Mortgage Types UK - Find the Right Mortgage
Understanding different mortgage types is essential for finding the right deal. From first-time buyer mortgages to buy-to-let options, each type has unique features, requirements, and benefits. Use our guides below to learn which mortgage suits your situation.
First-Time Buyer Mortgage
Special rates and schemes designed for people buying their first home, including Help to Buy and stamp duty relief.
8,100+ monthly searches
Buy to Let Mortgage
Mortgages for landlords and property investors. Different criteria based on rental income rather than personal income.
40,500+ monthly searches
Remortgage Calculator
Calculate if switching your mortgage to a new deal could save you money. Compare costs and savings.
27,100+ monthly searches
Fixed Rate Mortgage
Your interest rate stays the same for a set period, giving predictable monthly payments.
10,000+ monthly searches
Tracker Mortgage
Your rate tracks the Bank of England base rate, rising and falling with it.
3,600+ monthly searches
Interest-Only Mortgage
Pay only the interest each month, with the capital repaid at the end of the term.
2,900+ monthly searches
Which Mortgage Type Is Right for You?
Buying your first home?
Start with a first-time buyer mortgage. You may qualify for special rates, stamp duty relief, and government schemes like Help to Buy.
Investing in rental property?
A buy to let mortgage is assessed on rental income rather than your salary. Use our BTL calculator to check viability.
Want predictable payments?
A fixed rate mortgage locks in your interest rate for 2-5 years, protecting you from rate rises.
Think rates will fall?
A tracker mortgage follows the Bank of England base rate, so you'll benefit from any cuts.