Your Independent Guide to the UK's Lowest Borrowing Rates
Free, plain-English mortgage, loan and credit score guides — plus calculators — so you can borrow smart, not just fast.
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Bank of England Base Rate: What It Means for You
How base rate decisions reach tracker, SVR and fixed mortgage pricing.
What Is a Mortgage in Principle & Why It Matters
The first step almost every UK mortgage journey starts with.
Stamp Duty (SDLT) Calculator
Estimate your Stamp Duty bill in seconds, tailored to your buyer type.
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Lowest Rate Loans is a free, reader-supported guide to UK borrowing. We provide independent, objective information to help you understand your options — we are not financial advisers, and nothing here should be taken as personalised financial advice. Some links on this site may be affiliate links, meaning we could earn a commission if you click through and take out a product; this never affects the accuracy or independence of our content. Read our full editorial policy and affiliate disclosure for details.
Free Calculators
Model your own numbers before you apply.
Mortgage Affordability
How much could you borrow?
Loan-to-Value (LTV)
Which rate tier do you qualify for?
Loan Repayment
Monthly cost of any personal loan.
Debt-to-Income Ratio
See your DTI, lender-style.