Variable mortgages: Should you make the switch?MyFinances.co.uk, UK -47 minutes agoSo far, 20 lenders have announced they are to reduce the rate following the Bank of England's rate cut earlier this month. And Julia Harris, an analyst for ... Many online mortgage lenders offer competitive packages for home buyers and most of these offer free online mortgage quotes for your perusal. As a perk, some of these sites also offer free online mortgage calculators to help you calculate the costs and gains of the loan programs they have to offer.