UK Mortgage Rates Today
Fixed and tracker mortgage market snapshot sourced from Moneyfacts. Figures as of .
Fixed And Tracker Rates Snapshot
| Product | Best Available (Approx.) | Average Rate | Moves With |
|---|---|---|---|
| 2-Year Fixed | 4.69% – 4.99% | 5.97% | Fixed |
| 5-Year Fixed | 4.86% – 5.10% | 6.00% | Fixed |
| 2-Year Tracker | From 3.99% | ~4.5% | Bank Rate + margin |
| 5-Year Tracker | From 4.35% | — | Bank Rate + margin |
Source: Moneyfacts, 26 October 2026. A dated snapshot, not a live feed. Rates are indicative, subject to eligibility, fees and availability, and are not offers. Bank Rate, where shown, is sourced separately from the Bank of England.
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How To Read These Figures
These are market averages. The rate you are offered depends on your deposit, income, credit history, property and the lender's criteria, and fees vary between products.
Fixed rates keep your payment the same for the deal period. Tracker and variable rates move with the Bank Rate or the lender's own rate. Which suits you depends on your circumstances — see our full Fixed vs Tracker comparison.
This page is for information only and is not a recommendation or an offer of credit. Your home may be repossessed if you do not keep up repayments on your mortgage.
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