Sample UK Mortgage Rates — 11 September 2026
A sample of published rates from major UK lenders, reviewed regularly and refreshed after material market moves — for illustration only. We search a comprehensive panel of 90+ lenders. Initial advice is free; if you proceed, a broker fee will typically be explained and agreed upfront before an application.
Indicative only — not a live rate feed. The tables below are an AI-assisted snapshot of publicly-advertised headline rates from major UK high-street lenders, refreshed daily and reviewed by an adviser. They are not a live quote, do not include our panel of 90+ lenders, and can be withdrawn or repriced at any time. The rate you actually qualify for depends on your deposit, income, credit profile, property type and lender criteria — contact an adviser for a rate tailored to your circumstances.
Market update: Average rates have eased slightly this month for the first time in 2026 — but pricing remains volatile. If your deal ends in the next six months, lock in a rate now and review closer to completion.
Sample 2-Year Fixed Mortgage Rates
Example 2-year fixed deals to illustrate the market. The exact rate you qualify for depends on your circumstances.
HSBC — £999 fee
3.89%
NatWest — No fee, £250 cashback
3.99%
Santander — £499 fee
4.29%
Sample 5-Year Fixed Mortgage Rates
Example 5-year fixed deals to show the market shape. The exact rate you qualify for depends on your circumstances.
Barclays — £999 fee
3.54%
Nationwide — £999 fee
3.69%
Halifax — No fee
3.99%
Source: HSBC, Barclays, NatWest, Halifax, Nationwide & Santander published sample rates — 11 September 2026. These are example rates only and the deal you qualify for depends on your circumstances. Get a personalised quote — initial advice is free, and a broker fee will typically apply if you proceed with an application. See how we're paid and how we work.
How this list is compiled
- Rate type: residential capital-and-interest mortgages, fixed rate, standard product terms. Not applicable to buy-to-let, interest-only or specialist lending.
- LTV bands: 60%, 75%, 90% and 95% loan-to-value — the industry-standard tiers most lenders publish.
- Fees & incentives: where a product fee, cashback or free valuation was published against the headline rate, it's shown in the "note" line. Total cost over the fixed period may differ meaningfully from the headline rate.
- Availability: the lenders shown (HSBC, Barclays, NatWest, Halifax, Nationwide, Santander) are all on our broker panel and are also available direct-to-consumer. Some sharper deals may be broker-only or direct-only and will not appear here.
- Representative assumptions: applicant with a clean credit profile, standard employed income, buying or remortgaging a standard freehold house in England, 25-year term. Your own criteria assessment may produce a materially different result.
- Source & refresh: published rate tables from the lenders above, refreshed by an AI-assisted daily job and reviewed by an adviser. Historic monthly snapshots are archived on the 4th of each month.
- Stale-data handling: if the snapshot hasn't refreshed in 48 hours the page shows an amber warning banner at the top and links you straight to an adviser for a live indication.
- Warning: rates can be withdrawn or repriced without notice, sometimes overnight. Always confirm the current rate with an adviser or lender before making a decision.
Plan the numbers before you apply
Use our mortgage calculators alongside today's rates
Check estimated repayments, affordability, stamp duty, overpayments and loan-to-value in one place. It helps you compare the headline rate with the real monthly cost before speaking to an adviser.
How Can I Compare Mortgage Rates from Top UK Lenders?
Comparison sites may not show every mortgage available to you, and lender coverage varies. We search through our comprehensive panel of 90+ lenders — including intermediary-only deals that are not offered directly to the public.
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We compare deals through our comprehensive panel of 90+ lenders
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Initial advice is free, with any broker fee typically confirmed and agreed before you apply
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Don't Wait — Rates Are Moving Fast
With rates moving quickly, our advisers will search the market and help you lock in a deal that fits your circumstances. Initial advice is free, and if you proceed a broker fee will typically be explained and agreed upfront before you apply.
Get Your QuoteFrequently Asked Questions
The Mortgage Genie provides mortgage and protection advice. Initial advice, borrowing calculations and criteria assessments are free; if you proceed with an application, a broker fee will typically apply and will be confirmed in writing and mutually agreed before any application is submitted. Lender or product-related costs may also apply. See our fees page for full detail. Rates updated 11 September 2026.