Mortgage Rates: as low as 4.82% APR - View all rates · UK · USA · Germany · France · Brazil
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Mortgage & Home Loans
Find your best rate

Compare current mortgage rates and options. From first-time buyer to international properties, we have the right fit across the UK, USA, Germany, France, and Brazil.

View Today's Rates Get a Decision in Principle
Beautiful home
Rates from 4.82% APR*

Up to 95% LTV

Terms up to 30 years · fixed or tracker · no early repayment charges

Loan amounts
£50k–£2M+
Completion
21–30 days

*APR based on 25‑year fixed, excellent credit. Available in GBP, EUR, USD.

First-time buyer

Low deposit programs from 5%

Remortgage

Lower rate or release equity

Help to Buy / Shared Ownership

Government-backed schemes

Buy-to-Let

Investment property mortgages

International mortgages available: We offer residential and buy-to-let mortgages in the UK, USA, Germany, France, and Brazil.
Current Mortgage Rates (as of 1 March 2026) · View all rates
Loan Type
2-year fixed
5-year fixed
Tracker
Residential (up to 60% LTV)
4.49% APR
4.82% APR
4.25% APR
Residential (60-75% LTV)
4.65% APR
4.99% APR
4.45% APR
Residential (75-90% LTV)
5.25% APR
5.49% APR
4.95% APR
Buy-to-Let
5.25% APR
5.65% APR
4.99% APR

All mortgage options

  • Fixed-rate mortgages (2, 3, 5, 10 year)
  • Tracker & variable rate mortgages
  • First-time buyer (5% deposit options)
  • Help to Buy: Equity Loan
  • Shared Ownership mortgages
  • Buy-to-Let (individuals & limited companies)
  • International property purchase
  • Remortgage with cashback options

Why choose Unity Oak for your mortgage?

Local underwriting

Decisions made by our local teams, not a distant committee. Faster answers across all our global branches.

Rate lock & product transfers

Lock your rate for up to 6 months. Existing customers can switch products without a new affordability check.

Dedicated mortgage adviser

You'll work with the same qualified expert from application to completion.

Stay updated on market rates

Our rates change with the market. Check today's live rates across all currencies.

See All Current Rates

Mortgages available in GBP, EUR, and USD

For international buyers and expats across our global network.