Rightmove’s weekly mortgage tracker – 05/02/25
February 5, 2025
Average rates for 2-year and 5-year fixed-rate mortgages
| Term | Average rate | Weekly change | Yearly change |
| 2-year fixed | 4.98% | -0.04% | +0.01% |
| 5-year fixed | 4.78% | -0.03% | +0.14% |
These rates are provided by Podium and are an average based on 95% of the mortgage market. All rates are based on products with a circa £999 fee.
Lowest rates for 2-year and 5-year fixed-rate mortgages
| Term | Lowest rate | Weekly change | Yearly change |
| 2-year fixed | 4.15% | -0.10% | -0.02% |
| 5-year fixed | 4.00% | -0.13% | +0.12% |
Average fixed-term mortgage rates for home-buyers with 5-10% deposits
| Loan to Value (LTV) | Term | Avg rate 29 Jan 2025 |
Avg rate 05 Feb 2025 |
Weekly Change | Yearly Change |
| 95% | 2-year-fixed | 5.72% | 5.69% | -0.03% | +0.10% |
| 95% | 5-year-fixed | 5.40% | 5.39% | -0.01% | +0.14% |
| 90% | 2-year-fixed | 5.38% | 5.35% | -0.03% | +0.16% |
| 90% | 5-year-fixed | 5.01% | 4.99% | -0.02% | +0.25% |
Average fixed-term mortgage rates for home-buyers with 15-25% deposits
| Loan to Value (LTV) | Term | Avg rate 29 Jan 2025 |
Avg rate 05 Feb 2025 |
Weekly Change | Yearly Change |
| 85% | 2-year-fixed | 4.94% | 4.91% | -0.03% | -0.05% |
| 85% | 5-year-fixed | 4.76% | 4.76% | +0.00% | +0.18% |
| 75% | 2-year-fixed | 4.82% | 4.79% | -0.03% | -0.01% |
| 75% | 5-year-fixed | 4.69% | 4.64% | -0.05% | +0.09% |
Average fixed-term mortgage rates for home-buyers with 40% deposits
| Loan to Value (LTV) | Term | Avg rate 29 Jan 2025 |
Avg rate 05 Feb 2025 |
Weekly Change | Yearly Change |
| 60% | 2-year-fixed | 4.44% | 4.40% | -0.04% | -0.01% |
| 60% | 5-year-fixed | 4.33% | 4.29% | -0.04% | +0.19% |
These rates are provided by Podium and are an average based on 95% of the mortgage market. All rates are based on products with a circa £999 fee.
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