PoundWise Team: Compare the total cost rather than just the headline rate, including the initial monthly payment, arrangement fee, valuation fee, cashback and any early repayment charge. Check whether each deal is fixed, discounted or tracker, how long the initial period lasts, and what the lender’s follow-on rate could be afterwards. Your loan-to-value ratio, income, credit history and mortgage term can affect the rates available, so advertised rates may not be offered to everyone. You can compare lenders directly or seek help from an FCA-authorised mortgage broker, who can explain suitable options based on your circumstances.