Rate roundup
UK mortgage rate roundup
Last checked 24 June 2026
These figures are out of date.
This table was last checked on 24 June 2026, 84 days ago. Mortgage pricing moves week to week, so treat the numbers below as historic rather than current. For live pricing, speak to a broker or check the lender directly.
Below is a snapshot of headline residential rates from major UK lenders for a borrower with a 25% deposit and a clean credit file, recorded on 24 June 2026. Actual rates vary by loan-to-value, product fees, term and personal circumstances, so always check with a broker or the lender before deciding.
| Lender | 2-year fix | 5-year fix | Tracker |
|---|---|---|---|
| Nationwide | 4.29% | 4.14% | 5.09% |
| Halifax | 4.34% | 4.19% | 5.14% |
| HSBC | 4.24% | 4.09% | 5.04% |
| Barclays | 4.39% | 4.24% | 5.19% |
| NatWest | 4.32% | 4.17% | 5.12% |
| Santander | 4.36% | 4.21% | 5.16% |
| Coventry BS | 4.29% | 4.14% | 5.09% |
| Skipton BS | 4.44% | 4.29% | 5.24% |
Illustrative rates only. Not a personal recommendation. Sourced from public lender product sheets on 2026-06-24.
What the market is doing
Fixed rates continue to hover in the low-to-mid 4% range for high-street borrowers with strong equity. Two- and five-year fixes are pricing broadly in line, so the choice between them is currently driven more by how long you want rate certainty for than by cost.