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Compare Mortgages - Mortgage Calculator

If you're a first-time home buyer or your mortgage is just costing you too much, you've come to the right place! We understand that buying a home is one of the most significant and life-changing purchases you'll ever make, and often finding the best mortgage deal can be a perplexing and time-consuming task. That is why we have created a comparison tool to help you find the best mortgage rates. Our comparison tool compares the whole of the market and finds you the best rates for your entered details. We are independent mortgage advisers who can advise you the best mortgage deals to suit your personal circumstances and can provide mortgage advice which can save you time and money. Start today - compare mortgage rates and find competitive mortgage quotes from top lenders!

Find Cheap Mortgage Rates at SoSmart Money

Our comparison tables above are easy to use and can help you to research the whole of the market for top mortgage deals. Whether you are looking for a first time buyer mortgage, a remortgage, looking to move home or looking for a Buy to Let mortgage for an investment property our comparison tables can help you. Once you have found the best mortgage for you we can put you in touch with an expert advisor from an FCA regulated firm to discuss your mortgage requirements in detail. Use our mortgage calculator to get a better understanding as to how much you can borrow for your dream home.

SoSmart Money are dedicated to helping you find the best deal tailored to meet your mortgage needs. Our useful calculators and best buy tables will help you see if you can find a better deal or save money on your existing mortgage and our independent financial advisors can be there to guide you every step of the way, to take the stress out of the experience of getting a mortgage.

Have a look at our specialist guides to get more information on different types of mortgages and other useful hints and tips.


Remortgaging your home to get a batter rate? Use our remortgage comparison tool to find a competitive mortgage.


First Time Buyer

Buying your first home? We can help you to find a low rate mortgage deal that will give you a start on the property ladder.


Buy to Let

Buying a property to let out to tenants? Use our comparison tables to find a low rate mortgage deal to suit you.


Useful tools and calculators

Stamp duty calculator

Check how much stamp duty you will need to pay

Borrow calculator

Estimate how much you can borrow based on your income. If single, enter 0 in second persons income

LTV calculator

Calculate the loan to value that you need

Free credit report

We have teamed up with Noddle, who will provide you with a free credit report for life.

Get your report

How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform

Trusted mortgage brands

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How it works

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  • How do SoSmart Money make their money?
  • Which products can I compare with SoSmart Money?
  • Who are SoSmart Money?
  • Will I be contacted by other companies?

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So you have adverse credit

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Get a copy of your fill from Uk Credit Rating using their FREE* service.

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Then get in touch with us and let us know your score, good or bad!

Call 01244 950 304


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We'll then search for a lender who will be suitable for you.

Using your credit score allows us to apply for products you're more likely to be accepted for.

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