Current Mortgage Rates— April 2026
Indicative rates from across the market, updated regularly by our advisers. Rates are representative — your actual rate will depend on your individual circumstances, credit history and lender criteria.
Bank of England Base Rate: 4.50% (effective March 2025)
Showing 21 rates
4.12%
Typical high street lender
4.38%
Typical high street lender
4.67%
Typical high street lender
5.14%
Typical high street lender
5.72%
Typical high street lender
3.98%
Typical high street lender
4.21%
Typical high street lender
4.52%
Typical high street lender
4.89%
Typical high street lender
5.43%
Typical high street lender
4.45%
Typical high street lender
4.71%
Typical high street lender
4.74%
Typical tracker lender
4.99%
Typical tracker lender
5.24%
Typical tracker lender
4.55%
Typical variable lender
4.89%
Typical variable lender
4.89%
Typical BTL lender
4.65%
Typical BTL lender
5.34%
Typical BTL lender
5.09%
Typical BTL lender
Current Rate Trends
2-year fixed rates
Currently averaging 4.12%–5.72% depending on LTV. Rates have fallen from their 2023 peak above 6%, offering better affordability for borrowers with larger deposits.
5-year fixed rates
Currently averaging 3.98%–5.43%. Many borrowers are favouring 5-year fixes for payment certainty in the current market, and they remain competitively priced versus 2-year deals.
Bank of England Base Rate
Currently 4.50%. Markets are pricing in 1–2 further cuts in 2026, which could push tracker and variable rates lower. Speak to an adviser about whether a tracker deal could suit you.
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The rates shown are indicative market rates for illustrative purposes only and are updated periodically by Mortgage International. They do not represent a mortgage offer or guarantee of the rate you will receive. Your actual rate will depend on your individual circumstances, credit history, income, property value and lender criteria. Mortgage International is a trading style of Mortgage Int Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.