Rightmove’s Weekly Mortgage Tracker – 01/07/25
July 1, 2025
Average rates for 2-year and 5-year fixed-rate mortgages
| Term | Average rate | Weekly change | Yearly change |
| 2-year fixed | 4.57% | -0.05% | -0.83% |
| 5-year fixed | 4.55% | -0.04% | -0.45% |
Lowest rates for 2-year and 5-year fixed-rate mortgages
| Term | Lowest rate | Weekly change | Yearly change |
| 2-year fixed | 3.69% | -0.13% | -0.98% |
| 5-year fixed | 3.87% | -0.01% | -0.36% |
Average fixed-term mortgage rates for homebuyers with 5-10% deposits
| Loan to Value (LTV) | Term | Avg rate 24 June 2025 |
Avg rate 01 July 2025 |
Weekly Change | Yearly Change |
| 95% | 2-year-fixed | 5.28% | 5.26% | -0.02% | -0.86% |
| 95% | 5-year-fixed | 5.28% | 5.24% | -0.04% | -0.44% |
| 90% | 2-year-fixed | 4.87% | 4.81% | -0.06% | -0.85% |
| 90% | 5-year-fixed | 4.76% | 4.72% | -0.04% | -0.44% |
Average fixed-term mortgage rates for homebuyers with 15-25% deposits
| Loan to Value (LTV) | Term | Avg rate 24 June 2025 |
Avg rate 01 July 2025 | Weekly Change | Yearly Change |
| 85% | 2-year-fixed | 4.55% | 4.48% | -0.07% | -0.91% |
| 85% | 5-year-fixed | 4.52% | 4.46% | -0.06% | -0.54% |
| 75% | 2-year-fixed | 4.43% | 4.38% | -0.05% | -0.87% |
| 75% | 5-year-fixed | 4.47% | 4.43% | -0.04% | -0.44% |
Average fixed-term mortgage rates for homebuyers with 40% deposits
| Loan to Value (LTV) | Term | Avg rate 24 June 2025 | Avg rate 01 July 2025 | Weekly Change | Yearly Change |
| 60% | 2-year-fixed | 3.97% | 3.91% | -0.06% | -0.92% |
| 60% | 5-year-fixed | 4.02% | 4.00% | -0.02% | -0.41% |
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