Find Your Perfect UK Mortgage

Compare the best mortgage rates from leading UK lenders. Whether you're a first-time buyer, moving home, or remortgaging, we'll help you find the right deal.

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Our Mortgage Products

Fixed Rate Mortgage

2.89% APR

Lock in your rate for 2, 3, 5, or 10 years. Perfect for budgeting with predictable monthly payments.

  • ✓ Rate guaranteed for chosen term
  • ✓ Protection from rate rises
  • ✓ Available up to 95% LTV
  • ✓ No early repayment charges

Variable Rate Mortgage

2.49% APR

Flexible mortgage with rates that can go up or down. Benefit when rates fall and enjoy more flexibility.

  • ✓ Lower initial rates
  • ✓ Overpayment flexibility
  • ✓ Available up to 90% LTV
  • ✓ No arrangement fees

First Time Buyer

3.19% APR

Special rates and terms for first-time buyers. Get on the property ladder with our dedicated support.

  • ✓ 95% LTV available
  • ✓ Government scheme eligible
  • ✓ Free valuation included
  • ✓ Dedicated advisor support

Buy-to-Let Mortgage

3.89% APR

Invest in property with our competitive buy-to-let mortgages. Build your rental portfolio today.

  • ✓ Up to 75% LTV
  • ✓ Rental income assessed
  • ✓ Portfolio landlord options
  • ✓ Interest-only available

Remortgage Deals

2.69% APR

Switch to a better deal and potentially save thousands. Free remortgage service available.

  • ✓ No exit fees covered
  • ✓ Free legal work
  • ✓ Fast track applications
  • ✓ Cashback offers available

Offset Mortgage

3.29% APR

Link your savings to your mortgage and pay less interest. Perfect for those with substantial savings.

  • ✓ Savings reduce interest
  • ✓ Access to linked savings
  • ✓ Tax-efficient option
  • ✓ Flexible overpayments

Why Choose UK Mortgages Direct?

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Expert Advice

Our qualified mortgage advisors have over 20 years of experience helping UK homebuyers find the perfect mortgage deal.

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Best Rates

We compare rates from over 90 UK lenders to ensure you get the most competitive deal available in the market.

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Fast Processing

Our streamlined application process means you can get a decision in principle within minutes and complete applications in days.

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FCA Regulated

We're fully regulated by the Financial Conduct Authority, ensuring you receive professional and compliant mortgage advice.