COMPARE TODAY’S BEST
MORTGAGE RATES AND DEALS
Finding the right mortgage deal starts with knowing what is available to you. Use Saga's free mortgage comparison tool – powered by our partnership with award-winning broker Tembo – to compare live mortgage rates from over 100 lenders in one place.
Please note the interest rates are just a guide. To find the best deals available to you, simply create your free personal mortgage plan using our fact find.
The interest rates you're shown are an indication only and are subject to specific eligibility criteria.
Top picks for {nn} mortgage deals
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- Monthly Cost 2406.58
- Set up Fees 899.0
- Cost over144394.80
- Initial rate 5.13%
Barclays Bank
Cashback: £0.00
Rate after deal ends: 5.74%
Product name: 5 Year Fixed £899 Fee Purchase Premier C/A
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2414.26
- Set up Fees 1099.0
- Cost over144855.60
- Initial rate 5.19%
Halifax
Cashback: £0.00
Rate after deal ends: 7.24%
Product name: Lloyds Loyalty Premier FTB 5 Year Fixed £999 Fee Purchase
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2418.68
- Set up Fees 999.0
- Cost over145120.80
- Initial rate 5.23%
HSBC
Cashback: £0.00
Rate after deal ends: 6.24%
Product name: C/A Premier Only 5 Year Fixed £999 Fee Purchase Standard
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2426.25
- Set up Fees 1499.0
- Cost over145325.00
- Initial rate 5.25%
Santander UK Plc
Cashback: £250.00
Rate after deal ends: 6.5%
Product name: 5 Year Fixed £1499 Fee Purchase Cashback
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2422.00
- Set up Fees 999.0
- Cost over145320.00
- Initial rate 5.26%
Coventry BS
Cashback: £0.00
Rate after deal ends: 6.54%
Product name: FTB 5 Year Fixed £999 Fee Purchase
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2425.31
- Set up Fees 999.0
- Cost over145518.60
- Initial rate 5.29%
Virgin Money
Cashback: £0.00
Rate after deal ends: 6.74%
Product name: GREEN NEW BUILD ONLY 5 Year Fixed £999 Fee Purchase
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2431.42
- Set up Fees 995.0
- Cost over145635.20
- Initial rate 5.31%
NatWest
Cashback: £250.00
Rate after deal ends: 6.74%
Product name: FTB 5 Year Fixed £995 Fee £250 Cashback
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2431.62
- Set up Fees 999.0
- Cost over145897.20
- Initial rate 5.31%
Nationwide BS
Cashback: £0.00
Rate after deal ends: 6.49%
Product name: 5 Year Fixed £999 Fee Existing Borrowers
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2440.15
- Set up Fees 1495.0
- Cost over146409.00
- Initial rate 5.34%
Yorkshire Building Society
Cashback: £0.00
Rate after deal ends: 6.74%
Product name: Direct 5 Year Fixed £1495 Fee Purchase Free Val
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2433.07
- Set up Fees 999.0
- Cost over145984.20
- Initial rate 5.36%
Monmouthshire BS
Cashback: £0.00
Rate after deal ends: 7.99%
Product name: 5 Year Fixed £999 Fee Purchase
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2428.48
- Set up Fees 0.0
- Cost over145708.80
- Initial rate 5.38%
Bank Of Ireland
Cashback: £0.00
Rate after deal ends: 6.94%
Product name: New Build 5 Year Fixed No Fee Purchase Free Val
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2436.35
- Set up Fees 995.0
- Cost over145681.00
- Initial rate 5.39%
TSB
Cashback: £500.00
Rate after deal ends: 7.24%
Product name: 5 Year Fixed £995 Fee Purchase £500 Cashback
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2445.66
- Set up Fees 999.0
- Cost over146739.60
- Initial rate 5.47%
Leeds BS
Cashback: £0.00
Rate after deal ends: 7.74%
Product name: FTB 5 Year Fixed £999 Fee
Early repayment charges: ...
Terms and Conditions Apply
- Monthly Cost 2458.29
- Set up Fees 1995.0
- Cost over147497.40
- Initial rate 5.49%
Skipton BS
Cashback: £0.00
Rate after deal ends: 6.29%
Product name: 5 Year Fixed £1995 Fee Purchase
Early repayment charges: ...
Terms and Conditions Apply
Why comparing mortgage rates matters
No two mortgages are the same – and neither are two borrowers. The rate you’re offered depends on factors specific to your situation, like your deposit or equity, the property value, your income and your age. Going straight to one lender means you only see what that lender wants to show you. Using a comparison calculator with today's mortgage rates means you can compare mortgage deals much more easily.
Shopping around is more important than you might think. When you’re looking for the best mortgage deals, a tiny difference in your interest rate can add up to thousands of pounds over the life of a mortgage.
