Registry extract · Bank Rate 18 December 2025 · quoted rates June 2026 · HPI April 2026
UK mortgage and house-price statistics
Counts recomputed from this portal's Bank of England and HM Land Registry tables. Three series keep their own vintages. Educational registry facts only, not a personal lending or product recommendation.
Data updated 2026-07-09
- 3.75%
- Bank Rate in force
- 4.65%
- cheapest quoted (5-yr 75% LTV)
- £552,655
- London HPI average
- 11.32×
- Oxford price / income
8 live findings · April 2026 HPI · June 2026 quoted rates
Bank Rate is 3.75% since 18 December 2025; the cheapest advertised average in the June 2026 snapshot is the 5-year 75% LTV fix at 4.65%; London leads the April 2026 HPI regions at £552,655; Oxford has the highest metro price-to-income ratio at 11.32×.
- 3.75%
- Bank Rate
- 4.65%
- cheapest quoted average
- 6.60%
- average SVR
- 11.32×
- Oxford price / income
Sources: Bank of England Bank Rate and quoted household interest rates; HM Land Registry UK House Price Index. Open Government Licence.
This page reports the same live tables as the rates desk, rankings, and metro pages. Download the metro price-to-income CSV (CC BY 4.0) or read the methodology.
Key findings
8 registry counts from this extract, recomputed on each request. Vintages stay labeled.
- 1. 3.75% is the Bank of England Bank Rate in force since 18 December 2025 (259 observations in this extract, from 1975). This is the policy rate, not a mortgage product rate.
- 2. 4.65% is the lowest average advertised rate in the June 2026 Bank of England quoted-household snapshot (6 products): the 5-year fix at 75% LTV. These are advertised averages, not a personal offer.
- 3. 6.60% is the average standard variable rate in the June 2026 snapshot, 2.85 percentage points above the 3.75% Bank Rate in force since 18 December 2025. Two vintages, one comparison: quoted SVR vs the policy rate then in force.
- 4. 0.16pp is how far the 5-year 75% LTV average (4.65%) sits below the 2-year 75% LTV average (4.81%) in the June 2026 snapshot. Direction is from this extract, not a rule that longer fixes are always cheaper.
- 5. £552,655 is the April 2026 HM Land Registry average for London, the highest of 11 nation-or-region series after dropping the UK and England rollups (UK £270,080; England £291,445). North East is the lowest at £163,190, so London is 3.4 times North East.
- 6. +9.9% year-on-year is the largest HPI move in the April 2026 extract (North East), among all 13 published geographies including the UK and England rollups. London is the other extreme at -2.1%.
- 7. 11.32× is Oxford's metro average price divided by its recorded median household income, the highest ratio among 16 metros in this extract. Glasgow is the lowest at 5.66×. Income is a recorded median, not a lender affordability test.
- 8. 16 metros carry a price-and-income pair in this extract, alongside 6 quoted-rate products in the June 2026 snapshot and 13 HPI geographies for April 2026. Three series, three vintages; none is a personal lending decision.
House prices by nation or region
April 2026 HM Land Registry averages, UK and England rollups omitted
- London
London
552,655 £
- South East
South East
376,819 £
- East of England
East of England
336,300 £
- South West
South West
302,618 £
- West Midlands
West Midlands
250,625 £
- East Midlands
East Midlands
241,620 £
- North West 216,138
North West
216,138 £
- Wales 212,489
Wales
212,489 £
What this shows London leads this 11-series cut. The UK and England rollups are omitted here so a country total is not ranked as if it were a region.
Metro price-to-income ratios
Metro average price divided by recorded median household income (16 metros)
- Oxford
Oxford (£475,481 / £42,000)
11.32 × income
- Cambridge
Cambridge (£462,145 / £44,000)
10.5 × income
- London
London (£552,655 / £53,000)
10.43 × income
- Brighton
Brighton (£406,137 / £40,000)
10.15 × income
- Bristol
Bristol (£353,662 / £39,000)
9.07 × income
- Cardiff
Cardiff (£271,166 / £34,000)
7.98 × income
- Edinburgh
Edinburgh (£295,204 / £40,000)
7.38 × income
- Birmingham
Birmingham (£235,682 / £34,000)
6.93 × income
What this shows Oxford has the highest ratio in this extract. The figure is an area average over a recorded income median, not a household's mortgage capacity.
How to read these numbers
Bank Rate is the policy rate. Quoted mortgage rates are Bank of England advertised averages for the latest snapshot month, not a quote a lender will honour. HPI averages are HM Land Registry geography series; metros are a separate table and can share a price with their parent region. Price-to-income uses the metro's recorded median household income. Download uk-metro-price-to-income.csv for reuse with attribution (CC BY 4.0). Underlying BoE and Land Registry series remain under the Open Government Licence.
Compiled counts are licensed CC BY 4.0 (reuse with attribution). Bank of England and HM Land Registry source series remain under the Open Government Licence v3.0.
Every figure on PlainMortgage is rendered directly from Bank of England and HM Land Registry data, no number is typed in by an editor. Key Findings are aggregates over boe_base_rate, the latest mortgage_rates snapshot, the latest house_prices period, and the metros price-to-income join. Vintages stay labeled; this is not a personal lending decision. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of June 2026 quoted rates; April 2026 HPI; Bank Rate 18 December 2025.