Sourced from the Bank of England · free to cite
UK Mortgage Rate Index
For August 2026 (observed to 2026-08-31), the Bank of England's quoted rate for a 2-year fix at 75% loan-to-value is 4.92% and for a 5-year fix 4.78%; the revert-to-rate (SVR) figure is 6.58% and Bank Rate is 3.75% as of 2026-09-21. Loan-to-value changes the rate materially, so the table below shows every band the Bank publishes — pick the row that matches your own borrowing.
Published around 7 September. These figures are 23 days old, which is the normal lag for a monthly series. Lenders reprice during the month, so today's live product rates can differ from these.
| Loan-to-value | 2-year fix | 5-year fix | 2-year variable |
|---|---|---|---|
| 60% or less | 4.79% | not published | not published |
| Up to 75% | 4.92% | 4.78% | 4.23% |
| Up to 85% | 5.02% | not published | not published |
| Up to 90% | 5.16% | not published | 4.71% |
| Up to 95% | 5.52% | 5.36% | 5.55% |
The Bank does not publish every term at every band (for example 5-year rates only at two of them). We show “not published” rather than estimate a figure in between.
What these rates are — and are not
Per the Bank of England, each figure is the most competitive rate with the fewest conditions attached from Moneyfacts product data for that loan-to-value band, averaged across the month. It is a headline rate: product fees are not part of it, so a lower rate with a large fee can cost more than a higher rate with none. It is not an average across lenders and not a live best-buy table, some lenders sell only direct, and first-time-buyer-only products are excluded. Use it as a dated market marker for your band — your offer document, or a whole-of-market broker, gives the rate you can actually get.
For journalists and researchers
This page is free to cite or link to directly — it exists so anyone writing about UK mortgage rates has a sourced, dated number instead of a stale press release. Every figure carries the observation date it belongs to and the exact Bank of England series code it comes from (see the table on the methodology page). We take no fee from lenders or brokers and rank nothing, so there is no incentive to shade the numbers either way.
Source: Bank of England Interactive Statistical Database (IADB), series IUMZICQ, IUMBV34, IUMZICR, IUMB482, IUM2WTL (2-year fix at 60/75/85/90/95% LTV), IUMBV42, IUM5WTL (5-year fix at 75/95% LTV), IUMBV48, IUMB479, IUM2WDT (2-year variable at 75/90/95% LTV), IUMTLMV, IUDBEDR — public data, no key required. This is a market marker, not advice; your own mortgage offer states your actual rate.