Mortgage Rates

Lloyds mortgage rate tracker update: updates across first-time buyer, new purchase and remortgage

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.

Published 30 April 2026 - Reviewed 30 April 2026

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Expert reviewed by Samuel Cise Founder, RateWatch.uk · Certificate in Insurance · In the market since 2007 Samuel is the founder of RateWatch.uk and has worked in the UK mortgage and insurance market since 2007. He built RateWatch after years of watching brokers chase the same rate sheets every morning — the site puts every high-street lender's rates in one place, updated daily.

Live Lloyds mortgage rate update

Lloyds has changed 7 tracked mortgage rate rows across first-time buyer, new purchase and remortgage. The latest lender rate-card date for this update is 2026-04-30.

This live RateWatch update clusters the lender's movements into one article so the blog does not publish a separate post for every product, LTV or fee tier.

RateWatch's mortgage rate tracker is built for people checking current mortgage rates UK-wide after lender updates. If you are asking what is the mortgage rate today, the useful answer is the specific lender, borrower type, LTV, term and fee shown below rather than a single market-wide number.

Key movements

4 cuts and 14 increases were detected in this lender update.

Remortgage, Remortgage, 60% LTV: 5-year fixed: 4.35% to 5.19% (+84bps)
Remortgage, Remortgage, 80% LTV: 5-year fixed: 4.58% to 5.32% (+74bps)
Remortgage, Remortgage, 75% LTV: 5-year fixed: 4.51% to 5.24% (+73bps)
Remortgage, Remortgage, 85% LTV: 5-year fixed: 4.65% to 5.32% (+67bps)
Remortgage, Remortgage, 60% LTV: 2-year fixed: 4.51% to 5.11% (+60bps)
Remortgage, Remortgage, 90% LTV: 5-year fixed: 5.03% to 5.63% (+60bps)
Remortgage, Remortgage, 60% LTV: 10-year fixed: 4.73% to 5.32% (+59bps)
Remortgage, Remortgage, 75% LTV: 10-year fixed: 4.93% to 5.51% (+58bps)
Remortgage, Remortgage, 80% LTV: 2-year fixed: 4.75% to 5.27% (+52bps)
Remortgage, Remortgage, 85% LTV: 2-year fixed: 4.78% to 5.29% (+51bps)

Changes by borrower type

Remortgage

Product	LTV	Fee tier	Arrangement fee	Movement
Remortgage	60%	low_fee	£999 fee	2-year fixed: 4.51% to 5.11% (+60bps) 5-year fixed: 4.35% to 5.19% (+84bps) 10-year fixed: 4.73% to 5.32% (+59bps) tracker: 4.24% to 3.96% (-28bps)
Remortgage	75%	low_fee	£999 fee	2-year fixed: 4.68% to 5.16% (+48bps) 5-year fixed: 4.51% to 5.24% (+73bps) 10-year fixed: 4.93% to 5.51% (+58bps) tracker: 4.44% to 4.08% (-36bps)
Remortgage	80%	low_fee	£999 fee	2-year fixed: 4.75% to 5.27% (+52bps) 5-year fixed: 4.58% to 5.32% (+74bps) tracker: 4.50% to 4.13% (-37bps)
Remortgage	85%	low_fee	£999 fee	2-year fixed: 4.78% to 5.29% (+51bps) 5-year fixed: 4.65% to 5.32% (+67bps) tracker: 4.54% to 4.26% (-28bps)
Remortgage	90%	low_fee	£999 fee	2-year fixed: 5.18% to 5.60% (+42bps) 5-year fixed: 5.03% to 5.63% (+60bps)

New purchase

Product	LTV	Fee tier	Arrangement fee	Movement
New Purchase	60%	low_fee	£999 fee	10-year fixed: 5.32% to 5.33% (+1bps)

First-time buyer

Product	LTV	Fee tier	Arrangement fee	Movement
First Time Buyer	60%	low_fee	£999 fee	10-year fixed: 5.32% to 5.33% (+1bps)

How the new rates compare

The comparisons below use currently tracked lender rows with the same borrower type, LTV and changed term where available.

