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Tools & guides

Every number you need, explained by AI.

Live rates, market direction, conversational calculators, lender criteria and plain-English guides — in one research hub.

AI summary

This hub brings together the four research tools UK borrowers use before applying: a live rate tracker covering best-buy fixed and tracker pricing by LTV, market trend analysis tied to Bank of England decisions, AI-guided calculators for affordability, repayment and stamp duty, and a learning hub of guides and news. Base rate is 4.00% in Q3 2026, with leading 5-year fixes from 3.89% at 60% LTV and 4.79% at 95% LTV. All figures are representative of market-leading products rather than personal quotes.

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Key facts

The numbers, at a glance.

Base rate
4.00%
Best 5-yr fix
3.89%
95% LTV from
4.79%
Data reviewed
Weekly
Explore

Live rate tracker

What the market is charging this week, and where it's heading next.

Current Mortgage Rates

Best-buy fixed and tracker pricing by LTV, updated weekly.

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Market Trends

Base rate path, swap rates and what they mean for your renewal.

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Calculators

Conversational, not form-based — Elena asks, then explains the answer.

AI Calculators

Affordability, repayment and stamp duty in one guided conversation.

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Learning hub

Guides that answer the question, and news that explains the change.

Guides

Step-by-step explainers for buying, remortgaging and specialist income.

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News

Rate decisions, lender criteria changes and policy updates.

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Lenders

Who lends to whom, and on what evidence.

Lender Marketplace

Criteria, income multiples and AI match scores across 90+ lenders.

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FAQ

Questions, answered.

What are UK mortgage rates today?

As of Q3 2026 the Bank of England base rate is 4.00%. Best-buy UK residential rates are approximately 3.89% for a 5-year fix at 60% LTV, 4.09% at 75% LTV, 4.39% at 90% LTV and 4.79% at 95% LTV. Two-year fixes sit roughly 0.15–0.30% above equivalent five-year products.

How do I know whether to fix for two or five years?

Five-year fixes currently price below two-year equivalents and remove re-broking costs in 2028, which suits borrowers who value certainty or are stretched on affordability. Two-year fixes suit anyone expecting to move, expecting income to rise sharply, or expecting base rate to fall further — at the cost of a second set of fees.

Which calculators should I use before applying?

Three, in order: affordability (what a lender will lend on your income and commitments), repayment (what the monthly cost is at a given rate and term), and stamp duty (the cash needed at completion). Elena runs all three conversationally and reconciles the answers into one borrowing figure.

How often are the rates on this site updated?

Rate and market data is reviewed weekly against lender best-buy tables and after every Bank of England Monetary Policy Committee decision. Quoted figures are representative of leading products, not personal quotes — your rate depends on LTV, credit profile and income type.

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