UK Mortgage Interest Rates
Track how mortgage rates have shifted through time, how pricing differs by LTV, and how borrowing costs compare with bread-adjusted house prices.
Interest Rates vs Bread-Adjusted UK House Prices
This chart puts borrowing costs next to real-terms house prices (loaves of bread) to show whether affordability pressure came from rates, prices, or both.
Effective Rates Over Time
Effective rates show the average cost borrowers pay on new fixed deals versus outstanding fixed mortgages.
Gap Between New and Outstanding Rates
Positive values mean new fixed loans cost more than the outstanding stock.
2-Year Fixed Rates by LTV (Latest)
A snapshot of how pricing changes with borrower equity at the latest available date.
2-Year Fixed Rates by LTV (History)
Track how different LTV bands move through time and where they diverge most.
Interest Rates vs UK House Prices (Nominal)
Nominal prices show headline affordability pressure compared with borrowing costs.
2-Year Fixed 75% LTV vs Effective Rates
Compare lender pricing for a representative 75% LTV borrower against the effective rates paid across the market.
Average 2-Year Fixed Rate Across LTVs
A blended view that smooths LTV differences into a single market-wide rate.
Monthly Rate Changes (2-Year Fixed, 75% LTV)
Month-to-month changes show how quickly lenders are repricing credit.
Rate Level vs Monthly Change (2-Year Fixed, 75% LTV)
See whether sharp rate changes occur when rates are already high or low.