How To Get the Best Mortgage Rate in 2026 | UK Buyer Tips

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How to Get the Best Mortgage Rate in 2026

Securing the right mortgage deal isn’t just about chasing the lowest rate you see online. Lenders look at your credit profile, deposit size, and overall affordability and small changes in these areas can make a huge difference to the deal you’re offered.

In this video, I’ll break down how you can boost your chances of locking in a cheaper rate, from improving your credit score and saving a bigger deposit, to comparing the true cost of a mortgage instead of just the headline rate. I’ll also explain why working with a whole-of-market broker could save you thousands, and how to choose the deal that actually fits your plans for the future.

By the end, you’ll know exactly how to approach lenders with confidence and avoid the common mistakes that cost buyers money.


Timecodes:
00:00 - Intro
00:41 - Credit Profile
01:22 - Electoral Roll
01:34 - Loan to Value
02:22 - Compare Product Costs
03:20 - Mortgage Broker
04:00 - Match the Deal to your Plan

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UK Mortgage Centre Limited is an Appointed Representative of Refresh Mortgage Network Limited. Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm number 1019794. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. The Financial Conduct Authority does not regulate will writing and taxation and trust advice. You may be charged a fee for your advice. A typical fee is £495, which would be payable when you receive your mortgage offer. Your dedicated advisor will discuss this further on your free initial phone call. Registered company number: 15825320