Access whole-of-market mortgage advice from FCA-regulated brokers. Whether you're a first-time buyer, remortgaging, or investing in buy-to-let — compare brokers and get free, personalised quotes.
🏠 First-Time Buyers: You may qualify for 95% LTV mortgages, Help to Buy ISA bonuses, and lender-specific first-time buyer incentives. Our brokers specialise in guiding new buyers through the full process — from Agreement in Principle to completion.
Estimate your monthly payments, total interest, and loan-to-value ratio. Adjust the sliders to explore different scenarios.
Results update in real-time as you adjust the sliders
📊 Blue = outstanding balance · Green = cumulative interest paid. These are estimates only — actual rates depend on your credit profile, lender, and product chosen. Compare brokers →
💡 Don't forget Stamp Duty! First-time buyers pay 0% on the first £300,000. Use our Stamp Duty Guide & Calculator →
Matched to FCA-regulated whole-of-market brokers
All brokers are FCA-regulated and access the whole market. Compare their specialisms and get free, no-obligation advice.
All brokers are FCA regulated · Results based on your criteria · Free, no-obligation service
A broker searches the whole market — including exclusive deals not available direct — and handles all the paperwork. Here's what you gain.
A good broker has access to 90+ lenders and 10,000+ products — including exclusive rates you can't get going direct to a bank.
Moving Merchant users save an average of £3,200 over a 2-year fixed deal compared to accepting their bank's standard rate.
Many brokers can secure an AIP within 24 hours, giving you a credible offer when bidding on a property.
All brokers on Moving Merchant are FCA authorised. If you receive poor advice, you have recourse through the Financial Ombudsman Service.
Your broker manages the application, liaising with the lender, solicitor, and surveyor — reducing stress and delays.
Many brokers charge no fee for standard residential mortgages, earning commission from the lender instead. Always ask upfront.
Tell us about your situation — our brokers will check your eligibility across 90+ lenders for free, with no impact on your credit score.
Getting mortgage advice through Moving Merchant takes less than 5 minutes. Here's what happens next.
Complete our short form with your property details, deposit, income, and preferred mortgage type.
We match you to FCA-regulated whole-of-market brokers who specialise in your situation.
Your broker searches 10,000+ products, presents the best options, and explains the pros and cons.
Your broker handles the full application, valuation, and mortgage offer — right through to completion.
The whole process from initial advice to mortgage offer typically takes 2–6 weeks depending on lender. Read our moving timeline guide →
Common questions about using a mortgage broker and getting the best deal.
Many brokers offer a free service for standard residential mortgages, earning commission (known as a “procuration fee”) from the lender — typically 0.35–0.40% of the loan. Others charge a flat fee (£300–£700) or a percentage of the loan (0.3–0.5%). Fees must be disclosed in writing before any application.
For complex cases (adverse credit, complex income, BTL portfolio), expect to pay a broker fee. Always check whether a broker fee-free deal or a broker fee + lower rate works out cheaper overall.
For most borrowers, a whole-of-market broker will find a better deal than going direct. Banks only offer their own products, while a broker can compare 90+ lenders including building societies, challenger banks, and specialist lenders that do not deal with the public directly.
The only exception is if you already have a strong relationship with your bank and they offer an exclusive retention rate when you remortgage — even then, it is worth having a broker check the wider market first.
An Agreement in Principle (also called a Decision in Principle or Mortgage in Principle) is a statement from a lender confirming how much they would be willing to lend you, subject to full underwriting. It is not legally binding, but estate agents use it to confirm you are a credible buyer.
Most brokers can arrange an AIP within 24–48 hours. Some use a soft credit search (no impact on credit score); others do a hard search. Always ask your broker which type they use.
Yes — most lenders require 2–3 years of self-assessment tax returns (SA302s) to assess your income. If you are a company director, lenders typically look at salary plus dividends. If you have just 1 year of accounts, some specialist lenders will still consider you.
A broker who specialises in self-employed mortgages will know which lenders are most flexible and how to present your income in the best light — which can make a significant difference to the rate and amount you are offered.
