Many people look for a bargain in the best buy tables published in newspapers or online. While these tables will give you an idea of the kind of competitive rates on offer in the market, they can conceal far more than they reveal.

To truly compare different deals, you need to know the full details about each product and how it would apply to you such as the  total cost of the fees, what restrictions there are such as limits on the maximum loan size available and what the acceptance criteria is. 

The good news is, because lenders are regulated by the Financial Services Authority, they have an obligation to disclose the fees they charge and to be transparent about the restrictions they place on their loans.

The best buy tables we list are as published by Moneyfacts who are an independent provider of data to the financial services industry.

For full details on the products listed and others, contact a mortgage broker who can find a mortgage that will suit your individual circumstances and may even have access to exclusive deals that are not available to you directly.

An independent broker can trawl through thousands of products to find the best one for you. They are more familiar with all the different lenders, so they will know which ones will take your case and how quickly it is likely to go through.