Weekly rate roundup
UK mortgage rate roundup
Updated 24 June 2026
Below is a snapshot of headline residential rates from major UK lenders for a borrower with a 25% deposit and a clean credit file. Actual rates vary by loan-to-value, product fees, term and personal circumstances, always check with a broker 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.