Best mortgage rates · October 2026

Today's best rates, straight from the source.

Fixed and tracker best-buys for every purpose and deposit size.

40+ lender product books Fee & no-fee best buys No signup, no credit check Refreshed nightly

Refreshed nightly — rates as of 12 October 2026

Loan to valueLTV = loan ÷ property value. A £50k deposit on a £250k home is 80% LTV.

First-time buyer best rates

Top deals for buying your first home, ranked by initial rate at your deposit size.

FixedTracker

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 L	4.94%	£1,453on £250,000	Dec 2028	7.24%	£999	See full deal →
1 L	4.94%	£1,453on £250,000	Free legalsnot includedFree valuationnot included			See full deal →
2 L	5.11%	£1,478on £250,000	Dec 2028	7.24%	None	See full deal →
2 L	5.11%	£1,478on £250,000	Fee saverincludedFree legalsnot includedFree valuationnot included			See full deal →
3 H	5.14%	£1,482on £250,000	Dec 2028	7.24%	£999	See full deal →
3 H	5.14%	£1,482on £250,000	Free legalsnot includedFree valuationnot included			See full deal →
4 S	5.16%	£1,485on £250,000	Jan 2029	6.50%	£999	See full deal →
4 S	5.16%	£1,485on £250,000	Free legalsnot includedFree valuationincludedCashback£250			See full deal →
5 H	5.31%	£1,507on £250,000	Dec 2028	7.24%	None	See full deal →
5 H	5.31%	£1,507on £250,000	Fee saverincludedFree legalsnot includedFree valuationnot includedCashback£250			See full deal →

Cheapest with no product feeLloyds Bank at 5.11% — £1,478/moView →

Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

Deep dive: best first-time buyer rates by term →

Home mover best rates

Moving home? The lowest rates for a new purchase mortgage.

FixedTracker

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 L	4.94%	£1,453on £250,000	Dec 2028	7.24%	£999	See full deal →
1 L	4.94%	£1,453on £250,000	Free legalsnot includedFree valuationnot included			See full deal →
2 S	5.02%	£1,464on £250,000	Jan 2029	6.50%	£1,499	See full deal →
2 S	5.02%	£1,464on £250,000	Free legalsnot includedFree valuationincludedCashback£250			See full deal →
3 L	5.11%	£1,478on £250,000	Dec 2028	7.24%	None	See full deal →
3 L	5.11%	£1,478on £250,000	Fee saverincludedFree legalsnot includedFree valuationnot included			See full deal →
4 H	5.31%	£1,507on £250,000	Dec 2028	7.24%	None	See full deal →
4 H	5.31%	£1,507on £250,000	Fee saverincludedFree legalsnot includedFree valuationnot included			See full deal →
5 S	5.34%	£1,511on £250,000	Jan 2029	6.50%	None	See full deal →
5 S	5.34%	£1,511on £250,000	Fee saverincludedFree legalsnot includedFree valuationincludedCashback£250			See full deal →

Cheapest with no product feeLloyds Bank at 5.11% — £1,478/moView →

Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

Deep dive: best home mover rates by term →

Remortgage best rates

Fix ending? The cheapest deals to switch to, before your lender's standard rate bites.

FixedTracker

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 Y	5.06%	£1,470on £250,000	Jan 2029	6.74%	£1,495	See full deal →
1 Y	5.06%	£1,470on £250,000	Free legalsincludedFree valuationincluded			See full deal →
2 L	5.11%	£1,478on £250,000	Dec 2028	7.24%	£999	See full deal →
2 L	5.11%	£1,478on £250,000	Free legalsnot includedFree valuationincluded			See full deal →
3 H	5.15%	£1,483on £250,000	Dec 2028	7.24%	£1,999	See full deal →
3 H	5.15%	£1,483on £250,000	Free legalsnot includedFree valuationincluded			See full deal →
4 Y	5.44%	£1,526on £250,000	Jan 2029	6.74%	None	See full deal →
4 Y	5.44%	£1,526on £250,000	Fee saverincludedFree legalsnot includedFree valuationincludedCashback£250			See full deal →
5 S	5.44%	£1,526on £250,000	2 yrs	6.29%	None	See full deal →
5 S	5.44%	£1,526on £250,000	Fee saverincludedFree legalsnot includedFree valuationnot included			See full deal →

Cheapest with no product feeYorkshire Building Society at 5.44% — £1,526/moView →

Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

Deep dive: best remortgage rates by term →

Buy-to-let purchase best rates

Top BTL deals for a new rental property purchase. Monthly shown interest-only.

