The lender marketplace, ranked for you.

Mortgage.ai compares more than 90 UK lenders, including high-street banks (Barclays, HSBC, Halifax, NatWest, Santander, Nationwide), building societies (Skipton, Coventry, Yorkshire) and specialists (Paragon, Kent Reliance, The Mortgage Works, Kensington, Pepper, Bluestone).

Headline 5-year fixed rates at 75% LTV currently start around 4.04% (Barclays Premier Switch) for remortgages and 4.19% (Nationwide Helping Hand) for first-time buyers at 90% LTV. Rates change daily — Mortgage.ai's AI tracks the whole market in real time.

Loan-to-Value (LTV) is the percentage of the property price you're borrowing — borrow £180,000 on a £200,000 home and your LTV is 90%. Lower LTV = lower risk to the lender = lower rate. The cheapest UK rates sit at 60% LTV, then step up at 75%, 80%, 85% and 90% bands.

APRC (Annual Percentage Rate of Charge) is the average rate over the full mortgage term, including fees and the assumption you roll onto the lender's Standard Variable Rate after your fix ends. It's typically much higher than the initial rate and isn't a great comparison metric for short fixes — total 5-year cost is more useful.

Our AI scores each lender's product against your specific profile — income multiples, LTV band, credit policy, deposit source, property type and product fees — and produces a 0–100 match score. Sort by AI match for the best fit, or by lowest rate for raw pricing.