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Market Intelligence

Live UK mortgage rates, economic data, and AI analysis. Use this to time your application.

Updated: 21 June 2026
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Key Interest Rates

The BoE sets the base rate. Lenders price fixed rates higher based on their funding costs and profit margin. When the base rate falls, fixed rates usually follow within weeks.

Bank of England Base Rate
3.75%

Set 8 times a year by the BoE

Low (0%)High (6%)

Moderate. Tracker rates reasonable, but fixed deals may offer better value long-term.

2-Year Fixed Rate
5.4352%

Average UK 2yr fix at 75% LTV

Low (2%)High (7%)

Mid-range. Affordable for most buyers, but compare carefully with 5-year deals which may offer better value.

5-Year Fixed Rate
4.9416%

Average UK 5yr fix at 75% LTV

Low (2%)High (7%)

Reasonable. Five years of payment certainty at an acceptable rate. Popular choice right now.

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Weekly Market Briefing

Get Mo's honest take on where mortgage rates are heading, delivered every Monday.