Sample UK Mortgage Rates
A sample of published rates from major UK lenders, shown only once the underlying snapshot has been verified as current — for illustration only. We search a comprehensive panel of 80+ 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 They are not a live quote, do not include our panel of 80+ lenders, and can be withdrawn or repriced at any time.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.
Please note: lender pricing can change or be withdrawn at short notice, and nobody can predict its direction. If your deal ends in the next six months, speak to an adviser about your options and review again closer to completion.
Sample rate tables
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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: detailed rate cards are only rendered when the underlying snapshot is verified as under 48 hours old. If the snapshot is older, we show an out-of-date notice instead of the figures, and if no verified data is available we show no figures at all rather than reusing old ones.
- 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 80+ lenders — including intermediary-only deals that are not offered directly to the public.
80+ Lenders
We compare deals through our comprehensive panel of 80+ lenders
Transparent Fees
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. Sample rates last updated pending verification.