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What are the current UK mortgage interest rates?
On Thursday 16th January 2025
Average fixed-term mortgage rates for home-buyers with 5-10% deposits
Loan to value (LTV)Term Average rate Thursday 16th January 2025
95% 2-year fixed 5.68%
95% 5-year fixed 5.36%
90% 2-year fixed 5.36%
90% 5-year fixed 4.97%
Average fixed-term mortgage rates for home-buyers with 15-25% deposits
Loan to value (LTV)Term Average rate Thursday 16th January 2025
85% 2-year fixed 4.91%
85% 5-year fixed 4.69%
75% 2-year fixed 4.75%
75% 5-year fixed 4.61%
Average fixed-term mortgage rates for home-buyers with 40% deposits
Loan to value (LTV)Term Average rate Thursday 16th January 2025
60% 2-year fixed 4.36%
60% 5-year fixed 4.26%
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