Mortgage Rate Insights

NatWest has cut 26 tracked mortgage rate rows, led by Remortgage 90% LTV 2-year fixed moving from 5.75% to 5.47% in the RateWatch current mortgage rates UK dataset.

HSBC has changed 125 tracked mortgage rate rows, led by Remortgage BTL Range (A, B and C Rated Properties Only) 80% LTV 5-year fixed moving from 4.44% to 5.54% in the RateWatch current mortgage rates UK dataset.

Lloyds has cut 38 tracked mortgage rate rows, led by First Time Buyer 90% LTV 2-year fixed moving from 5.02% to 4.92% in the RateWatch current mortgage rates UK dataset.

Halifax has cut 38 tracked mortgage rate rows, led by First Time Buyer 90% LTV 2-year fixed moving from 5.02% to 4.92% in the RateWatch current mortgage rates UK dataset.

NatWest has cut 28 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.92% to 4.81% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 5 June 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

Santander has cut 18 tracked mortgage rate rows, led by First Time Buyer 85% LTV 5-year fixed moving from 4.98% to 4.81% in the RateWatch current mortgage rates UK dataset.

HSBC has changed 123 tracked mortgage rate rows, led by Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient 80% LTV 5-year fixed moving from 4.85% to 5.79% in the RateWatch current mortgage rates UK dataset.

Lloyds has cut 26 tracked mortgage rate rows, led by Remortgage 75% LTV 2-year fixed moving from 4.80% to 4.66% in the RateWatch current mortgage rates UK dataset.

Halifax has cut 26 tracked mortgage rate rows, led by Remortgage 75% LTV 2-year fixed moving from 4.80% to 4.66% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 29 May 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

NatWest has cut 30 tracked mortgage rate rows, led by Remortgage 80% LTV tracker moving from 4.96% to 4.42% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 22 May 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

Santander has cut 21 tracked mortgage rate rows, led by Remortgage 75% LTV tracker moving from 4.69% to 4.42% in the RateWatch current mortgage rates UK dataset.

NatWest has raised 30 tracked mortgage rate rows, led by New Purchase 60% LTV 2-year fixed moving from 4.49% to 4.73% in the RateWatch current mortgage rates UK dataset.

Lloyds has cut 35 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.89% to 4.75% in the RateWatch current mortgage rates UK dataset.

Halifax has cut 35 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.89% to 4.75% in the RateWatch current mortgage rates UK dataset.

Barclays has raised 2 tracked mortgage rate rows, led by New Purchase 75% LTV tracker moving from 4.11% to 4.18% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 15 May 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

Nationwide has cut 36 tracked mortgage rate rows, led by First Time Buyers 90% LTV 5-year fixed moving from 5.25% to 4.89% in the RateWatch current mortgage rates UK dataset.

NatWest has cut 30 tracked mortgage rate rows, led by New Purchase 80% LTV 2-year fixed moving from 4.90% to 4.69% in the RateWatch current mortgage rates UK dataset.

Santander has changed 18 tracked mortgage rate rows, led by New Purchase 95% LTV tracker moving from 5.79% to 5.29% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 8 May 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

HSBC has changed 154 tracked mortgage rate rows, led by Remortgage BTL 60% LTV 5-year fixed moving from 5.54% to 4.39% in the RateWatch current mortgage rates UK dataset.

Lloyds has cut 35 tracked mortgage rate rows, led by Remortgage 60% LTV 2-year fixed moving from 5.03% to 4.78% in the RateWatch current mortgage rates UK dataset.

Halifax has cut 35 tracked mortgage rate rows, led by Remortgage 60% LTV 2-year fixed moving from 5.03% to 4.78% in the RateWatch current mortgage rates UK dataset.

RateWatch's weekly mortgage rate tracker wrap for Friday 1 May 2026, covering remortgage, new purchase and first-time buyer rate changes across current mortgage rates UK data.

Lloyds has changed 7 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.35% to 5.19% in the RateWatch current mortgage rates UK dataset.

Halifax has changed 7 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.35% to 5.19% in the RateWatch current mortgage rates UK dataset.

Lloyds has changed 6 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.35% to 5.19%.

Halifax has changed 6 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.35% to 5.19%.

Santander has cut 10 tracked mortgage rate rows, led by Remortgage 60% LTV 2-year fixed moving from 4.96% to 4.83%.

Nationwide has cut 34 tracked mortgage rate rows, led by First Time Buyers 90% LTV 5-year fixed moving from 5.50% to 5.25%.

NatWest has cut 18 tracked mortgage rate rows, led by Remortgage 60% LTV 5-year fixed moving from 4.82% to 4.69%.

HSBC has changed 161 tracked mortgage rate rows, led by First Time Buyer - Residential 80% LTV 2-year fixed moving from 3.91% to 4.94%.

Barclays has cut 1 tracked mortgage rate row, led by New Purchase 75% LTV tracker moving from 4.25% to 3.96%.

HSBC leads today's significant rate increases with rises of up to 60 basis points across residential and BTL products. Nationwide and NatWest follow with substantial increases, marking a clear upward trend in mortgage pricing.

Halifax's tracker mortgage at 3.96% offers immediate savings of £1,484 over two years compared to Barclays' 2-year fixed at 4.6%. However, the tracker advantage disappears if base rates rise by just 0.64 percentage points, making this a crucial decision for risk tolerance and rate expectations.

HSBC raised rates by up to 60bp today whilst Nationwide added 30bp across their range and Barclays delivered increases exceeding 100bp in some cases. The coordinated moves from three major lenders signal a clear upward shift in mortgage pricing.

Halifax's 3.96% tracker undercuts NatWest's 4.52% two-year fix by 0.56%, but this advantage disappears if base rate rises just 0.56%. We analyse which product suits different borrower types in March 2026's competitive market.

March 2026's mortgage market showcases a fascinating split between tracker and fixed rate deals. Halifax tracker mortgages start at just 3.96% for purchase customers, while their 5-year fixed remortgage deals begin at 4.35% for maximum equity borrowers.

Four major lenders delivered substantial mortgage rate increases this Sunday, with HSBC implementing comprehensive changes across their range and Barclays delivering jumps of up to 128 basis points. The coordinated nature of these moves signals a significant shift in the mortgage market.

Four major lenders have implemented significant rate changes this weekend. HSBC cut rates across 71 products, while Nationwide, Barclays, and NatWest delivered substantial adjustments across their ranges.

Halifax tracker rates from 3.96% and Barclays fixes from 4.49% lead this week's mortgage market. With the base rate at 3.75%, competitive deals span all deposit levels, particularly favouring remortgage customers and those with substantial equity.

Halifax returns to sub-4% territory with 3.96% purchase trackers, while NatWest leads fixed rates from 4.52%. This week's rates show strong competition across all LTV levels, with some lenders offering better value on longer-term fixes.

HSBC implemented sweeping mortgage rate increases of 20-60bp today, pushing their products well above market rates. While Halifax provided some relief with selective cuts, the overall market trend remains firmly upward with most lenders raising rates significantly.