UK Mortgage Rates by LTV Band, 2026
Average advertised UK mortgage rates by LTV band and fix period, from the Bank of England's monthly quoted household rates.
Research period:
Research question
How do average UK mortgage rates differ across LTV bands and fix periods?
Methodology
This ranking is generated fresh from the current Bank of England dataset every time the page loads, not a fixed figure typed in once and forgotten. When the Bank of England publishes an update, our next data refresh picks it up automatically.
LTV bands with no data reported are left out rather than shown as a false zero, since the Bank of England occasionally withholds a figure for data-quality reasons.
Every number on this page traces back to a specific Bank of England record, so you can verify it yourself against the original source. See the methodology page for the full data pipeline and how often we refresh.
UK Mortgage Rates by Loan-to-Value Band, 2026
Live data, current as of the most recent source-data refresh
Average mortgage rates by LTV band and fix term, 2026
Live data, average quoted rate per LTV+fix combination
The ranked top 5
Every row below reflects the current Bank of England dataset and updates automatically the next time we refresh it.
| # | LTV band | Fix (years) | Average rate % |
|---|---|---|---|
| 1 | 75 | 2 | 4.8% |
| 2 | 75 | 5 | 4.7% |
| 3 | 90 | 2 | 4.8% |
| 4 | 95 | 2 | 5.2% |
| 5 | 95 | 5 | 5.2% |
Source: Bank of England, Quoted household interest rates. Values are current as of our most recent Bank of England data refresh.
Findings
Top entity in the ranking
The top-ranked record in this dataset is 75, with a value of 4.8% on the Average rate % column. The full top-5 set is rendered in the table above. Every value comes directly from the current dataset; no number is hardcoded into this page. When the Bank of England publishes a revision, the ranking and the prose around it update automatically.
Distribution shape
The gap between the top-ranked record (4.8%) and the 5th-ranked record (5.2%) characterizes how concentrated the top of the distribution is. Where the top value is many multiples of the median value of the visible set, the population is highly concentrated, a small number of entities accumulate the bulk of the measured quantity. Where the top and bottom of the visible set are close together, the distribution is relatively flat across the top end. The full distribution beyond this top-5 cut is summarized in the aggregate context section below and explored in the linked entity profiles.
Aggregate context
Across the full population behind this ranking, here are the summary statistics: how many records exist in total, the sum of the ranking metric across all qualifying records, and the mean per-record value. The methodology page documents the exact filter applied (records with null or zero values on the ranking metric are excluded). This aggregate row is computed from the same dataset that powers the ranking above.
Source provenance
The records in this table originate from the Bank of England, specifically its monthly quoted household interest rates. PlainMortgage ingests each new release from the Bank and republishes the figures here automatically, so this page always reflects the current dataset rather than a fixed snapshot. The methodology page documents the source URL, the vintage date, and the transformation steps applied during ETL.
Why this ranking matters
Rankings like this one let a reader scan a population quickly and identify outliers, concentrations, and patterns that warrant deeper investigation. The detail pages linked from each entity in the table above give the full per-entity context: time-series history where available, related metrics from adjacent tables, and links onward to the underlying source records. The methodology page explains how an entity earns inclusion in the dataset and how the ranking column is computed at the source.
What this analysis cannot tell us
These averages are indicators of market pricing, not personal quotes. They are the Bank of England's monthly average advertised rates across UK lenders, not best-buy headlines. A binding rate depends on credit profile, employment, property type, and lender appetite. The sample size column shows the number of products averaged per LTV-band × fix-period cell; cells with fewer than 10 products are statistically thin.
Sources
- Bank of England, Quoted household interest rates - https://www.bankofengland.co.uk/statistics/visual-summaries/quoted-household-interest-rates
- Bank of England Bank Rate - https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate
"Source-of-truth UK mortgage rate data lives in the Bank of England's quoted household interest rates; UK house price data lives in HM Land Registry UKHPI. Both publish monthly under Open Government Licence v3."