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    <title>PlainMortgage — UK Mortgage Rates, Guides &amp; Research</title>
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    <description>Plain-language analyses of official Bank of England and HM Land Registry data: editorial guides and original research from PlainMortgage, an independent UK mortgage data publisher.</description>
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    <lastBuildDate>Fri, 19 Jun 2026 12:46:07 GMT</lastBuildDate>
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      <title><![CDATA[UK Base Rate & Mortgage Pricing, 2026]]></title>
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      <description><![CDATA[How the Bank of England Bank Rate has moved and how it transmits into UK mortgage pricing, server-rendered from the live rate database.]]></description>
      <category>Research</category>
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      <title><![CDATA[UK Mortgage Rates by LTV Band, 2026]]></title>
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      <description><![CDATA[The Bank of England’s quoted average mortgage rates across loan-to-value bands and fix periods, with the spread over base rate.]]></description>
      <category>Research</category>
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      <title><![CDATA[UK House Prices by Region, 2026]]></title>
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      <description><![CDATA[Average house prices and year-on-year change across UK regions, from the HM Land Registry House Price Index.]]></description>
      <category>Research</category>
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      <title><![CDATA[How UK Mortgage Rates Work]]></title>
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      <description><![CDATA[How the base rate, the swap curve, and loan-to-value risk pricing combine to set the rate you actually pay.]]></description>
      <category>Guides</category>
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      <title><![CDATA[The Bank of England Base Rate Explained]]></title>
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      <description><![CDATA[What the Bank Rate is, how the MPC sets it, and how it flows through to your mortgage.]]></description>
      <category>Guides</category>
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      <title><![CDATA[Fixed vs Variable Mortgages]]></title>
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      <description><![CDATA[When a fix beats a tracker or SVR, and how to choose the right term for your plans.]]></description>
      <category>Guides</category>
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      <title><![CDATA[How Lenders Calculate Mortgage Affordability]]></title>
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      <description><![CDATA[The income multiple and stress test UK lenders use to decide how much you can borrow.]]></description>
      <category>Guides</category>
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      <title><![CDATA[First-Time Buyer Schemes]]></title>
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      <description><![CDATA[The UK schemes and reliefs available to first-time buyers, and who qualifies.]]></description>
      <category>Guides</category>
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      <title><![CDATA[UK Stamp Duty Explained]]></title>
      <link>https://plainmortgage.co.uk/guides/stamp-duty-explained/</link>
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      <description><![CDATA[How Stamp Duty Land Tax is charged in England and Northern Ireland, with the current bands.]]></description>
      <category>Guides</category>
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      <title><![CDATA[Buy-to-Let Mortgage Rules]]></title>
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      <description><![CDATA[How buy-to-let lending differs, including the rental-coverage test and tax treatment.]]></description>
      <category>Guides</category>
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      <title><![CDATA[The UK House Price Index Explained]]></title>
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      <description><![CDATA[What the HM Land Registry House Price Index measures, how it is built, and how to read it.]]></description>
      <category>Guides</category>
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