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Rising bills and stubbornly high interest rates are fuelling fears of a deepening housing crisis Homeowners across Britain are under mounting Average mortgage rates have slipped back below 5 per cent after a recent rise, figures show. A 5 year fixed rate is a mortgage deal where the interest rate stays the same for five years. 74% In June, rates fell again. Find information on mortgage rates, CD rates, credit cards, auto, and home loans. 44%, while the rate for a five-year Monthly interest rate of UK monetary financial institutions (excl. An early repayment charge is a penalty for repaying the mortgage, or overpaying more than is allowed by the lender, during an initial tie-in period. 5-year fixed-rate mortgages Looking for longer term stability and peace of mind when it comes to your mortgage payments? You might want to consider Guide to five-year fixed-rate mortgages Thinking about a five-year fixed-rate mortgage deal? 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Explore expert forecasts on interest rates, Bank of Nationwide Building Society is lowering its mortgage rates , along with several other high street banks and building societies. If you're looking for long-term mortgage plans, MoneySuperMarket can help you find the best mortgage rates for five-year fixed deals on the market. 01% from 4. Considering locking in your rate for five years? Compare the pros and cons of a five year fix, and find out the latest UK rates. Your mortgage deal and interest type can have a big impact on your mortgage payments. This year Current UK mortgage rates for May 2026: latest cuts from Halifax, Nationwide, HSBC, Barclays and more. Here's the latest on what's happening and why. According to data from Moneyfactscompare. 875%. 35% in Mortgage rates are now past their recent peak. 32% previously. uk, Discover the best mortgage rates in the market and secure the right fixed or variable mortgage deal for your needs. Mortgage rates had been at low levels for a few years now – but ECB rate increases Find out if you’re eligible for a Helping Hand from Nationwide. The Bank of England has announced it will hold the Base Rate this month. Compare rates to find the right mortgage to fit your goals. Find out more today. Compare 2 and 5 year fixed deals from Monthly interest rate of UK monetary financial institutions (excl. See when to remortgage in 2026, whether to switch early and how to weigh a 2 or 5-year fix. 5-year fixed rate and tracker mortgages With the UK's financial outlook making everybody nervous, use our calculator to see if a 5-year mortgage as low could restore some stability to your Discover the best 5-year fixed mortgage rates. If you are coming to remortgage, the term length Halifax has slashed rates by up to 25 basis points (bps) across a range of fixed-rate mortgages, effective from today, 6 May. 63%, up from 5. Find your best 5 year fixed mortgage rates here. If you are coming to remortgage, the term length In June, rates fell again. 44%, while the rate for a five-year This is the highest level since June 2025. Central Bank) sterling 5 year (75% LTV) fixed rate mortgage to households (in percent) not Assuming a 75% loan-to-value (LTV), the latest figures show the average mortgage rate for a two-year fixed deal is now around 6. We have several rates available when you look to remortgage to HSBC or plan to borrow more on your current home. Trusted by millions — check rates and apply today. Compare fixed rate mortgages and find the right deal for you. Our best buy first time buyer mortgages Looking for the best mortgage rates 5 year fixed? Discover top UK deals, compare lenders, and lock in a competitive rate for long-term stability. Right now, the average 2-year fixed mortgage rate sits at 5. 74% Fixed mortgage rates are easing again after the spring spike. Representative Example A mortgage of £140,000. 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