Live rate data
UK mortgage rate tracker
Bank of England Bank Rate, CPI inflation and representative best-buy mortgage rates by loan-to-value. Updated from public sources daily. Last refresh 18 April 2026.
3.75%
3.00%
5.84% / 5.75%
Best-buy rates by loan-to-value
Representative best-buy rates across the standard LTV bands. These sit at or near market-leading for a straightforward purchase application; specific products (booking fees, early repayment structures) vary. Product fees not included.
| Loan-to-value | 2-year fix | 5-year fix | Typical borrower |
|---|---|---|---|
| 60% LTV | 4.71% | 4.45% | Requires ~£1k product fee. Mover sweet spot. |
| 75% LTV | 4.82% | 4.55% | Good movers' band. |
| 80% LTV | 4.95% | 4.85% | Less commonly quoted; verify with lender. |
| 85% LTV | 5.06% | 5.15% | Still healthy FTB option. |
| 90% LTV | 5.20% | 5.20% | Mainstream FTB band. |
| 95% LTV | 5.47% | 5.65% | FTB / Freedom to Buy territory. |
Market context
Rates rose sharply in March 2026 on geopolitical swap-rate pressure; markets now expect the BoE to hold through Q2. This is a point-in-time snapshot — rates move weekly. Check the lender directly before committing.
Source URLs and a full methodology note are available on the methodology page. We aggregate across Moneyfacts, Which?, HomeOwners Alliance and Uswitch rate roundups. Where sources disagree by >0.05 percentage points on the same product, we note it.
What to do with this page
- Use these rates in the affordability and repayment calculators to model your specific purchase.
- Check the rate again before confirming with a lender or broker — rates move weekly.
- Compare against quotes from your lender. Substantially different quotes aren't necessarily worse — they may reflect product fees you can't see in the headline rate.