Top UK Mortgage Rates by LTV Band — 2026
According to the Bank of England's monthly quoted household interest rates, PlainMortgage indexes more than 6 UK mortgage rate combinations across LTV bands and fix terms. The table below ranks by average quoted rate ascending — lowest-rate combinations first. Every rate is a monthly market average across UK lenders, not a best-buy headline. Data refreshed monthly.
| LTV band | Fix years | Product type | Avg quoted rate (%) | Sample size |
|---|---|---|---|---|
| 75 | 5 | fix | 4.80 | — |
| 90 | 2 | fix | 4.88 | — |
| 75 | 2 | fix | 4.92 | — |
| 95 | 5 | fix | 5.24 | — |
| 95 | 2 | fix | 5.32 | — |
| 0 | 0 | svr | 6.60 | — |
How LTV affects your mortgage rate
Loan-to-value (LTV) is the ratio of mortgage borrowing to property purchase price. UK lenders price LTV in bands — 60%, 75%, 85%, 90%, 95% — and the rate steps up at each threshold because higher-LTV loans carry higher default risk. The spread between a 60% LTV fixed rate and a 95% LTV fixed rate typically runs 0.5-1.5 percentage points, depending on Bank of England Bank Rate level and lender risk appetite.
FCA macroprudential flow rules cap most UK mortgage lending at 4.5× household income. The FCA withdrew its prescribed affordability stress test in 2022, so lenders now set their own — typically around Bank Rate + 1 percentage point. These rules apply at origination — once you're on your fix, the lender cannot retroactively raise your rate above the contractual fixed-rate level. See our UK mortgage rates guide for full background.
Source attribution
Data sourced from the Bank of England's quoted household interest rates and Bank Rate publications, published under the Open Government Licence v3.0. Refreshed monthly. See our methodology page for full provenance.