UK quoted mortgage rates: 2-year fixed 75% LTV
UK quoted mortgage rates: 2-year fixed 75% LTV stood at 5.13% in Sep 2026, according to Bank of England. It is one of the indicators in the Savings and loan rates table (Value · Monthly), with a complete series running from Jan 1995 to Sep 2026. The complete series with an interactive chart, free to download.
This indicator in the Savings and loan rates table
| Indicator | 09-2026 | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Quoted mortgage rates | |||||||||||
| 2-year fixed mortgage, 75% loan to value | 5.13 | 4.92 | 4.79 | 4.8 | 4.91 | 5.14 | 4.45 | 3.97 | 3.93 | 3.97 | |
| 2-year fixed mortgage, 90% loan to value | 5.7 | 5.52 | 5.48 | 5.54 | 5.63 | 5.8 | 5.23 | 4.82 | 4.8 | 4.83 |
Understanding UK quoted mortgage rates: 2-year fixed 75% LTV
Advertised percentage interest charges offered by financial institutions across the United Kingdom for two-year fixed residential mortgages at a specific loan-to-value tier represent the core of this series. Unlike effective rates derived from actual customer balances, this metric tracks quoted headline products available on the open market for a property deposit fraction of twenty-five percent. The scope covers standard residential mortgage products, excluding specialist or fee-free variants where applicable.
When reading these figures, analysts must remember that quoted rates reflect advertised marketing products rather than the average price paid across all existing borrowers. Monthly movements capture immediate lender responses to swap rate volatility and competitive pressures. Users should avoid comparing these figures directly with effective outstanding mortgage rates, as quoted products apply exclusively to new prospective borrowers.
Frequently asked questions
- What does the seventy-five percent loan-to-value threshold mean?
- It indicates that the borrower provides a twenty-five percent cash deposit, with the mortgage covering the remaining seventy-five percent of the property value.
- Why do quoted rates differ from effective mortgage rates?
- Quoted rates show what lenders currently advertise for new products, whereas effective rates reflect the blended average paid across all historical mortgages.
- Are arrangement fees included in these quoted mortgage rates?
- Quoted figures typically display baseline headline interest charges, while associated product fees are published alongside them separately.