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United Kingdom Published Loan Rates
Affordability often capped around 4.5× income. Repayment and interest-only (or a split) are both common.
GBP Active Currency
Launch Calculator →
Lowest Published APR
4.15%
Best rate benchmark currently on record
Market Average APR
5.19%
Mean across tracked lending products
Available Products
69 Benchmarks
Fixed, variable & personal credit
Statutory System
Repayment or interest-only mortgage
Verified statutory framework
United Kingdom Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-22T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-21T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-20T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-19T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-18T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-17T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-16T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-15T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-14T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-13T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-12T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-11T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-10T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-09T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-08T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-07T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-06T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-05T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-04T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-03T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-02T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-10-01T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-30T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-29T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-28T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-27T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-26T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-25T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-24T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-23T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-22T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-21T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-20T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-19T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-18T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-17T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-16T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
UK 2-Year Fixed (Bank of England IADB)
⚡ Live
Stub for BoE API: IUMBV34
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | fixed | 2026-09-15T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🚗 Auto Loan | 4 Years (48 mo) | 6.99% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 15 Years (180 mo) | 4.15% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 25 Years (300 mo) | 4.38% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 4 Years (48 mo) | 7.90% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
UK 5-Year Fixed Benchmark
|
🏠 Mortgage | 25 Years (300 mo) | 4.38% | fixed | Active Benchmark | Calculate → |
|
UK 2-Year Fixed Benchmark
|
🏠 Mortgage | 20 Years (240 mo) | 4.65% | fixed | Active Benchmark | Calculate → |
|
UK Bank Rate Tracker Benchmark
|
🏠 Mortgage | 25 Years (300 mo) | 5.10% | variable | Active Benchmark | Calculate → |
|
UK Representative APR Average
|
👤 Personal Loan | 4 Years (48 mo) | 7.90% | fixed | Active Benchmark | Calculate → |
|
UK Car Finance PCP/HP Average
|
🚗 Auto Loan | 4 Years (48 mo) | 6.99% | fixed | Active Benchmark | Calculate → |
🏛️
United Kingdom Underwriting Guidelines
Statutory Borrowing Rule
FCA 4.5× income multiple cap and lender stress-rate buffer
Mortgage System
Repayment or interest-only mortgage
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference