Sample UK Mortgage Rates

An indicative snapshot of representative UK mortgage rates across common LTV bands and product types. These are examples used to illustrate the market, not personalised quotes. The specific rate you qualify for depends on your income, credit profile, property and loan-to-value.

By · Reviewed by the compliance team at The Mortgage Genie Limited · Last reviewed

What this table shows

  • Product type: fixed (2, 3 or 5 year), tracker, buy-to-let.
  • Loan-to-value band: 60%, 75%, 85%, 90%, 95%.
  • Headline rate: the pay rate, not APRC. Fees may apply.
  • Lender and fee/incentive where known.

How we source and refresh rates

Rates are gathered from a mix of public lender websites and sourcing systems used by advisers on the Primis Mortgage Network panel. A scheduled job refreshes the underlying dataset each weekday morning. If the dataset is more than 48 hours old, an on-page warning tells you the snapshot is stale and to contact an adviser for a current rate.

Representative assumptions

  • Repayment (capital & interest) on a residential property in England.
  • Standard construction; not new-build or ex-local-authority.
  • Clean credit; income and affordability meeting the lender's standard criteria.
  • For buy-to-let: personal name, single-let, standard rental cover assumptions.

Broker, direct and panel availability

Some rates shown are available through both broker and direct channels; others are broker-only or direct-only. We only recommend products from our comprehensive panel of 90+ lenders via Primis — this does not include every lender in the UK market.

Important warning

Rates can change without notice. A rate shown here today may be withdrawn or repriced by the lender at any point. Do not make purchase or remortgage decisions based on the snapshot alone — request a personalised illustration.

Frequently Asked Questions

Are these the "best" rates?

No — we no longer describe rates as "best". These are indicative sample rates used to illustrate the market. Your rate depends on your circumstances.

How often are the rates updated?

The underlying dataset refreshes each weekday morning. Stale snapshots (over 48 hours) show an on-page warning.

The Mortgage Genie Limited is an Appointed Representative of First Complete Limited, trading as Primis Mortgage Network, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Genie FCA No 754691; First Complete (Primis) FCA No 435779.

Your home may be repossessed if you do not keep up repayments on your mortgage.