Mortgage Rates

Weekly mortgage rate tracker: 194 tracked changes across 5 lenders

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.

Published 1 May 2026 - Reviewed 1 May 2026

Mortgage RatesWeekly WrapMortgage Rate Trackermortgage rate trackercurrent mortgage rates UKWeekly mortgage ratesRemortgageNew purchase

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.

Weekly mortgage rate wrap

This weekly RateWatch wrap covers tracked lender changes across remortgage, new purchase and first-time buyer mortgage rates over the last seven days.

It is written from the same mortgage rate tracker data that powers RateWatch's comparison pages, so readers can move from the editorial summary to current mortgage rates UK-wide without losing the lender, LTV and product context.

The headline movements

Remortgage

HSBC Remortgage - Residential 80% LTV: 2-year fixed moved from 4.03% to 5.04% (+101bps, 2026-04-30)
HSBC Remortgage BTL 60% LTV: 5-year fixed moved from 4.54% to 5.54% (+100bps, 2026-04-30)
Halifax Remortgage 60% LTV: 5-year fixed moved from 4.35% to 5.19% (+84bps, 2026-04-30)
Lloyds Remortgage 60% LTV: 5-year fixed moved from 4.35% to 5.19% (+84bps, 2026-04-30)
HSBC Remortgage BTL - Energy Efficient 60% LTV: 5-year fixed moved from 4.74% to 5.54% (+80bps, 2026-04-30)
HSBC Remortgage BTL 60% LTV: 2-year fixed moved from 5.18% to 5.97% (+79bps, 2026-04-30)

New purchase

HSBC Home Mover - Residential 80% LTV: 2-year fixed moved from 3.91% to 4.84% (+93bps, 2026-04-30)
HSBC Home Mover - Residential 95% LTV: 2-year fixed moved from 3.79% to 4.72% (+93bps, 2026-04-30)
HSBC Home Mover - Residential 95% LTV: 2-year fixed moved from 3.76% to 4.69% (+93bps, 2026-04-30)
HSBC Home Mover - Energy Efficient 95% LTV: 2-year fixed moved from 3.79% to 4.72% (+93bps, 2026-04-30)
HSBC Home Mover - Residential 95% LTV: 2-year fixed moved from 5.65% to 4.95% (-70bps, 2026-04-30)
HSBC Home Mover - Energy Efficient 95% LTV: 2-year fixed moved from 5.65% to 4.95% (-70bps, 2026-04-30)

First-time buyer

HSBC First Time Buyer - Residential 80% LTV: 2-year fixed moved from 3.91% to 4.94% (+103bps, 2026-04-30)
HSBC First Time Buyer - Residential 95% LTV: 2-year fixed moved from 5.87% to 5.02% (-85bps, 2026-04-30)
HSBC First Time Buyer - Energy Efficient 95% LTV: 2-year fixed moved from 5.87% to 5.02% (-85bps, 2026-04-30)
HSBC First Time Buyer - Residential 95% LTV: 2-year fixed moved from 3.91% to 4.74% (+83bps, 2026-04-30)
HSBC First Time Buyer - Residential 95% LTV: 2-year fixed moved from 3.86% to 4.69% (+83bps, 2026-04-30)
HSBC First Time Buyer - Energy Efficient 95% LTV: 2-year fixed moved from 3.91% to 4.74% (+83bps, 2026-04-30)

Current 75% LTV snapshot

Remortgage: Barclays 2-year fixed at 4.68% (£899 fee, 75% LTV).
New purchase: Halifax 2-year fixed at 4.69% (£999 fee, 75% LTV).
First-time buyer: Halifax 2-year fixed at 4.69% (£999 fee, 75% LTV).

How to check mortgage rates daily

For a weekly view, start with the lenders that changed rates, then check whether the new prices are competitive against similar borrower types and LTV bands. For daily monitoring, use the RateWatch mortgage interest rates tracker and compare lender update dates before relying on a rate that may have moved.

What this means

The key thing is not only whether an individual lender has cut or increased a rate, but where the new price sits against similar products. RateWatch compares the latest lender data by product type, LTV and fee tier so brokers and borrowers can see whether a movement is genuinely competitive.

This article is a factual market update, not mortgage advice. Always check product criteria, fees and affordability before relying on a headline rate.

Frequently Asked Questions

What does the weekly mortgage rate wrap cover?

It summarises tracked mortgage rate movements across remortgage, new purchase and first-time buyer products from the last seven days.

How often is the weekly wrap published?

The weekly wrap is scheduled for 2pm every Friday UK time.

Are instant rate-change posts separate from the weekly wrap?

Yes. Instant posts cover a single lender update as soon as it is detected, while the weekly wrap summarises the wider week.

What is the mortgage rate today?

There is no single UK mortgage rate today. The useful answer depends on lender, LTV, borrower type, product term and fee tier, which is why RateWatch tracks current mortgage rates by row.