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Your home may be repossessed if you do not keep up repayments on your mortgage.
Best UK Mortgage Rates — 1 October 2026
Today's lowest rates from across the market. Rates are updated daily — lock in before they change.
2-Year Fixed (60% LTV)
4.01%
HSBC
£999 product fee
5-Year Fixed (60% LTV)
4.19%
HSBC
£999 product fee
2-Year Fixed (75% LTV)
4.10%
First Direct
£490 fee
5-Year Fixed (75% LTV)
4.25%
Allied Irish Bank
£750 cashback
2-Year Fixed (90% LTV)
4.44%
HSBC
£749 fee
5-Year Fixed (95% LTV)
5.03%
HSBC
£350 cashback
Rates updated daily via AI-powered market scan. Your rate depends on your circumstances.
Why Choose The Mortgage Genie?
80+ Lenders
We compare deals across our comprehensive lender panel — not just a select panel
Honest Advice
Free initial consultation — any broker fee agreed in writing upfront
Fast Response
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Rates are changing fast. Lock in a suitable deal today — you can start with free initial advice.
The Mortgage Genie connects you with qualified mortgage advisors at The Mortgage Genie. Rates shown are indicative and updated daily.