Pro Tool
Compare Every Mortgage. Side by Side.
The UK's most detailed mortgage comparison calculator — monthly payments, total interest, cost of borrowing, and stress testing for residential and buy-to-let.
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A 4.29% 2-year fix with a £999 fee can cost more than a 4.49% fee-free deal. Propty calculates the total cost of borrowing — including product fees, valuation, and legal costs — so you can compare like-for-like.
Total Cost Analysis
Over 25 years, a £180,000 mortgage at 4.5% costs you £320,000 in total. Propty breaks down how much goes to interest, capital, and fees — year by year — so you can make informed decisions about overpayments and term reductions.
UK 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.