Live Rate Tracker

Stay Ahead With Live UK Mortgage Rates & Market Trends

Track today's mortgage rates, lender updates, market movements, and expert insights—all in one premium intelligence platform.

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Today's Rates

Current UK Mortgage Rates

View today's average mortgage products across the UK market, updated every day from 90+ lenders.

10 Year Fixed

4.68%

0.00% today -0.05% this week
— Stable
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2 Year Fixed

4.93%

-0.03% today -0.12% this week
↘ Falling
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5 Year Fixed

4.97%

-0.02% today -0.08% this week
↘ Falling
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Buy To Let

5.12%

-0.01% today -0.05% this week
↘ Falling
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Remortgage

4.54%

-0.04% today -0.14% this week
↘ Falling
View Deals

Variable Rate

6.66%

0.00% today 0.00% this week
— Stable
View Deals
Compare Products

Find The Mortgage That Fits Your Goals

Compare today's most popular mortgage products side by side.

First Time Buyer

Average Rate

4.53%

Deposit Required 5% min
Maximum LTV 95%
Typical Term Up to 35 years
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Home Mover

Average Rate

4.72%

Deposit Required 10% min
Maximum LTV 90%
Typical Term Up to 35 years
Compare Deals

Remortgage

Average Rate

4.54%

Deposit Required 20% equity
Maximum LTV 80%
Typical Term Up to remaining term
Compare Deals

Buy To Let

Average Rate

5.12%

Deposit Required 25% min
Maximum LTV 75%
Typical Term Up to 25 years
Compare Deals

Self-Employed

Average Rate

4.89%

Deposit Required 10% min
Maximum LTV 90%
Typical Term Up to 35 years
Compare Deals

Contractor Mortgage

Average Rate

4.93%

Deposit Required 10% min
Maximum LTV 90%
Typical Term Up to 35 years
Compare Deals
Lender Insights

Latest Activity From Leading UK Lenders

Discover recent lender pricing changes and product updates.

H

Halifax

Rate Down

Rate Reduced

2yr fixed now 4.59% — down 0.08%

09:14 today
N

Nationwide

New Products

New Products

15 new mortgage products added to range

Yesterday
B

Barclays

Limited Offer

Limited-Time Offer

5yr fixed at 4.29% for 60% LTV — ends Friday

2 days ago
H

HSBC

Rate Up

Rate Increase

Tracker products increased by 0.05%

Yesterday
S

Santander

New Products

New Products

First-time buyer range expanded to 95% LTV

3 days ago
V

Virgin Money

Rate Down

Rate Reduced

Buy-to-Let 5yr fixed reduced to 5.05%

Today
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Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.

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Talk to our Mortgage Experts

Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.

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FAQ

Frequently Asked Questions

How often are the mortgage rates updated?

Our rate tracker syncs with lender feeds throughout the working day, so the headline rates, daily movement, and weekly change reflect the latest available UK market pricing.

Is the AI consultation free to use?

Yes. You can start an AI consultation at no cost to compare products, understand fees, and get a personalised shortlist before speaking to a human adviser.

Do the rates shown include product fees?

The headline rates reflect each lender's advertised initial rate. Our comparison view also surfaces product fees and max LTV so you can weigh the true cost over the deal period.

Are you a mortgage broker or a comparison tool?

MTEK is a market intelligence platform. We combine live rate tracking with AI-guided insight, and connect you to qualified advisers when you're ready to apply.

Which lenders do you track?

We monitor the major UK high-street lenders alongside challenger banks and building societies, covering fixed, tracker, and specialist residential products.