Mortgage Calculator
Find a low rate mortgage deal

Use the comparison calculators below
or speak to one of our advisers for expert advice

01244 264 866

Start your quote

Compare mortgage deals

You could be on the look out for your first property, or simply trying to cut the costs on your current mortgage deal - whichever stage you are at you'll want to find the best deal around that is going to save you money.

Using our mortgage calculator allows you to just enter a few simple details, and in seconds you'll be able to view a wide range of mortgage deals suitable for your circumstances.

We deal with hundreds of top providers, specialising in all types of mortgages.  We can offer competitive rates if you're looking to mortgage your buy-to-let property, and even if you haven't got the most perfect credit score, we can help you to source a provider who may be able to offer you a bad credit mortgage.

Low mortgage rates

Interest rates are at a record low so if you're currently looking for a great mortgage deal, then you should be able to find competitive rates across a number of providers.    When comparing mortgages, remember to take into consideration additional costs such as arrangement fees, conveyancing and legal fees.

Depending on the value of the property you may also have to consider Stamp Duty - you can use our Stamp Duty Calculator to work out how much you will need to pay for this, if at all.

Helpful Mortgage Advice

If you want some helpful tips before choosing a mortgage, then you can read some of our helpful guides as outlined below. 

For further information, why not speak to a mortgage broker.  Offering independent, impartial advice, all our mortgage advisers are regulated by the Financial Conduct Authority.
They can offer you a free, no obligation service, and have expert knowledge of the mortgage market, so if need help to make sure you find the right mortgage deal for you, then it may be worth giving them a call.


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

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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

Don't worry we can still help, simply follow the steps below


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

get my report

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

Call 01244 950 304


Request a call

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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