# How do I compare mortgage deals in the UK?

> Quick answer · Last updated 5 July 2026

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## In short

Compare APRC, arrangement fees, early repayment charges and LTV band — a low rate with a high fee can cost more over five years than a slightly higher free-fee deal.

LTV bands at 90%, 85%, 80%, 75% and 60% trigger different rates.

Add fees and cashback to five-year cost comparisons.

Mortgage hard searches within 30 days usually count as one shopping event.

See compare mortgage deals guide and compare two mortgages calculator.

## Related

- [Compare mortgage deals](https://moneyguide.org.uk/mortgages/compare-mortgage-deals-guide/)
- [Remortgage guide](https://moneyguide.org.uk/mortgages/remortgage-guide/)
- [Compare mortgages calculator](https://moneyguide.org.uk/tools/compare-two-mortgages-calculator/)

## Primary source

fca.org.uk/consumers/mortgages

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.