Who has had the lowest mortgage rates over the last 2 weeks?
We check lenders’ deals every night and rank them. Pick a purpose, LTV and product type to see who has led.
Rates as of 20 October 2026
Who has had the lowest 2 year fixed rates for a remortgage at 75% LTV?
Yorkshire BS has had the lowest rate since 11 Oct, at 5.06%. The top 3 changed on 10, 11 and 16 Oct.
Each ribbon is a lender’s lowest initial rate while it was in the top 3. Shaded days are when the top 3 changed; an open ring is a lender’s last day in the top 3. We rank each lender’s lowest initial rate from the deals we check each night; equal rates share a place. Only deals open to a £200,000 loan are included. Deals that need a premier current account are marked. Rates are for comparison and each lender’s criteria apply.
See today’s 2 year fixes →How do the other product types compare today?
The lowest rate today is the 2 year tracker from Yorkshire BS, at 4.18%.
- 2 year fixed5.06%£1,495 fee
- 3 year fixed5.13%£999 fee
- 5 year fixed5.07%£1,495 fee
- 10 year fixed5.26%£999 fee
- 2 year tracker4.18%£995 fee
- 5 year tracker4.75%£999 fee
Which lenders held 1st place most often?
Yorkshire BS held 1st on 10 of the last 14 days.
| Lender | Days in 1st |
|---|---|
| Yorkshire BS | 10 |
| Lloyds | 3 |
| NatWest | 1 |
How do we pick the top 3?
We check lenders’ deals every night. For each lender we take its lowest initial rate, then rank the lenders from lowest to highest; equal rates share a place.
What is true cost?
True cost is the interest and fees over the product type’s deal period, on a £200,000 loan over 25 years (interest-only for buy to let). Only deals open to a £200,000 loan are included, and cashback is not counted.
What are Premier deals?
Some lenders only offer a deal to customers with a premier current account. We mark these deals, and you can hide them with the switch above the chart.
What if a night is missing?
If we could not check the deals on a night, that day is left blank rather than filled in, and the chart shows a break.
Can I get the data?
Yes.
Download this purpose’s data (CSV)
Need something else, such as a longer history? Tell us what you need.