Smarter Mortgage Quotes
Work through the numbers before the next step.
Estimate repayments, borrowing and the cost of remortgaging. Use your figures to prepare questions for an adviser, with no obligation to make an enquiry.
- Monthly budget
- Test a payment you could maintain
- Upfront costs
- Allow for fees alongside your deposit
- Next conversation
- Take your assumptions to an adviser
General information and estimates. This website does not provide regulated mortgage advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayment.
Estimate only. Excludes lender fees, broker fees, valuation, insurance, and rate changes.
Get a personalised quoteIllustrative rate examples
Mortgage rate examples
Compare illustrative mortgage rate examples by estimated monthly payment. These rows are indicative examples only, not live lender offers, mortgage advice or a guarantee that a product will be available to you.
Examples reviewed: 24 August 2026
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
| Provider type | Mortgage type | LTV basis | Rate information | Fee information | Estimated monthly payment | Initial-period estimate | Next step |
|---|---|---|---|---|---|---|---|
| Building society example | 5-year fixed purchase | 75% LTV | 4.72% indicative | £0 product fee example | £1,421 | £85,259 | Discuss this option |
| Green mortgage example | 5-year fixed purchase | 80% LTV | 4.86% indicative | £999 product fee example | £1,441 | £87,468 | Discuss this option |
| High-street lender example | 2-year fixed purchase | 60% LTV | 4.89% indicative | £999 product fee example | £1,445 | £35,691 | Discuss this option |
| Remortgage product example | 2-year fixed remortgage | Based on current equity | 4.94% indicative | £999 product fee example | £1,453 | £35,865 | Discuss this option |
| Fee-assisted remortgage example | 5-year fixed remortgage | Based on current equity | 4.99% indicative | £0 product fee example | £1,460 | £87,601 | Discuss this option |
| Offset mortgage example | 5-year fixed offset | 75% LTV | 5.09% indicative | £999 product fee example | £1,475 | £89,476 | Discuss this option |
| Buy-to-let lender example | 5-year fixed buy-to-let | 75% LTV | 5.18% indicative | £1,995 product fee example | £1,488 | £91,264 | Discuss this option |
| Tracker product example | Variable tracker mortgage | Lender criteria vary | 5.34% indicative | £1,499 product fee example | £1,511 | £37,773 | Discuss this option |
| Low-deposit lender example | 2-year fixed purchase | 90% LTV | 5.42% indicative | £0 product fee example | £1,523 | £36,559 | Discuss this option |
| Specialist lender example | 2-year fixed remortgage | Lender criteria vary | 5.67% indicative | £1,499 product fee example | £1,561 | £38,956 | Discuss this option |
The lowest headline rate is not always the lowest total cost. Product fees, incentives, early repayment charges, loan size and fixed-period length can change the comparison. Read how we compare routes and limitations.
Monthly and initial-period estimates are illustrative and exclude valuation, legal, broker and exit fees unless shown. A mortgage adviser or broker partner can discuss your circumstances before you decide whether to proceed. Example source: Saved illustrative scenarios.
Your assumptions. A clearer estimate.
All calculators →Mortgage Repayment Calculator
Test how price, deposit, rate and term change the monthly estimate.
Calculate repaymentsHow Much Can I Borrow?
Build a borrowing range from income, employment and deposit assumptions.
Estimate borrowingRemortgage Calculator
Compare your current payment with a possible new-rate scenario.
Check remortgage optionsBuy-to-Let Yield Calculator
Review gross yield, net yield and simple cash-flow assumptions.
Calculate rental yieldMortgage Overpayment Calculator
See how overpayments could shorten your term and save interest.
Estimate overpayment savingsSelf-Employed Mortgage Calculator
Borrowing estimate for sole traders, contractors and Ltd directors.
Speak to a brokerMortgage help by city
Use local mortgage pages for estimate-only calculators, property considerations and adviser callback information.
Mortgage guides by borrower type
Mortgage options can depend on your income, deposit, credit history, property type, and whether you are buying, remortgaging, or investing.
First-Time Buyer Mortgages
Deposit, affordability, schemes and documents explained.
Remortgage
When your fixed deal ends, how to compare, and what to consider.
Self-Employed Mortgages
Sole trader, contractor and Ltd director income assessments.
Buy-to-Let Mortgages
Landlord lending criteria, rental cover, and SPV options.
Bad Credit Mortgage Options
Defaults, CCJs, IVAs and how specialist lenders assess applications.
Contractor Mortgages
Day-rate income, gross annualised contracts, and lender approach.
Ltd Company Director Mortgages
Salary + dividends, retained profit, and how lenders interpret income.
Over-50s Mortgages
Lending into retirement, RIO and later-life mortgage options.
Joint Borrower Sole Proprietor
Parents or family can boost your borrowing without going on the deeds.
Shared Ownership Mortgages
Buy a share, pay rent on the rest, and check the starting share and terms with the provider.
Help to Buy & Government Schemes
An overview of selected home-buying schemes and where to check current eligibility.
How Smarter Mortgage Quotes works
Use an estimate to prepare, then decide whether to request an adviser callback.
Start with an estimate so you understand the numbers before submitting details.
Learn what lenders may look at for your situation.
Complete a short enquiry if you want to speak with a mortgage adviser or broker partner.
A broker or adviser partner may contact you to explain what could be available based on your circumstances.
Related mortgage resources in our network
These related sites provide general mortgage information and calculators for different research needs. They do not replace advice based on your circumstances.
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Independent mortgage information
Read guidance and check adviser authorisation. These links do not imply endorsement of this website.
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Numbers first, adviser review second
Smarter Mortgage Quotes starts with clear estimates so you can understand the figures before asking for a callback. The estimates do not confirm eligibility, rates, fees or suitability.