Mortgage rates are only part of the cost: compare the interest rate, arrangement fee, early repayment charges and overall cost over the deal period. Check whether the rate is fixed or variable, and consider what your repayments could be if rates rise after an introductory deal ends. A larger deposit may open up more deals, but keep enough money for moving costs and an emergency buffer. You can compare offers yourself or speak to a mortgage broker, ideally one authorised by the FCA, before choosing a product.