Pro Tool
Compare UK mortgage products side by side. Monthly payments, total cost of borrowing, interest vs capital. Residential, BTL, limited company. Instant results.
Calculate Your SDLT — FreeUK mortgage rates change daily. As of early 2025, competitive 2-year fixed rates sit around 4.0-4.5% and 5-year fixes around 4.2-4.7% for residential borrowers at 75% LTV. BTL rates are typically 0.5-1% higher. Our calculator helps you compare the total cost — not just the rate.
Repayment mortgages cost more per month but you own the property outright at the end. Interest-only is cheaper monthly but you must repay the full loan at the end of the term. Most BTL investors use interest-only to maximise cashflow. Our tool shows the difference clearly.
Lenders typically stress test at the product rate plus 3-4%, or a floor rate of around 8%, whichever is higher. This ensures you can still afford payments if rates rise. For BTL, lenders check that rent covers 125-145% of the stress-tested interest-only payment.
It depends on your loan size and how long you keep the product. On a £180,000 mortgage, a £999 fee that saves 0.2% in rate pays for itself in about 33 months. If you're on a 2-year fix, a fee-free deal might be cheaper overall. Our calculator works this out for you.
Yes — limited company (SPV) mortgages are common for BTL investors, especially portfolio landlords. Rates are slightly higher (0.25-0.75% more) but the tax benefits under Section 24 can make it worthwhile. Our tool lets you model both personal and company purchases.