Mortgage Interest Rates
Updated: 20.11.2025
A live snapshot of competitive mortgage rates across remortgage, first-time buyer, buy-to-let and Limited Company products.
Rates can change at any time and may not be available to all applicants.
Mortgage Interest Rates
Interest rates move regularly, and the best rate isn’t always the most suitable option for your circumstances. Below is a selection of competitive rates available as of the last update, based on different loan-to-value and product types.
These examples are for illustration only, and a personalised recommendation will always be based on your individual needs, circumstances and affordability.
MORTGAGE
*Source mortgage brain for Intermediaries
Verified: 30-11-25
Important:
Mortgage product availability and interest rates can change at short notice and may vary by lender, property type, credit profile and loan-to-value. The rates shown below are examples only, accurate at the time of publishing. They should not be relied upon for decision-making without a full mortgage advice appointment.
90% LTV FTB Rates: 30/11/2025
LENDER LTV FEE 2 YEAR FIXED 5 YEAR FIXED TRACKER
90% £995-£999 4.10% 4.17% 4.69%
90% LTV FTB Rates: 30/11/2025
LTV: 90%
Fee: £899 - £999
2 Year Fixed: 4.10%
5 Year Fixed: 4.17%
Tracker: 4.69%
60% LTV Remortgage Rates: 30/11/2025
LENDER LTV FEE 2 YEAR FIXED 5 YEAR FIXED TRACKER
60% £999. 3.72% 3.80% 4.11%
60% LTV Remortgage Rates: 30/11/2025
LTV: 60%
Fee: £999
2 Year Fixed: 3.72%
5 Year Fixed: 4.80%
Tracker: 4.11%
BUY 2 LET
*Source mortgage brain for Intermediaries
Verified: 30-11-25
LENDER LTV FEE 2 YEAR FIXED 5 YEAR FIXED TRACKER
Important:
Mortgage product availability and interest rates can change at short notice and may vary by lender, property type, credit profile and loan-to-value. The rates shown below are examples only, accurate at the time of publishing. They should not be relied upon for decision-making without a full mortgage advice appointment.
75% LTV Personal Purchase: 30/11/2025
LENDER LTV FEE 2 YEAR FIXED 5 YEAR FIXED TRACKER
75% 3-7% 2.20% 3.57% 4.34%
75% LTV Personal Purchase: 30/11/2025
LTV: 75%
Fee: 3 - 7%
2 Year Fixed: 2.20%
5 Year Fixed: 3.57%
Tracker: 4.34%
75% LTV Ltd Purchase: 30/11/2025
LENDER LTV FEE 2 YEAR FIXED 5 YEAR FIXED TRACKER
75% 3-7% 2.20% 3.69% 4.34%
75% LTV Ltd Purchase: 30/11/2025
LTV: 75%
Fee: 3 - 7%
2 Year Fixed: 2.20%
5 Year Fixed: 3.69%
Tracker: 4.34%
Why These Rates Are Only Illustrative
The rate you qualify for will depend on a range of factors, including:
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Your income and affordability
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Your loan-to-value
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Credit history
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Property type
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Whether you’re buying in personal name or Ltd Company
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The lender’s current criteria
These examples show the current market landscape, but we always provide a tailored recommendation based on your full circumstances.
Mortgage Rates FAQ
How often do mortgage rates change?
Why is the lowest rate not always the best?
Rates can change daily, and sometimes multiple times in a day depending on market conditions.
Fees, product type, incentives, eligibility and your long-term goals all affect which product is most suitable for you.
Do these rates apply to everyone?
No. Rates vary by credit profile, loan-to-value, income type and lender criteria.
Can I secure a rate now for the future?
In many cases, yes — lenders allow mortgage offers or rate reservations for several months. We can explain how this works based on your situation.