Rightmove’s weekly mortgage tracker 24/01/25
January 24, 2025
Average rates for 2-year and 5-year fixed-rate mortgages
| Term | Average rate | Weekly change | Yearly change |
| 2-year fixed | 5.02% | +0.02% | +0.05% |
| 5-year fixed | 4.80% | +0.03% | +0.13% |
| Term | Lowest rate | Weekly change | Yearly change |
| 2-year fixed | 4.22% | +0.00% | +0.14% |
| 5-year fixed | 4.07% | +0.00% | +0.19% |
Average fixed-term mortgage rates for home-buyers with 5-10% deposits
| Loan to Value (LTV) | Term | Avg rate 17 Jan 2025 |
Avg rate 24 Jan 2025 |
Weekly Change | Yearly Change |
| 95% | 2-year-fixed | 5.68% | 5.71% | +0.03% | +0.07% |
| 95% | 5-year-fixed | 5.36% | 5.39% | +0.03% | +0.18% |
| 90% | 2-year-fixed | 5.36% | 5.39% | +0.03% | +0.14% |
| 90% | 5-year-fixed | 4.98% | 5.01% | +0.03% | +0.19% |
Average fixed-term mortgage rates for home-buyers with 15-25% deposits
| Loan to Value (LTV) | Term | Avg rate 17 Jan 2025 |
Avg rate 24 Jan 2025 |
Weekly Change | Yearly Change |
| 85% | 2-year-fixed | 4.93% | 4.95% | +0.02% | -0.01% |
| 85% | 5-year-fixed | 4.72% | 4.75% | +0.03% | +0.13% |
| 75% | 2-year-fixed | 4.79% | 4.83% | +0.04% | +0.08% |
| 75% | 5-year-fixed | 4.63% | 4.66% | +0.03% | +0.09% |
Average fixed-term mortgage rates for home-buyers with 40% deposits
| Loan to Value (LTV) | Term | Avg rate 17 Jan 2025 |
Avg rate 24 Jan 2025 |
Weekly Change | Yearly Change |
| 60% | 2-year-fixed | 4.38% | 4.42% | +0.04% | +0.02% |
| 60% | 5-year-fixed | 4.27% | 4.29% | +0.02% | +0.11% |
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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