The mortgage rate you may be offered usually depends on your deposit and loan-to-value (LTV), income, outgoings, credit history, property type and the mortgage term. Lenders assess affordability and their own eligibility rules, so the lowest advertised rate may not be available to everyone. An agreement in principle can indicate how much a lender might offer, but it is not a guarantee of approval or the final rate. You can compare deals through an FCA-authorised mortgage adviser or check lenders’ criteria directly.