Compare UK mortgage rates
Compare current UK mortgage rates from major lenders by loan-to-value, product type, fee structure and fixed or tracker term.
- Compare new purchase, remortgage and customer-switching products.
- Filter by LTV band, term, rate type and lender.
- Use daily rate data from HSBC, Nationwide, Barclays, NatWest, Halifax, Santander and Lloyds.
Current rate snapshot from RateWatch data
This snapshot highlights the lowest latest rates in the RateWatch database when the page is generated. Use it as a starting point, then compare the exact product, LTV band, fee and eligibility that apply to you.
| Rate type | Lender | Product | LTV | Rate | Fee |
|---|---|---|---|---|---|
| 2 Year Fixed | Barclays | Existing Customer Switching | 60% | 3.52% | £999 |
| 5 Year Fixed | Barclays | Existing Customer Switching | 60% | 3.59% | £999 |
| 10 Year Fixed | HSBC | Existing Customer Borrowing More | 60% | 4.39% | £999 |
| 2 Year Tracker | Barclays | New Purchase | 60% | 3.38% | £999 |
| 5 Year Tracker | Barclays | New Purchase | 75% | 3.60% | £999 |
Latest lender data seen in this snapshot: 2026-06-10. Mortgage products can change quickly and rates shown are not personal advice.
What this mortgage comparison helps you decide
Mortgage comparison pages are most useful when they show the detail behind the headline rate. A borrower looking at a 2 year fixed deal at 75% LTV may see a different best lender from someone comparing a 5 year fixed remortgage at 60% LTV. RateWatch is built around those differences, so the page separates lender, product, term, LTV and fee instead of treating every mortgage search as one generic table.
Use the page to check whether the lowest advertised rate is actually relevant to your circumstances. A product can be cheaper on rate but more expensive after an arrangement fee, or it may only apply to new purchase, remortgage or existing-customer-switching cases. The comparison view is designed to make those differences visible before you speak to a broker or lender.
How to compare rates without being misled
Start with the LTV band that matches your deposit or equity position, then compare the same mortgage product type across lenders. After that, check the term: 2 year fixed, 5 year fixed, 10 year fixed and tracker pricing can move differently because lenders respond to swap rates, Bank of England expectations and competitive pressure in different ways.
The lowest rate is not always the cheapest deal. Fees, remaining term, early repayment charges, valuation costs and product eligibility all affect the outcome. For many borrowers the right comparison is the total cost over the deal period, not only the initial monthly payment.
Why daily lender data matters
UK mortgage lenders can reprice with little notice. A deal that looked competitive last week can become average after one lender cuts rates or another withdraws a product. RateWatch tracks lender tables daily so borrowers can spot when the market is moving and decide whether to act, wait or ask for advice.
The comparison page is especially useful for remortgage borrowers approaching the end of a fixed period, first-time buyers checking affordability, home movers preparing an offer, and brokers who need a quick view of lender positioning across common LTV bands.
Mortgage rate questions
Which UK mortgage lenders does RateWatch compare?
RateWatch tracks mortgage rates from HSBC, Nationwide, Barclays, NatWest, Halifax, Santander and Lloyds, with comparison views by lender, product, term and LTV band.
Can I compare remortgage and new purchase rates separately?
Yes. The comparison page separates product types so you can compare new purchase, remortgage and existing-customer-switching rates without mixing different borrower scenarios.
Why can the best mortgage rate change from one day to the next?
Lenders change pricing when funding costs, swap rates, Bank of England expectations, demand and competitor pricing change. That is why a daily mortgage rate tracker is useful when you are close to applying or renewing.