New Purchase mortgage rates
Use RateWatch as a mortgage rate tracker for current new purchase mortgage rates in the UK by lender, LTV, term and fee.
Which lenders look competitive for new purchase borrowers right now?
This page compares new purchase mortgage rates. It is built for buyers comparing mortgage options for a property purchase or home move. It is designed for people searching current mortgage rates UK and checking how lender pricing has moved. The latest lender update included on this page is 13 June 2026, with 7 lenders and 48 current table rows in scope.
- The lowest rate currently captured for this page is 4.37% from Halifax for 2 Year Fixed at 60% LTV.
- The best rates by term in this dataset are spread by about 44 basis points, which is why term choice matters as much as lender choice.
- The freshest lender updates in this view include NatWest, HSBC, Nationwide and Halifax.
- Tracker rates are normalised against the current Bank of England base rate used by RateWatch: 3.75%.
- New purchase searches are about affordability before an offer, exchange or completion. The useful comparison is not just the lowest headline rate, but how the rate, fee and LTV band affect monthly cost.
Mortgage rate tracker for current UK rates
RateWatch is built for borrowers and brokers who want a mortgage rates tracker that goes beyond a static table. The page brings together lender, LTV, product term, fee tier and update date so you can compare current mortgage rates UK-wide with useful context.
If you are asking how to check mortgage rates daily, start with the update date, then compare similar products rather than mixing borrower types. The latest update in this view is 13 June 2026, so it can help answer what is the mortgage rate today within this new purchase dataset. When comparing the best mortgage rate tracker options, look for transparent lender data, clear dates and a way to separate remortgage, new purchase and first-time buyer rates. Unlike a broad interest rate tracker, this view is focused on mortgage products and lender eligibility context.
Best captured rates by product type
Halifax at 60% LTV, GBP 999. Average captured rate: 4.74% across 43 rows.
Halifax at 65% LTV, GBP 999. Average captured rate: 4.73% across 42 rows.
Halifax at 60% LTV, GBP 999. Average captured rate: 4.36% across 35 rows.
How to use this new purchase comparison
For home movers and new purchases, the key question is whether the rate is available for your purchase timeline, deposit size and property type.
Use the lender snapshot to narrow the market, then compare the full product cost over the initial deal period rather than choosing on the headline percentage alone.
In this dataset, the leading captured rate is 4.37% from Halifax, but the right deal depends on whether that product matches your LTV, fee preference and eligibility.
Lender snapshot
This view summarises the strongest captured rate per lender within the current page filters. It is designed to help you spot which lenders deserve a closer look before you use the full table.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 8 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 8 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 10 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 10 June 2026.
2 Year Fixed at 60% LTV, GBP 999. Latest row: 5 June 2026.
2 Year Fixed at 60% LTV, GBP 995. Latest row: 13 June 2026.
2 Year Fixed at 80% LTV, GBP 899. Latest row: 29 May 2026.
How LTV changes the rate
Loan-to-value is one of the biggest pricing levers in UK mortgage rates. Lower LTV bands often price more cheaply because the lender is taking less risk, but the best lender can vary by band.
- 60% LTV: 4.37% from Halifax (2 Year Fixed, GBP 999).
- 65% LTV: 4.55% from Halifax (2 Year Fixed, GBP 999).
- 70% LTV: 4.54% from HSBC (2 Year Fixed, GBP 999).
- 75% LTV: 4.52% from Halifax (2 Year Fixed, GBP 999).
- 80% LTV: 4.55% from Santander (2 Year Fixed, GBP 999).
- 85% LTV: 4.64% from Halifax (2 Year Fixed, GBP 999).
- 90% LTV: 4.65% from HSBC (2 Year Fixed, GBP 999).
- 95% LTV: 4.72% from HSBC (2 Year Fixed, GBP 999).
Seven focused lender entries
This is deliberately not a long rate dump. RateWatch selects up to seven highly relevant rows from the full dataset, ranked by the best matching rate and diversified by lender where possible. The wider row count is still used for the stats and analysis above.
| Lender | Product | LTV | Focused rate | Fee | Updated | Why included |
|---|---|---|---|---|---|---|
| Halifax | New Purchase | 60% | Tracker3.96% | GBP 999 | 2026-06-08 | Best captured tracker row for Halifax in this view. |
| Lloyds | New Purchase | 60% | Tracker3.96% | GBP 999 | 2026-06-08 | Best captured tracker row for Lloyds in this view. |
| HSBC | Home Mover - Residential | 60% | Tracker4.05% | GBP 999 | 2026-06-10 | Best captured tracker row for HSBC in this view. |
| Barclays | New Purchase | 60% | Tracker4.06% | GBP 899 | 2026-05-29 | Best captured tracker row for Barclays in this view. |
| NatWest | New Purchase | 60% | Tracker4.10% | GBP 995 | 2026-06-13 | Best captured tracker row for NatWest in this view. |
| Santander | New Purchase | 60% | Tracker4.22% | GBP 999 | 2026-06-05 | Best captured tracker row for Santander in this view. |
| Nationwide | Home Mover | 60% | 2 Year Fixed4.40% | GBP 999 | 2026-06-10 | Best captured 2 year fixed row for Nationwide in this view. |
Showing 7 focused entries from 48 current rows in this page's dataset.
New Purchase mortgage rate questions
What are new purchase mortgage rates?
New Purchase mortgage rates are lender prices for borrowers in this category. The available rate can change by LTV, product term, fee tier, customer type and lender eligibility rules.
Who has the best new purchase mortgage rate right now?
The lowest captured rate in this page's current dataset is 4.37% from Halifax for 2 Year Fixed at 60% LTV. Check the fee and Updated column before treating it as the cheapest deal.
How often does RateWatch update these pages?
RateWatch refreshes lender data through scheduled scraper runs and updates these programmatic pages from the latest stored lender rows. Some lenders publish rate tables more frequently than others.
How can I check mortgage rates daily?
Use a mortgage rate tracker that shows the lender, product type, LTV, fee and update date together. RateWatch refreshes its current mortgage rates UK pages from stored lender rows so each page shows when the latest table data was captured.
What is the mortgage rate today?
The lowest captured rate in this page's current dataset is 4.37% from Halifax for 2 Year Fixed at 60% LTV. Check the fee and Updated column before treating it as the cheapest deal.
Why might the lowest headline rate not be the cheapest mortgage?
A mortgage with a lower rate can still cost more if it has a higher product fee, weaker incentives, a less suitable term or eligibility criteria that do not match the borrower.
How RateWatch builds this page
This page is generated from RateWatch's lender-rate database, using current rows marked as latest for the selected product category, LTV and term filters. It is designed as a mortgage interest rates tracker, not a paid advert and not mortgage advice.
The newest lender row in this view is dated 13 June 2026. The oldest row still included is dated 22 May 2026 because lenders do not all publish at the same frequency. The active customer-type filter is: Low fee.
Before acting, confirm the product directly with the lender or a qualified adviser. Rates can change quickly and borrower eligibility, fees, incentives and affordability checks can materially change the best option.