A Decision in Principle can be obtained in 24–48 hours. The full mortgage application — from submission to formal offer — typically takes 2–6 weeks, depending on the lender’s processing times, the complexity of your case, and how quickly you provide documents.
From mortgage offer to completion, allow a further 4–12 weeks for the conveyancing process. In total, budget for 8–16 weeks from application to completion — though some straightforward cases move faster.
A 5-year fix gives you certainty for longer and protects against rate rises — often at a small premium over 2-year rates. A 2-year fix gives you flexibility to remortgage sooner if rates fall.
If you plan to move within 2–3 years, a 2-year fix (or a product with a portable mortgage feature) is usually better. Your broker can model both scenarios based on current rates and help you decide.
Common questions about using the calculator and understanding your results.
The calculator gives you a reliable estimate of your monthly repayments based on the property price, deposit, interest rate, and mortgage term you enter. It uses the standard annuity formula used by lenders for repayment mortgages.
It is intended as a planning guide — actual payments will depend on your specific mortgage product, lender fees, and whether you choose a repayment or interest-only structure. Always confirm figures with a broker or lender before making decisions.
Loan-to-Value (LTV) is the percentage of the property price you are borrowing. For example, a £240,000 mortgage on a £300,000 property is an 80% LTV. The remaining 20% is your deposit.
LTV is one of the most important factors in determining your interest rate. Lower LTV means lower risk for the lender and typically unlocks better rates. The best deals are usually available at 60% LTV or below — at 90–95% LTV, you will pay a noticeably higher rate.
With a repayment mortgage, each monthly payment covers both the interest and a portion of the capital. By the end of the term, you own the property outright. This is the standard option for residential buyers.
With an interest-only mortgage, your monthly payments only cover the interest — the capital balance stays the same throughout the term. You need a separate repayment vehicle (such as investments or a property sale) to clear the balance at the end. Interest-only is common for buy-to-let but rare for residential mortgages today.
A longer term reduces your monthly payment but significantly increases the total interest paid over the life of the mortgage. For example, a £200,000 mortgage at 4.5% costs approximately £1,111/month over 25 years but £888/month over 35 years — yet you pay around £75,000 more in total interest on the longer term.
Use the term slider to see the trade-off between monthly affordability and total cost. Many borrowers choose 25 years as a starting point, then overpay when possible to reduce the balance faster.
The minimum deposit for most residential mortgages is 5% of the purchase price (95% LTV). However, rates improve significantly as your deposit increases — 10% (90% LTV), 15% (85% LTV), and especially 25%+ (75% LTV or lower) unlock progressively better deals.
For buy-to-let mortgages, lenders typically require a minimum 25% deposit. First-time buyers with a 5–10% deposit should explore the Mortgage Guarantee Scheme and Lifetime ISA options with their broker.
Most lenders offer between 4× and 4.5× your gross annual income (or combined income for joint applications). Higher earners may access up to 5× or 5.5× with select lenders. The exact figure depends on your outgoings, existing debts, credit score, employment type, and deposit size.
The calculator shows you estimated monthly payments for a given loan amount — adjust the property price and deposit sliders to find a comfortable monthly figure, then speak to a broker to confirm your actual maximum borrowing.
As a starting point, use a rate close to current market levels for your LTV. In 2026, two-year fixed rates typically range from approximately 3.9% to 5.0% depending on LTV, while five-year fixes sit slightly lower for the same LTV band. Variable and tracker rates fluctuate with the Bank of England base rate.
Try the calculator at a few different rates to stress-test affordability — for example, test at your expected rate and also at 1–2% higher to ensure payments remain manageable if rates rise before you fix.
No — the calculator runs entirely in your browser and does not submit any personal data or perform any credit check. There is no impact on your credit score whatsoever.
A credit check only occurs when you formally apply for a mortgage or request a Decision in Principle from a lender. Many brokers offer a soft-search AIP that also has no impact on your credit file — ask your broker about this when you are ready to proceed.