and time-consuming – which is why we've put together a comprehensive and easy-to-read set of guides to help you pick the right mortgage to buy your new home.

What type of mortgage do I need?

There are two main types of mortgages: fixed rate and variable rates – the latter are often trackers.

Fixed rate mortgages: you buy into an interest rate that stays the same for a set number of years, usually 2 or 5, but timeframes vary across mortgage providers.

Variable rate mortgages: your interest rate is subject to change. With trackers deals, it will mirror the rate set by the Bank of England by a certain margin.

This means when rates are low, you might get a good deal. But on the other hand, you should be prepared for your mortgage costs to rise at any time.

We've partnered with uSwitch to help you find the right mortgage for you, whether you’re a first-time buyer or a homemover.

Everything you need to know about mortgages

If you can't decide whether to fix or get a tracker mortgage, our guides can help with a simple explainer of the pros and cons for each option.

You can also pay down your mortgage quicker if you decided to make overpayments every month, or take up one of the other tips in our guide: '5 ways to pay off your mortgage faster'

Tips for comparing mortgages

Check your credit score: Improve your chances of being approved for a mortgage by checking your credit report and avoid a nasty surprise at the lender.

Compare the interest: Many lenders offer deals where certain fees are waived, but remember the interest rate is what's important. Over a 20- or 30-year mortgage term you want to ensure you get the best possible deal.

Penalties and terms and conditions: Ask what happens if you want to switch your mortgage or pay it off early – what are the fees, and how difficult will it be to move to another lender?