The best UK residential mortgage rates this week

Rate: 4.82% fixed to 31 March 2026, reverting to 8.24%

Initial period: 2 years 

Product fee: £1,495

Maximum loan-to-value: 60%

APRC: 7.8%

_{Representative example: £178,000 mortgage over 25 years initially at 4.82% fixed for 27 months reverting to 8.24% variable for term. 27 monthly payments of £1021.99 and 273 monthly payments of £1374.50. Total amount payable £404,707.23 includes loan amount, interest of £224,832, valuation fees of £0 and product fees of £1495. The overall cost for comparison is 7.8% APRC representative.}

Rate: 4.78% fixed to 1 February 2027, reverting to 9.49%

Initial period: 3 years 

Product fee: £995

Maximum loan-to-value: 70%

APRC: 8.3%

_{Representative example: £210,000 mortgage over 25 years initially at 4.78% fixed for 37 months reverting to 9.49% variable for 47 months and 9.24% variable for term. 37 monthly payments of £1200.87, 47 monthly payments of £1768.96 and 216 monthly payments of £1740.08. Total amount payable £504,904.59 includes loan amount, interest of £293,431, valuation fees of £0 and product fees of £995. The overall cost for comparison is 8.3% APRC representative.}

Rate: 4.57% fixed to 31 March 2029, reverting to 6.79%

Initial period: 5 years 

Product fee: £2,995

Maximum loan-to-value: 60%

APRC: 6.2%

_{Representative example: £178,000 mortgage over 25 years initially at 4.57% fixed for 63 months reverting to 6.79% variable for term. 63 monthly payments of £996.47 and 237 monthly payments of £1192.12. Total amount payable £348,740.05 includes loan amount, interest of £167,310, valuation fees of £0 and product fees of £2995. The overall cost for comparison is 6.2% APRC representative.}

Rate: 4.75% fixed to 28 February 2026, reverting to 8.74%

Initial period: 2 years 

Product fee: £999

Maximum loan-to-value: 60%

APRC: 8.2%

_{Representative example: £218,000 mortgage over 25 years initially at 4.75% fixed for 26 months reverting to 8.74% variable for term. 26 monthly payments of £1242.86 and 274 monthly payments of £1752.02. Total amount payable £513,616.84 includes loan amount, interest of £294,368, valuation fees of £200 and product fees of £999. The overall cost for comparison is 8.2% APRC representative.}

Rate:  4.79% fixed for three years, reverting to 7.99%

Initial period: 3 years 

Product fee: £999

Maximum loan-to-value: 60%

APRC: 7.3%

_{Representative example: £218,000 mortgage over 25 years initially at 4.79% fixed for 36 months reverting to 7.99% variable for term. 36 monthly payments of £1247.88 and 264 monthly payments of £1638.54. Total amount payable £478,547.24 includes loan amount, interest of £259,498, valuation fees of £0 and product fees of £999. The overall cost for comparison is 7.3% APRC representative.}

Rate: 4.36% fixed to 1 February 2029, reverting to 9.49%

Initial period: 5 years 

Product fee: £1,295

Maximum loan-to-value: 65%

APRC: 7.4%

_{Representative example: £218,000 mortgage over 25 years initially at 4.36% fixed for 61 months reverting to 9.49% variable for 23 months and 9.24% variable for term. 61 monthly payments of £1194.46, 23 monthly payments of £1777.68 and 216 monthly payments of £1748.67. Total amount payable £493,180.42 includes loan amount, interest of £273,461, valuation fees of £275 and product fees of £1295. The overall cost for comparison is 7.4% APRC representative.}

Rate: 5.24% fixed to 1 February 2026, reverting to 9.49%

Initial period: 2 years

Product fee: £1,295

Maximum loan-to-value: 90%

APRC: 8.9%

_{Representative example: £159,210 mortgage over 25 years initially at 5.24% fixed for 25 months reverting to 9.49% variable for 59 months and 9.24% variable for term. 25 monthly payments of £953.12, 59 monthly payments of £1361.36 and 216 monthly payments of £1339.13. Total amount payable £394,844.32 includes loan amount, interest of £234,190, valuation fees of £0 and product fees of £1295. The overall cost for comparison is 8.9% APRC representative.}

Rate: 4.80% fixed to 1 February 2029, reverting to 9.49%

Initial period: 5 years

Product fee: £1,295

Maximum loan-to-value: 90%

APRC: 7.6%

_{Representative example: £159,210 mortgage over 25 years initially at 4.80% fixed for 61 months reverting to 9.49% variable for 23 months and 9.24% variable for term. 61 monthly payments of £912.27, 23 monthly payments of £1308.00 and 216 monthly payments of £1286.65. Total amount payable £365,092.87 includes loan amount, interest of £204,439, valuation fees of £0 and product fees of £1295. The overall cost for comparison is 7.6% APRC representative.}

Rate: 5.69% fixed to 28 February 2026, reverting to 6.05%

Initial period: 2 years

Product fee: £1,495

Maximum loan-to-value: 95%

APRC: 7.5%

_{Representative example: £168,000 mortgage over 25 years initially at 5.69% fixed for 26 months reverting to 6.05% variable for 36 months and 8.24% variable for term. 26 monthly payments of £1050.82, 36 monthly payments of £1085.20 and 238 monthly payments of £1283.22. Total amount payable £373,429.88 includes loan amount, interest of £203,795, valuation fees of £0 and product fees of £1495. The overall cost for comparison is 7.5% APRC representative.}

Rate: 5.26% fixed to 31 March 2029, reverting to 6.79%

Initial period: 5 years

Product fee: £1,295

Maximum loan-to-value: 95%

APRC: 7.2%

_{Representative example: £168,000 mortgage over 25 years initially at 5.26% fixed for 63 months reverting to 6.79% variable for term. 63 monthly payments of £1007.73 and 237 monthly payments of £1138.39. Total amount payable £334,685.42 includes loan amount, interest of £165,285, valuation fees of £0 and product fees of £1295. The overall cost for comparison is 6.4% APRC representative.}