UK Mortgage Rates by Loan-to-Value Band, 2026
Average advertised mortgage rates across LTV bands and fix periods, from the Bank of England's monthly quoted household interest rates.
Research
Original data research from the PlainMortgage. Every page draws current numbers directly from the source dataset; no numbers are hardcoded.
What can you learn from PlainMortgage research?
What this research covers
PlainMortgage research ranks Bank of England quoted mortgage rates and HM Land Registry house-price series from a live extract (540 rate rows · 259 Bank Rate decisions · 312 regional HPI rows · 16 metros).
- 540
- BoE quoted rate rows
- 259
- Bank Rate decisions
- 312
- regional HPI rows
- 3
- published studies
Studies below answer one rate-history or price-ranking question each from the live BoE/HPI extract; they are descriptive registry summaries, not mortgage advice.
Bank of England Base Rate History and Mortgage Pricing Path, 1975 to 2026
Every Bank of England base rate decision from 1975 to the current MPC vote, with the implied transmission to UK mortgage pricing.
UK House Prices by Region, 2026
HM Land Registry House Price Index regional averages and year-on-year change across 11 UK regions (Northern Ireland not in this series).
According to the Bank of England and HM Land Registry, whose House Price Index is compiled from more than 1,000,000 registered property transactions a year, every research page here is built from the June 2026 Bank of England and April 2026 House Price Index releases under the Open Government Licence, while the Financial Conduct Authority regulates the lenders whose rates we analyse. Our methodology records each source and its refresh schedule so any figure can be traced to its row.
Download the UK metro price-to-income snapshot cited on this page: uk-metro-price-to-income.csv (CC BY 4.0 for this derived file; Bank of England and HM Land Registry source tables remain OGL).