FixedTracker

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 H	4.92%	£820on £200,000 int-only	Jan 2029	7.25%	£3,999	See full deal →
1 H	4.92%	£820on £200,000 int-only	Free legalsnot includedFree valuationincluded			See full deal →
2 S	4.99%	£832on £200,000 int-only	Jan 2029	6.50%	£1,749	See full deal →
2 S	4.99%	£832on £200,000 int-only	Free legalsnot includedFree valuationincluded			See full deal →
3 B	5.22%	£870on £200,000 int-only	Dec 2028	8.24%	£899	See full deal →
3 B	5.22%	£870on £200,000 int-only	Free legalsnot includedFree valuationnot included			See full deal →
4 H	5.44%	£907on £200,000 int-only	Jan 2029	7.25%	None	See full deal →
4 H	5.44%	£907on £200,000 int-only	Fee saverincludedFree legalsnot includedFree valuationincluded			See full deal →
5 L	5.71%	£952on £200,000 int-only	Jan 2029	8.04%	None	See full deal →
5 L	5.71%	£952on £200,000 int-only	Fee saverincludedFree legalsnot includedFree valuationnot included			See full deal →

Cheapest with no product feeHSBC Bank at 5.44% — £907/moView →

Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

Deep dive: best buy-to-let purchase rates by term →

Buy-to-let remortgage best rates

Refinance your rental at today's lowest BTL rates. Monthly shown interest-only.

FixedTracker

Lender	Initial rate	Monthly	Fixed until	Then	Product fee
1 H	5.04%	£840on £200,000 int-only	Jan 2029	7.25%	£3,999	See full deal →
1 H	5.04%	£840on £200,000 int-only	Free legalsincludedFree valuationincluded			See full deal →
2 S	5.24%	£873on £200,000 int-only	Jan 2029	6.50%	£1,749	See full deal →
2 S	5.24%	£873on £200,000 int-only	Free legalsincludedFree valuationincludedCashback£250			See full deal →
3 P	5.25%	£875on £200,000 int-only	Jan 2029	6.80%	3%	See full deal →
3 P	5.25%	£875on £200,000 int-only	Free legalsnot includedFree valuationincluded			See full deal →
4 H	5.54%	£923on £200,000 int-only	Jan 2029	7.25%	None	See full deal →
4 H	5.54%	£923on £200,000 int-only	Fee saverincludedFree legalsincludedFree valuationincluded			See full deal →
5 B	5.62%	£937on £200,000 int-only	Dec 2028	8.24%	None	See full deal →
5 B	5.62%	£937on £200,000 int-only	Fee saverincludedFree legalsincludedFree valuationnot included			See full deal →

Cheapest with no product feeHSBC Bank at 5.54% — £923/moView →

Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

Deep dive: best buy-to-let remortgage rates by term →

We ingest the data ourselves

Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.

Refreshed every night

Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.

Mortgages only

We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.

Frequently asked questions

How these tables work, and how to choose between the deals on them.

01How often are these mortgage rates updated?

Every night. We ingest product data directly from lender sources and run it through our quality-assurance pipeline, so the tables here reflect each lender's live product book as of the most recent nightly refresh — not a manually maintained best-buy list.

02Should I choose a 2-year or 5-year fixed rate?

A shorter fix usually has a lower rate and lets you switch sooner if rates fall, but you'll pay remortgage costs more often and face rate uncertainty sooner. A longer fix costs slightly more but locks your payment for longer. Our fixed term comparison calculator shows the exact break-even rate for your numbers.

03What LTV gets the best mortgage rates?

Rates are priced in loan-to-value bands, and the best pricing sits at 60% LTV or below — meaning at least a 40% deposit or equity stake. Each band up (65%, 70%, 75% and so on) prices a little higher, with the biggest jumps above 85% LTV. Use the LTV selector above to see deals priced for your band.

04Is a deal with a product fee ever better than a no-fee deal?

Often, yes — on larger loans a £999 fee can be outweighed by a lower rate within months. On smaller loans the no-fee deal usually wins. That's why we show the best no-fee deal under every table, and our fee vs rate calculator works out the true cost for your loan size.

05Should I pick a tracker or a fixed rate right now?

A tracker follows the Bank of England base rate, so your payment falls if the base rate is cut — and rises if it isn't. A fix gives certainty. Trackers tend to suit borrowers who can absorb payment rises and expect rates to fall; fixes suit anyone who values a known payment. We show the best of both above so you can compare like-for-like.

06Do these tables show every lender in the market?

The tables show the top-ranked products from the 40+ UK lender product books we ingest nightly. We're a mortgage-only comparison site and ingest data ourselves rather than licensing a third-party panel — which sometimes means we list products other sites miss. Rates shown are for comparison; lenders' full criteria apply.

Today's best rates, straight from the source.

First-time buyer best rates

Home mover best rates

Remortgage best rates

Buy-to-let purchase best rates

Buy-to-let remortgage best rates

Browse best rates by term

We ingest the data ourselves

Refreshed every night

Mortgages only

Frequently asked questions

Work out which deal actually wins

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