HSBC Cuts 2-year fixed Rates but Raises tracker Deals
HSBC mortgage rates fell by up to 11 basis points. See the affected products, old and new rates, fees and repayment illustration Published 2 September 2026.
Compare current UK mortgage rates and market data
RateWatch helps borrowers and brokers compare current mortgage pricing from supported UK lenders and understand the economic signals that can influence borrowing costs.
- Compare lender rates by mortgage purpose, term, loan-to-value band and fee tier.
- Follow Bank of England decisions, inflation and other market indicators alongside lender changes.
- Read dated, reviewed mortgage analysis linked to the underlying RateWatch data.
Current mortgage data coverage
At render time RateWatch has 1,405 latest stored product rows across 9 supported lenders within the configured 120-day data window. The freshest lender observation in this snapshot is dated .
“Latest stored” does not guarantee that every lender updated on the same date. Coverage varies by lender, product purpose, LTV and fee tier. Use the date and filters on the comparison pages before relying on an individual rate.
Latest mortgage rate analysis
Read dated analysis based on RateWatch lender observations. Historical articles retain their publication context and should not be treated as today's pricing.
Leeds Building Society Cuts 2-year fixed Mortgage Rate to 5.20%
Leeds Building Society mortgage rates fell by up to 99 basis points. See the affected products, old and new rates, fees and repayment illustration Published 30 August 2026.
Accord Cuts 2-year fixed Rates but Raises 5-year fixed Deals
Accord mortgage rates fell by up to 27 basis points. See the affected products, old and new rates, fees and repayment illustration Published 30 August 2026.
Compare like-for-like UK mortgage rates
A useful mortgage comparison starts with products that match the same borrower situation. RateWatch separates new purchase, remortgage and supported customer-switching products, then lets you compare fixed or tracker terms, loan-to-value bands and fee tiers. This avoids treating every headline rate as if it were available to every borrower.
The lowest interest rate is not automatically the lowest-cost deal. Arrangement fees, eligibility, early repayment charges and the length of the initial period all matter. RateWatch is an information and monitoring service, not personalised financial advice, so use the comparison as a starting point and check the lender's current criteria before making a decision.
How RateWatch sources and updates mortgage data
RateWatch records product information published by the supported lenders and retains the observation date attached to each rate. Current coverage and the freshest lender date are shown from validated runtime data rather than being written into evergreen marketing copy. Products can change quickly, so always check the date, product purpose, LTV and fee before relying on a row.
The service currently focuses on a defined group of major UK lenders rather than claiming whole-of-market coverage. Empty, unsupported or stale generated combinations are excluded from indexing and from the sitemap under the application's permanent SEO eligibility rules.
Understand what can move mortgage pricing
Bank Rate affects tracker mortgages directly when a product is priced as a margin above the Bank of England rate. Fixed mortgage pricing also reflects wholesale funding, swap-market expectations, lender demand and competition, so a Bank Rate change does not guarantee an immediate or equal change to every fixed deal.
RateWatch places lender movements beside Bank of England, inflation, gilt, energy and wider fiscal data. These dashboards provide context, but they are not forecasts and should not be read as a promise that mortgage rates will move in a particular direction.
Who the mortgage rate tracker is for
Remortgage borrowers can monitor pricing before an existing deal ends, first-time buyers can compare products for their deposit band, home movers can review new-purchase options, and brokers can use the dated lender history as a market reference. The comparison, lender and cost-calculator pages provide the detailed tools; the homepage explains how the data fits together.
Mortgage rate questions
Which mortgage lenders does RateWatch track?
RateWatch currently tracks supported products from Accord, Barclays, Halifax, HSBC, Leeds Building Society, Lloyds, Nationwide, NatWest and Santander. Coverage varies by product, borrower type, LTV and fee tier.
How often are mortgage rates checked?
The service checks supported lender sources several times each day. Each data view shows the latest available observation date so readers can judge freshness before using a rate.
Does the lowest rate mean the cheapest mortgage?
Not always. Product fees, eligibility, the initial deal period and other costs can outweigh a small difference in the headline rate. Compare like-for-like products and consider total cost.
Is RateWatch mortgage advice?
No. RateWatch is not a mortgage broker, does not sell or arrange mortgages and does not make personal recommendations. It provides mortgage-rate monitoring, comparison data and market context. If you need advice based on your circumstances, speak to an appropriately authorised mortgage adviser.
What is a mortgage rate tracker?
A mortgage rate tracker records published mortgage rates so changes can be compared over time. RateWatch shows dated observations for supported lenders, products, LTV bands, terms and fee tiers. It is a data and monitoring service, not a mortgage broker or a mortgage product.
How does RateWatch track mortgage rates?
RateWatch checks product information published by its supported lenders several times each day and stores dated rate observations. The site displays the latest available lender date and historical movements where data is available.
Is RateWatch a mortgage broker?
No. RateWatch is not a mortgage broker. It does not assess your circumstances, recommend a mortgage, submit an application or arrange a loan. Its role is to present dated mortgage-rate data and market context without trying to complete a mortgage sale.
Can I apply for or buy a mortgage through RateWatch?
No. RateWatch does not sell mortgages and does not take mortgage applications. You can use the site to research supported products, then verify the current terms and eligibility requirements with the lender or an appropriately authorised mortgage adviser.
Do lenders pay to appear higher in RateWatch results?
No. RateWatch does not sell sponsored positions in its mortgage-rate results. A lender cannot pay to move a product above another product, and the information is not ordered to generate a mortgage sale.
Does RateWatch cover the whole UK mortgage market?
No. RateWatch covers supported products from the lenders named on the site and does not claim whole-of-market coverage. Product availability also varies by mortgage purpose, LTV, term, fee tier and lender criteria.
What is an LTV band and why does it matter?
Loan to value, or LTV, is the mortgage amount expressed as a percentage of the property's value. Lenders commonly price products at defined LTV bands, so RateWatch keeps those bands separate when displaying and comparing rates.
What is an early repayment charge and does RateWatch calculate it?
An early repayment charge, or ERC, is a fee a lender may charge if a mortgage is repaid or changed during a period specified in that mortgage's terms. RateWatch does not calculate a personal ERC. Check your existing mortgage documents or ask your lender for the amount that applies to you.
Why does RateWatch show mortgage product codes?
A product code helps distinguish one lender product from another when rates, fees or eligibility details are similar. RateWatch shows a code only where it has been captured for that dated product observation; where no code is available, the site says so.
Does a rate shown on RateWatch guarantee that I can get that mortgage?
No. A displayed rate is not an offer, approval or eligibility decision. The lender's current criteria, affordability checks, property requirements and product availability determine whether a mortgage is available to an applicant.