UK Mortgage Rates 2025 — Compare Live Fixed, Tracker & Remortgage Deals

Updated: October 2025
Find today’s lowest 2 year & 5 year fixed, tracker, remortgage and first time buyer rates in one place. We compare 100+ UK lenders (high-street and specialists) and show the best route for your LTV, income and credit — with no impact on your credit score to check options.

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House and percent icon illustrating UK mortgage rates comparison.

Quick Compare: Today’s Headline Rates (from)

These are guide “from” rates. Your actual rate depends on LTV, product fee, term and eligibility. Tap a card to see live deals for your profile.

Product type	Typical “from”	Best for	Check deals
2 Year Fixed	from 3.73%	Shorter commitment, falling-rate bets	Compare 2-yr fixed → /mortgage-rates/2-year-fixed/
5 Year Fixed	from 3.85%	Payment certainty, cheaper at low LTVs	Compare 5-yr fixed → /mortgage-rates/5-year-fixed/
Tracker (BoE-linked)	from 4.21%	Flexibility / free early exits	Compare trackers → /mortgage-rates/tracker/
Remortgage	from 3.78%	Switching off SVR; many with free legals/valuation	See remortgage rates → /mortgage-rates/remortgage/
First Time Buyer	from 3.85%	90–95% LTV options & incentives	See FTB rates → /mortgage-rates/first-time-buyer/

Want exact pricing? Get a free quote (no credit impact) → /compare/
Prefer to watch the market? Set RateDrop alerts → /ratedrop/

How to Get Your Best Rate (in 3 steps)

Step 1

Tell us the basics

(Property value, mortgage amount, term, income).

Step 2

We check fixed vs tracker

Across 100+ lenders and shortlist the cheapest suitable options for your LTV & criteria.

Step 3

Lock the rate

(usually held for 3–6 months) and complete with your dedicated broker

Fixed vs Tracker: Which Is Cheaper Right Now?

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Fixed vs Tracker

2- & 5-year fixed prices are driven by swap rates. When the market expects lower inflation/base
Trackers move with the Bank of England base rate. They can be cheaper today and often carry lower/zero early-repayment charges, but payment can rise/fall.

Rule of thumb:

Lower LTV (≤60%) → 5-year fixed is often cheapest overall.
Higher LTV (85–95%) → incentives matter; check FTB-specific products.
Expecting cuts and want flexibility? Consider a tracker with small/zero ERCs.

ChatGPT said:

Illustration of a guarantee badge with hands beside a checklist of factors affecting UK mortgage rates (LTV, fees, term, credit, property).

What Affects the Rate You’ll Get?

LTV (loan-to-value):

lower LTVs unlock lower rates.

Product & arrangement fees:

a “cheaper” rate with a £999–£1,499 fee can be more expensive overall — we show true cost.

Term length:

sometimes shorter terms price cheaper because of lender risk models.

Credit profile & income type:

near-prime/bad credit, self-employed/contractor or complex income may require specialist lenders (we include them).

Loan size & property type:

small loans, new-build, flats, ex-local-authority and BTL have different pricing.

Compare by Lender (popular pages)

Use these if you already have a bank in mind:

Halifax Mortgage Rates → /halifax-mortgage-rates/
Santander Mortgage Rates → /santander-mortgage-rates/
Barclays Mortgage Rates → /barclays-mortgage-rates/
Nationwide Mortgage Rates → /nationwide-mortgage-rates/
HSBC Mortgage Rates → /hsbc-mortgage-rates/

Want broader guidance on banks?

See Best Mortgage Lenders UK

Tools & Guides to Help You Decide

Mortgage Repayment Calculator

Decision in Principle screen: Get an Agreement in Principle to check eligibility and lock a mortgage rate.

Learn about MOrtgage in Principle

Advice Hub illustration: Expert mortgage guidance and tips for finding the best mortgage rates.

Verifi Mortgage Advice Hub (Guides)

Bank of England base and how it affect mortgage rates.

Learn about The Bank Of England Base Rate

Why use Verifi for rate comparison?

Whole-of-market access (100+ lenders, broker-only deals included)
Clear advice, FCA-regulated, years of experience & Knowledge
Fast — soft-search quotes in minutes, rate lock available
Human brokers (no robots) + RateDrop alerts to catch further cuts

Get my best rate now

People comparing homes with a broker—why use Verifi to compare mortgage rates.

FAQs: UK Mortgage Rates 2025

Still have questions? See our full Mortgage Advice Hub → /mortgage-advice/

Rates follow swap markets and the BoE base rate. When inflation and swap rates ease, lenders reduce fixes. Trackers change when the base rate moves. We’ll show you live pricing and alert you if a cheaper deal appears before completion.

5-year fixes buy payment stability and often the lowest total cost at low LTVs. 2-year fixes can suit movers or those expecting quicker cuts. We model both and show the cheapest overall including fees.

Trackers can be cheaper today and usually have smaller/zero ERCs, giving flexibility to switch if fixes fall further. Your choice depends on risk tolerance and budget — we’ll compare both routes.

Mainstream lenders usually start at 5% for FTBs (95% LTV). Better pricing appears from 85% and 75% LTV tiers. We’ll show options for your deposit and negotiate any incentives.

Once we’ve recommended a product, we can usually secure and hold your rate for 3–6 months (varies by lender). If a cheaper deal appears later, we’ll try to re-book before completion.

Yes, but early-repayment charges apply on many fixes. We’ll calculate whether switching now or waiting is cheaper and look for lender-paid fee options.