Remortgage: 60% LTV 5-year fixed

NatWest: 4.69% 5-year fixed, £995 fee (Remortgage, 60% LTV, updated 2026-04-30)
Nationwide: 4.73% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-04-24)
HSBC: 4.78% 5-year fixed, £999 fee (Remortgage - Residential, 60% LTV, updated 2026-04-30)
HSBC: 4.78% 5-year fixed, £999 fee (RemortgageRange (Not available to - Energy Efficient, 60% LTV, updated 2026-04-30)
Santander: 4.80% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-04-30)
Barclays: 4.81% 5-year fixed, £899 fee (Remortgage, 60% LTV, updated 2026-03-25)
HSBC: 5.18% 5-year fixed, £999 fee (International Remortgage - Residential, 60% LTV, updated 2026-04-30)

Remortgage: 80% LTV 5-year fixed

HSBC: 4.44% 5-year fixed, £999 fee (Remortgage BTL Range (A, B and C Rated Properties Only), 80% LTV, updated 2026-04-30)
HSBC: 4.69% 5-year fixed, £999 fee (Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient, 80% LTV, updated 2026-04-30)
Santander: 4.72% 5-year fixed, £999 fee (Remortgage, 80% LTV, updated 2026-03-20)
HSBC: 4.78% 5-year fixed, £999 fee (Remortgage - Residential, 80% LTV, updated 2026-04-30)
HSBC: 4.78% 5-year fixed, £999 fee (RemortgageRange (Not available to - Energy Efficient, 80% LTV, updated 2026-04-30)
Nationwide: 4.81% 5-year fixed, £999 fee (Remortgage, 80% LTV, updated 2026-04-24)
NatWest: 5.14% 5-year fixed, £995 fee (Remortgage, 80% LTV, updated 2026-04-30)

Remortgage: 75% LTV 5-year fixed

HSBC: 4.46% 5-year fixed, £999 fee (Remortgage BTL, 75% LTV, updated 2026-04-30)
HSBC: 4.77% 5-year fixed, £999 fee (Remortgage BTL - Energy Efficient, 75% LTV, updated 2026-04-30)
Nationwide: 4.78% 5-year fixed, £999 fee (Remortgage, 75% LTV, updated 2026-04-24)
Barclays: 4.84% 5-year fixed, £899 fee (Remortgage, 75% LTV, updated 2026-03-25)
Santander: 4.89% 5-year fixed, £999 fee (Remortgage, 75% LTV, updated 2026-04-30)
NatWest: 4.97% 5-year fixed, £995 fee (Remortgage, 75% LTV, updated 2026-04-30)
HSBC: 5.04% 5-year fixed, £999 fee (Remortgage - Residential, 75% LTV, updated 2026-04-30)

How to check mortgage rates daily

Start with the lender update date, then compare like-for-like rows: remortgage with remortgage, new purchase with new purchase, first-time buyer with first-time buyer, and the same LTV where possible. A good mortgage interest rate tracker should make those filters visible so a rate cut is not mistaken for the cheapest product in a different borrower category.

What to check next

Borrowers and brokers should compare the headline rate against fees, LTV band, product type and eligibility before deciding whether a deal is genuinely cheaper. A lower rate with a higher fee can cost more over the initial deal period, especially on smaller loan sizes.

This is a factual lender-rate movement summary, not mortgage advice.

Frequently Asked Questions

What changed in this Lloyds mortgage rate update?

Lloyds changed 7 tracked mortgage rate rows across first-time buyer, new purchase and remortgage. The exact old and new rates are shown in the update above.

Is this mortgage advice?

No. This is a factual rate-tracking update. Borrowers should check eligibility, fees and affordability, or speak to a regulated adviser.

Why compare against similar rates?

A rate movement only matters in context. Comparing the new rate with similar LTV, category and term data shows whether the lender is competitive after the change.

How can I check mortgage rates daily?

Use a mortgage rates tracker that shows lender, borrower type, LTV, term, fee and update date together. That makes daily checks more useful than looking at a single headline rate.

Why is there one post for the lender instead of one per rate?

RateWatch clusters all tracked changes from the same lender update into one article so readers get the full lender movement without duplicate short posts.