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.

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.