Rightmove’s weekly mortgage tracker
May 16, 2025
Average rates for 2-year and 5-year fixed-rate mortgages
| Term | Average rate | Weekly change | Yearly change |
| 2-year fixed | 4.61% | -0.02% | -0.80% |
| 5-year fixed | 4.59% | -0.01% | -0.42% |
Lowest rates for 2-year and 5-year fixed-rate mortgages
| Term | Lowest rate | Weekly change | Yearly change |
| 2-year fixed | 3.72% | +0.00% | -1.03% |
| 5-year fixed | 3.78% | +0.00% | -0.56% |
Average fixed-term mortgage rates for home-buyers with 5-10% deposits
| Loan to Value (LTV) | Term | Avg rate 09 May 2025 |
Avg rate 16 May 2025 |
Weekly Change | Yearly Change |
| 95% | 2-year-fixed | 5.40% | 5.34% | -0.06% | -0.76% |
| 95% | 5-year-fixed | 5.27% | 5.26% | -0.01% | -0.44% |
| 90% | 2-year-fixed | 4.94% | 4.92% | -0.02% | -0.75% |
| 90% | 5-year-fixed | 4.79% | 4.78% | -0.01% | -0.42% |
Average fixed-term mortgage rates for home-buyers with 15-25% deposits
| Loan to Value (LTV) | Term | Avg rate 09 May 2025 |
Avg rate 16 May 2025 |
Weekly Change | Yearly Change |
| 85% | 2-year-fixed | 4.58% | 4.58% | +0.00% | -0.81% |
| 85% | 5-year-fixed | 4.55% | 4.54% | -0.01% | -0.41% |
| 75% | 2-year-fixed | 4.39% | 4.37% | -0.02% | -0.88% |
| 75% | 5-year-fixed | 4.41% | 4.39% | -0.02% | -0.47% |
Average fixed-term mortgage rates for home-buyers with 40% deposits
| Loan to Value (LTV) | Term | Avg rate 09 May 2025 |
Avg rate 16 May 2025 |
Weekly Change | Yearly Change |
| 60% | 2-year-fixed | 4.01% | 3.94% | -0.07% | -0.95% |
| 60% | 5-year-fixed | 4.06% | 3.99% | -0.07% | -0.50% |
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
New analysis shows majority of estate agents complete HMRC AML registration
Just 5% of branches still need to register More than 24,000 UK estate agency branches have registered with HMRC for money laundering supervision – an increase of around 2,300 branches in just over a year, according to new analysis from client due diligence platform Thirdfort. Some 24,003 estate agent branches across the UK have registered…
Read More 
Gen Z could wait until 2044 to buy a home
Getting on the property ladder has never been tougher, and, for Gen Z, it could take up to 18 years to save a deposit in the UK’s least affordable cities, according to new research from Beswicks Legal, comparing 40 urban centres. The figures reveal that in places like Cambridge and London, Gen Z buyers may…
Read More 
Pressure on landlords takes shine off BTL rate cuts
Buy-to-let fixed rates dipped to their lowest points since September 2022, and choice rose to a record high, according to Moneyfactscompare.co.uk. However, landlords are facing financial challenges, and rumours of more tax reforms in the Budget could hit investors hard. • Average buy-to-let fixed rates over two- or five-year have dipped to their lowest…
Read More 
Three steps to pet-proof your property ahead of new pet laws
Landlords across the UK are set for one of the biggest shifts in rental regulation in years as the Renters’ Rights Bill edges closer to becoming law. While the bill aims to give tenants a greater right to keep a pet, a new analysis highlights the stark reality of demand versus supply: with a dog…
Read More 
Budget-Friendly Ways to Boost Property Appeal
Upgrading a property’s appearance doesn’t always require a hefty budget. One of the most impactful yet affordable changes involves refreshing tired flooring, an element that potential buyers and tenants notice immediately upon entering a property. Carpet remnants have become a smart solution for cost-conscious property owners looking to make meaningful improvements, as they offer the…
Read More 
Naked tenants, basement brothels and maggot rain
When a company specialises in 24/7 property management support, it’s got to be ready to handle pretty much anything, as can be attested to by Adiuvo, whose managers have, on more than one occasion, received tenant requests that have caused them to pause and say, wait, what? Adiuvo has now pulled back the curtain on…
Read More