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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%

Hoskin Mortgages

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Hoskin Mortgages is a trading name of Hoskin Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority No.613005. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage.

©2021 by Hoskin Mortgages.

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