{"id":1073,"date":"2024-05-07T15:02:31","date_gmt":"2024-05-07T14:02:31","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=1073"},"modified":"2026-02-11T10:19:30","modified_gmt":"2026-02-11T10:19:30","slug":"mortgage-types","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/","title":{"rendered":"Types of mortgages"},"content":{"rendered":"<nav class=\"c-sub-nav my-5\" id=\"\">\n    <div class=\"c-sub-nav__list js-sub-nav-parent owl-carousel\">\n        <div class=\"c-sub-nav__item c-sub-nav__item--active\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\" class=\"c-sub-nav__item__link\">Types of mortgages<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\" class=\"c-sub-nav__item__link\">How to get a mortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/\" class=\"c-sub-nav__item__link\">Understanding your finances<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/\" class=\"c-sub-nav__item__link\">Mortgage rates<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/\" class=\"c-sub-nav__item__link\">Remortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/\" class=\"c-sub-nav__item__link\">First-time buyers<\/a><\/div>    <\/div>\n    <div class=\"c-sub-nav__controls js-sub-nav-controls\">\n    <\/div>\n\n    <template class=\"js-sub-nav-control-prev\">\n        <span class=\"visually-hidden\">Scroll left<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-left\"><use xlink:href=\"#icon-chevron-line-left\"><\/use><\/svg>    <\/template>\n    <template class=\"js-sub-nav-control-next\">\n        <span class=\"visually-hidden\">Scroll right<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg>    <\/template>\n<\/nav>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Understanding-the-types-of-mortgages-new-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Different types of mortgages    <\/div>\n    <div class=\"c-card__content\">\n        <p>It&#8217;s a good to know what the different types of mortgages are, so you can feel fully prepared for a conversation.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/green-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2025\/07\/Green-mortgage-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Your guide to green mortgages    <\/div>\n    <div class=\"c-card__content\">\n        <p>Green mortgages are specifically designed for financing an energy-efficient property, or to use to pay for energy-efficient upgrades to a home.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 7 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/what-is-a-mortgage-term\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-are-mortgage-terms-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are mortgage terms and how do they work?    <\/div>\n    <div class=\"c-card__content\">\n        <p>A mortgage term refers to the number of years it will take to repay your loan, as well as the interest.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/finding-and-choosing\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Finding-and-choosing-new-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Finding and choosing a mortgage    <\/div>\n    <div class=\"c-card__content\">\n        <p>You can either contact a mortgage broker or go direct to a lender, depending on what\u2019s right for you.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/choosing-2-or-5-year-fixed-rate-mortgage\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/2-or-5-year-fix.jpeg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Choosing a 2 or 5-year fixed rate mortgage    <\/div>\n    <div class=\"c-card__content\">\n        <p>Over the course of a mortgage term, you\u2019ll be able to select different mortgage types and deals so you can pay your loan off in the way that works for you.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<a class=\"c-banner-card my-5\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/\">    <div class=\"c-banner-card__content c-wp c-wp--flush\">\n        <h4>Understanding <span class=\"text-secondary\">mortgage and interest rates<\/span><\/h4>\n<p>Find out what the current mortgage and interest rates are in the UK.<\/p>\n    <\/div>\n    \n            <div class=\"c-banner-card__image\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/banner-image-1-e1716128803305.png)\"><\/div>\n        <div class=\"c-banner-card__action\">\n            <span class=\"c-banner-card__cta\">\n                <span class=\"visually-hidden\">Read more about: Mortgage rates<\/span>\n                <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>            <\/span>\n        <\/div>\n    <\/a>\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Getting your Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Find out how much you can borrow<\/li>\n<li>You could get property viewings faster<\/li>\n<li>Your credit rating won\u2019t be affected<\/li>\n<li>You\u2019ll be 1 step closer to a mortgage offer<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n<div class=\"c-spotlight\" id=\"\">\n    <div class=\"c-spotlight__header\">\n                <div class=\"c-spotlight__legend\">Spotlight Guides<\/div>\n                <h2 id=\"mortgage-guides\" class=\"c-spotlight__title\">MORTGAGE GUIDES<\/h2>\n                <div class=\"c-spotlight__action\">\n            <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/\"\n               target=\"_self\"\n               class=\"c-spotlight__cta\">\n                <span class=\"visually-hidden\">Read more about: <\/span>\n                <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>            <\/a>\n        <\/div>\n            <\/div>\n\n        <div class=\"c-spotlight__body\">\n        <div class=\"row g-3\">\n            <div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/mortgage-rates-tracker-2-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are the current UK mortgage rates?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE RATES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-do-lenders-use-your-credit-score-resized-1024x681.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How will a lender use your credit score?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">CREDIT SCORES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Getting-your-MIP-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Getting your Mortgage in Principle    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>        <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1107,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-1073","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Types of mortgages - Rightmove<\/title>\n<meta name=\"description\" content=\"Learn more about the different types of mortgages available, to help work out what could be the best fit for your circumstances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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