Current UK Mortgage Rates
The mortgage market moves fast. We monitor the latest products from across the whole of the market to bring you a snapshot of the most competitive rates available today.
Mortgage Rate Comparison
Representative rates across various loan-to-value (LTV) bands
| LTV | Product Type | Initial Rate | Product Fee | Action |
|---|---|---|---|---|
60% | 5 Year FixedExample: High Street Bank A | 3.89% | £999 | Enquire |
75% | 5 Year FixedExample: Building Society B | 4.09% | £0 | Enquire |
85% | 5 Year FixedExample: High Street Bank C | 4.44% | £995 | Enquire |
90% | 5 Year FixedExample: Specialist Lender D | 4.79% | £499 | Enquire |
95% | 5 Year FixedExample: High Street Bank E | 5.19% | £0 | Enquire |
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The rates above are representative. As a whole-of-market broker, we have access to thousands of deals, including exclusives not shown here.
Key Information
LTV Explained
Loan-to-Value is the ratio of your mortgage to the property's value. Lower LTVs usually get better rates.
Base Rate Influence
Tracker rates move automatically with the Bank of England base rate. Fixed rates are set for a specific term.
Fees & Costs
The lowest rate isn't always the cheapest deal. We calculate the total cost including arrangement fees.
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Disclaimer: The rates shown are for illustrative purposes only and are based on a representative sample of current market products. They do not constitute a mortgage offer or financial advice. Your actual rate will depend on your individual circumstances, credit history, and the property type. Mortgage products can be withdrawn or changed by lenders at any time without notice.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.