Are these the actual rates I'll get?

These are indicative rates based on live market data from 21 April 2026. The rate you get depends on your deposit, income, credit history, and property. Our advisors will find the exact rate you qualify for — completely free.

Are mortgage rates falling again?

Average fixed rates have eased slightly this month — the first month-on-month fall in 2026. Swap rates have settled following the spring volatility, and several major lenders (HSBC, Halifax, Nationwide and Coventry) have all repriced down by 0.05–0.15%. The trend is gentle, not dramatic.

Should I lock in a rate now or wait?

If your existing deal ends in the next six months, securing a rate now still makes sense — you can review and switch closer to completion if better deals appear. Markets currently price in one Bank Rate cut in late 2026, but nothing is guaranteed. Locking in protects you against renewed volatility.

What is a good mortgage rate in the UK right now?

As of 21 April 2026, a good rate is around 3.9–4.1% with 40%+ deposit/equity and 4.2–4.4% with 25% deposit. With 10% deposit, expect 4.4–5.0%. The very lowest rates are usually paired with higher product fees, so always compare total cost.

Will mortgage rates go down in 2026?

Markets are cautiously optimistic. Inflation has eased, swap rates have settled, and one Bank Rate cut is priced in for later in 2026. However, geopolitical events can move rates quickly in either direction — as the spring spike showed.

How often do mortgage rates change?

Rates can change daily. Lenders monitor swap rates and competitor pricing constantly. A broker watches the market so you don't have to — and can switch your application to a better deal before completion if one appears.

What does LTV percentage mean?

LTV (loan-to-value) is the percentage of the property value you're borrowing. If your home is worth £200,000 and you have a £50,000 deposit, your LTV is 75%. Lower LTV usually means a lower rate.

Do you charge for your advice?

Initial advice, borrowing calculations and lender comparisons are always provided fee-free. In a small number of complex or specialist cases an administration fee may apply at the point of application, and the lender or product you choose may have its own costs (such as a product or valuation fee). Any such fees are confirmed in writing and mutually agreed before any application is submitted. See our fees page for full detail.

Can I get a better rate than what's shown here?

Yes, often! We have access to exclusive deals not available on comparison sites or directly from lenders. Talk to us to see what's available for you.

Best Mortgage Rates UK — 21 April 2026

Average fixed rates have eased slightly this month — the first fall of 2026. We search over 90 lenders daily to find the sharpest deals — initial advice is always fee-free.

Market update: Average rates have eased slightly this month for the first time in 2026 — but pricing remains volatile. If your deal ends in the next six months, lock in a rate now and review closer to completion.

Best 2-Year Fixed Mortgage Rates

Fix your payments for 2 years. Ideal if you want flexibility to switch sooner. Average 2-year fixed rates have eased slightly this month for the first time in 2026 as swap rates settle following the spring volatility.

60% LTVFixed to April 2028

HSBC — £999 product fee

3.94%

75% LTVFixed to April 2028

First Direct — £490 fee

4.04%

90% LTVFixed to April 2028

Halifax — £999 fee

4.39%

95% LTVFixed to April 2028

Barclays — no product fee

4.92%

Best 5-Year Fixed Mortgage Rates

The UK's most popular choice. Lock in your payments for 5 full years — providing certainty through whatever happens next with Bank Rate.

60% LTVFixed to April 2031

HSBC — £999 fee | First Direct £490 fee

4.09%

75% LTVFixed to April 2031

Nationwide — £999 fee

4.18%

90% LTVFixed to April 2031

Allied Irish Bank — £750 cashback

4.44%

95% LTVFixed to April 2031

HSBC — £350 cashback

4.96%

Best Buy-to-Let Mortgage Rates

Rates for landlords. BTL pricing has stabilised this month, with several lenders re-launching competitive 2-year deals as remortgage demand surges.

60% LTVFixed for 2 years

BM Solutions — 5% arrangement fee | rental cover required

3.49%

75% LTVFixed for 2 years

The Mortgage Works — 3% fee

3.79%

60% LTVFixed for 5 years

Coventry BS — £1,999 fee

3.99%

75% LTVFixed for 5 years

Accord — £1,995 fee

4.24%

Best Remortgage Rates

Switching your deal? Many lenders are now offering free legal work and free valuations on remortgages — saving you £400+ on top of the rate itself.

60% equity2-year fixed

HSBC — £1,008 fee | Free legal & valuation

4.04%

75% equity2-year fixed

Halifax — £1,099 fee | Free legals

4.15%

60% equity5-year fixed

First Direct — £490 fee | Free valuation

4.14%

75% equity5-year fixed

Allied Irish Bank — £1,000 cashback

4.22%

Source: L&C, Moneyfacts, HOA — 21 April 2026. Rates are indicative and depend on your circumstances. Get a personalised quote — initial advice is always fee-free. See how we're paid and how we work.

Historic Rates

See how fast rates have moved. The table below shows where rates stood before the March 2026 repricing event.

Mid-March 2026

Peak of the spring repricing — sub-4% fixed deals had disappeared and lenders were withdrawing products with hours' notice

2-Year Fixed (60% LTV)

4.01%-0.07%

5-Year Fixed (60% LTV)

4.19%-0.10%

BTL 2-Year Fixed (60% LTV)

3.69%-0.20%

Remortgage 2-Year (60% equity)

4.14%-0.10%

Remortgage 5-Year (60% equity)

4.24%-0.10%

Early March 2026

Before the Middle East conflict repricing — sub-4% deals were widely available

2-Year Fixed (60% LTV)

3.54%+0.40%

5-Year Fixed (60% LTV)

3.69%+0.40%

BTL 2-Year Fixed (60% LTV)

3.39%+0.10%

Remortgage 2-Year (60% equity)

3.49%+0.55%

Remortgage 5-Year (60% equity)

3.64%+0.50%

January 2026

Post-February rate cut optimism — rates were at their 2026 low point

2-Year Fixed (60% LTV)

3.39%+0.62%

5-Year Fixed (60% LTV)

3.54%+0.65%

BTL 2-Year Fixed (65% LTV)

2.19%+0.15%

Remortgage 2-Year (60% equity)

3.29%+0.85%

Remortgage 5-Year (60% equity)

3.49%+0.75%

Rates are rising fast. Lock in before they climb higher.

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How Can I Compare Mortgage Rates from Top UK Lenders?

Comparison websites only show deals from lenders who pay to be listed. We search the entire market — every lender, every deal — including ones you can't find on Compare the Market, MoneySupermarket, or by going directly to banks like Halifax, Nationwide, or Barclays.

90+ Lenders

We compare deals from 90+ lenders, not just a select panel

100% Fee-Free

You never pay us a penny — we're paid by the lender

Expert Advice

Qualified advisors who handle everything from application to completion

Don't Wait — Rates Are Moving Fast

With sub-4% deals gone and further rises expected, our fee-free advisors will search the whole market and lock in the best deal for your circumstances — at no cost to you.

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Frequently Asked Questions

The Mortgage Genie is a fee-free mortgage and protection broker. Initial advice, borrowing calculations and criteria assessments are provided fee-free; any administration, lender or product-related costs that could apply will be confirmed in writing and mutually agreed before any application is submitted. See our fees page for full detail. Rates updated 21 April 2026.