Compare UK Mortgage Products
A flat comparison of every UK mortgage product type across the six headline LTV bands. Fix lengths from two to ten years, plus trackers and standard variable rates, all in one table. The average rate is the FCA MLAR market mean; the best-buy rate is the cheapest publicly-advertised deal in each cell.
Fixed-rate mortgages
The fixed-rate product holds your mortgage rate constant for the contracted term — typically two, five, or ten years. The average rate is the FCA MLAR weighted mean across all UK lenders; the best-buy rate is the cheapest deal advertised publicly. Both move materially with each MPC decision and the surrounding swap-curve movement.
| LTV band | Fix length | Average rate | Best buy | Sample size |
|---|---|---|---|---|
| 60% | 2-year fix | 5.20% | 4.75% | 16 |
| 60% | 5-year fix | 5.35% | 4.90% | 16 |
| 60% | 10-year fix | 5.50% | 5.05% | 16 |
| 75% | 2-year fix | 5.88% | 5.43% | 17 |
| 75% | 5-year fix | 6.03% | 5.58% | 17 |
| 75% | 10-year fix | 6.18% | 5.73% | 17 |
| 80% | 2-year fix | 6.10% | 5.65% | 15 |
| 80% | 5-year fix | 6.25% | 5.80% | 15 |
| 80% | 10-year fix | 6.40% | 5.95% | 15 |
| 85% | 2-year fix | 6.33% | 5.88% | 13 |
| 85% | 5-year fix | 6.48% | 6.03% | 13 |
| 85% | 10-year fix | 6.63% | 6.18% | 13 |
| 90% | 2-year fix | 6.55% | 6.10% | 18 |
| 90% | 5-year fix | 6.70% | 6.25% | 18 |
| 90% | 10-year fix | 6.85% | 6.40% | 18 |
| 95% | 2-year fix | 6.78% | 6.33% | 16 |
| 95% | 5-year fix | 6.93% | 6.48% | 16 |
| 95% | 10-year fix | 7.07% | 6.62% | 16 |
Tracker mortgages
Trackers float with the Bank of England base rate plus a contracted margin. They reprice within one billing cycle of any MPC move. The headline rate shown is the prevailing rate as of the snapshot date; the underlying margin (rate above base) stays fixed for the tracker term.
| LTV band | Average rate | Best buy | Sample size |
|---|---|---|---|
| 60% | 4.95% | 4.50% | 16 |
| 75% | 5.63% | 5.18% | 17 |
| 80% | 5.85% | 5.40% | 15 |
| 85% | 6.08% | 5.63% | 13 |
| 90% | 6.30% | 5.85% | 18 |
| 95% | 6.53% | 6.08% | 16 |
Standard variable rates
The standard variable rate is the lender’s open-ended default rate — what you fall onto when any fix or tracker expires. SVRs are typically three to four percentage points above the Bank Rate and reprice slowly. They are not a competitive product; the rate exists to nudge customers to remortgage to a new deal.
| LTV band | Average SVR | Best buy SVR |
|---|---|---|
| 60% | 8.65% | 8.20% |
| 75% | 9.32% | 8.87% |
| 80% | 9.55% | 9.10% |
| 85% | 9.78% | 9.33% |
| 90% | 10.00% | 9.55% |
| 95% | 10.23% | 9.78% |
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