Rightmove’s Weekly Mortgage Rates Tracker
October 9, 2025
Average rates for 2-year and 5-year fixed-rate mortgages
| Term | Average rate | Weekly change | Yearly change |
| 2-year fixed | 4.51% | +0.00% | -0.37% |
| 5-year fixed | 4.55% | +0.01% | +0.01% |
Lowest rates for 2-year and 5-year fixed-rate mortgages
| Term | Lowest rate | Weekly change | Yearly change |
| 2-year fixed | 3.77% | +0.05% | -0.07% |
| 5-year fixed | 3.97% | +0.10% | +0.29% |
Average fixed-term mortgage rates for homebuyers with 5-10% deposits
| Loan to Value (LTV) | Term | Avg rate 02 Oct 2025 |
Avg rate 09 Oct 2025 |
Weekly Change | Yearly Change |
| 95% | 2-year-fixed | 5.17% | 5.17% | +0.00% | -0.38% |
| 95% | 5-year-fixed | 5.12% | 5.14% | +0.02% | -0.05% |
| 90% | 2-year-fixed | 4.68% | 4.68% | +0.00% | -0.62% |
| 90% | 5-year-fixed | 4.67% | 4.66% | -0.01% | -0.17% |
Average fixed-term mortgage rates for homebuyers with 15-25% deposits
| Loan to Value (LTV) | Term | Avg rate 02 Oct 2025 |
Avg rate 09 Oct 2025 | Weekly Change | Yearly Change |
| 85% | 2-year-fixed | 4.39% | 4.39% | +0.00% | -0.51% |
| 85% | 5-year-fixed | 4.43% | 4.43% | +0.00% | -0.14% |
| 75% | 2-year-fixed | 4.31% | 4.32% | +0.01% | -0.33% |
| 75% | 5-year-fixed | 4.39% | 4.40% | +0.01% | +0.05% |
Average fixed-term mortgage rates for homebuyers with 40% deposits
| Loan to Value (LTV) | Term | Avg rate 02 Oct 2025 | Avg rate 09 Oct 2025 | Weekly Change | Yearly Change |
| 60% | 2-year-fixed | 3.97% | 3.98% | +0.01% | -0.12% |
| 60% | 5-year-fixed | 4.10% | 4.12% | +0.02% | +0.24% |
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.
You May Also Enjoy
The most in-demand holiday home destinations
Alicante is the ideal place in the sun when it comes to Brit foreign property dreams Province on Spain’s Eastern coast is the most popular destination for Brits in TV foreign property series Almeria and the Costa Del Sol are in the top three based on analysis of 1,000 episodes of A Place In The…
Read More 
Two Weeks to Go for First Phase of Renters’ Rights Act
With just two weeks until the first phase of the Renters’ Rights Act comes into effect, letting agents across England are being urged to ensure they are fully prepared for the significant operational and compliance changes ahead. From 1 May 2026, the new legislation will introduce wide-ranging reforms to tenancy structures, possession processes and rent…
Read More 
Housing Insight Report: February 2026
The housing market shows steady activity, ongoing challenges with sales agreed rising slightly and stock levels stable, while affordability pressures and longer transaction times continue to strain buyers and sellers. Demand is strong in the rental sector, with significant competition among tenants despite only a modest increase in available properties. Rents have remained relatively stable…
Read More 
London boasts biggest property market gap
UK’s property price gaps exposed: London tops with £838k difference between top and bottom of the market The latest research from eXp UK has revealed the scale of the price divide between the most and least expensive property markets across each region of the UK, with three areas seeing average house price gaps of more…
Read More 
Questions raised over tenant-agent trust gap
New research from Propoly has found that while over half of tenants describe their letting agent as professional, quick to respond to queries, and efficient in handling maintenance issues, issues still exist, particularly a widespread suspicion that agents are not working in the tenants’ favour. Propoly commissioned a survey of 1,000 UK tenants* to understand…
Read More 
29 is the age house sharing becomes ‘embarrassing’
but 11% still do it, according to new Nationwide research That equates to 27 million admitting they have felt embarrassed about their living situation With 69% saying living alone is unaffordable, it’s no surprise the average age of those in house shares is 35 From moving home (12%) to living with an ex (10%), as…
Read More