The mortgage market is competitive and changing. One day to the next a mortgage lender may remove or launch competitive products to win more business. One month to the next they loosen or restrict criteria. (age, adverse credit, property type and others).
With hundreds of mortgage lenders giving us thousands of mortgage products.
Comparison websites omit details leading to lenders refusing you later in the process. Direct to bank limits products to just their range. So it's a good idea to talk to a mortgage advisor before making up your mind.
The Property and Your Circumstances will determine which mortgages you are eligible. Your plans and risk appetite will conclude from that list which is the right mortgage for you.
It may not always be the lowest rate if you want low fees leading to cheapest over the initial term. It may not be the cheapest over the initial term if you also want low upfront costs.
For your needs and circumstances, a mortgage adviser will guide you to the right mortgage.
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