If you’re over 50 and looking for a mortgage, you’re not alone. According to data from the FCA, there were over 180,000 new mortgages taken out by people aged 51 or older in 2025, a 14% increase on 2024, and there was a 22% increase in first time buyers aged 51 and above between 2024 and 2025.
Mortgage terms have also been steadily rising, according to UK Finance, which further increases the number of people paying off their mortgage after retirement age. More lenders are building products with older borrowers in mind, which means there is more to compare than there used to be.
What affects your mortgage rate?
Several factors influence the rate a lender will offer. Understanding them can help you know where you stand before you compare.
- The Bank of England base rate: Most mortgage rates move broadly in line with the base rate. When it rises, rates tend to follow. When it falls, rates often ease – though lenders set their own pricing and do not always pass on changes straight away.
- Your loan-to-value (LTV) ratio: This is your mortgage amount expressed as a percentage of the property's value. The lower your LTV – in other words, the more deposit or equity you have – the lower the rate you are likely to be offered. Mortgage rates by LTV can vary significantly, so knowing your LTV before you compare is useful.
- Fixed rate, tracker or discount mortgages: A fixed-rate mortgage locks in your interest rate for a set period – usually two or five years. A tracker mortgage moves up or down in line with the base rate, known as a standard variable rate. Finally a discount or discounted mortgage offers a discount compared to a lenders standard variable rate, for a set period. Fixed rates give you certainty over your monthly payments. Trackers or discount mortgages can be cheaper when rates are low, but will rise if the base rate does.
- Your credit history: Lenders use this to assess how reliably you manage debt. A stronger credit history generally means access to more competitive rates.
- Your age and mortgage term: Some lenders apply upper age limits at the end of the mortgage term. If you are over 50, a shorter term or a specialist later-life product may suit your circumstances better. At Saga Mortgages, we are experts in this area.
How Saga’s mortgage comparison works
Saga has teamed up with award-winning mortgage broker Tembo to offer Saga Mortgages. Through our partnership, you can compare live mortgage deals from over 100 lenders. These include high street banks, building societies and specialist lenders you may not find through a standard comparison search.
How the tool works:- You answer a few questions about your situation.
- The tool searches live rates from over 100 lenders based on your answers.
- You see a personalised view of what may be available, including fixed-rate mortgage deals, tracker mortgage options and remortgage rates.
- If you want to take things further, a dedicated Tembo adviser can guide you through the next steps and help you secure the right mortgage for you.
Because the comparison is whole-of-market, you’re not limited to what one lender is currently promoting. Using the tool doesn’t require any personal details or trigger a credit check, so there’s no impact on your credit score.
Find mortgage deals that match your needs
Compare mortgages FAQs
No – using our mortgage comparison tool does not run a soft or hard credit check, so there is no impact on your credit score. You can explore live mortgage rates at any time, with no obligation to proceed.
Through our partnership with Tembo, Saga Mortgages has access to over 100 lenders and more than 20,000 mortgage products. These include major names such as NatWest, Halifax, HSBC, Barclays, Metro Bank and Skipton Building Society, as well as specialist mortgage lenders including Livemore and Generation Home.
A fixed-rate mortgage charges the same interest rate for a set period – usually two or five years – regardless of what happens to the Bank of England base rate. This gives you certainty over your monthly payments. A tracker mortgage follows the base rate, typically at a set amount above it. Trackers can be competitive when rates are low, but your payments will rise if the base rate goes up.
Yes, depending on your circumstances. The mortgage market for people over 50 has grown considerably. The number of first-time buyers aged over 51 rose by 24% between 2021 and 2025, and lenders have responded by developing more products for older borrowers. There were over 180,000 new mortgages loans made to borrowers over 51 in 2025. Whether you’re buying, remortgaging or considering releasing equity, Saga Mortgages is designed specifically for people over 50 and can help you see what is available for your circumstances.
LTV stands for loan-to-value, which is your mortgage amount as a percentage of the property's value. For example, if you are buying a £200,000 home with a £40,000 deposit, your LTV is 80%. Generally, the lower your LTV, the more competitive the rates you may be offered, because the lender is taking on less risk.
A remortgage rate is the interest rate on a new mortgage deal taken out to replace your existing one, either with your current lender or a new one. People usually remortgage when their fixed or tracker period ends. Comparing remortgage rates before your deal expires can help you avoid rolling onto a lender’s standard variable rate, which is usually higher than the rates available elsewhere.
Important
Your home may be repossessed if you fail to repay your mortgage. Saga Money may receive payment from Tembo if you get a mortgage offer via the Saga Mortgages service. This will not affect the amount you pay for the service.
Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority under the registration number 178922.
Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. Tembo Money was awarded Best Mortgage Broker at the British bank awards in 2022, 2023, 2024 and 2025.
Saga Mortgages can help
Saga have partnered with Tembo to help you remortgage, buy a new home or simply help a loved one.
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