At what mortgage rate are you now?

WakeMeFriday · 2025-07-11T13:30:27+00:00

Our 5 year fix for mortgage is coming to end in Dec and we are at 1.6% right now. We have a good LTV, around 45% remaining mortgage on the house value. We have been looking around and the best rates we can find are around still at 3.8-3.9%. If you renewed your mortgage recently, what rate are you on at now?

ClareBlue · 12/07/2025 22:11

VanessaFence · 11/07/2025 17:17

I got 1.9% on a 10 year fix at end of 2021. Probably the best financial decision I've made!

Edited

Your lender either hates you or wants to employ you, with foresight like that 😂

DashboardConfession · 12/07/2025 22:00

2.19%, 3 years into a 10 year fixed rate. When it ends, we'll pay off the last £30k.

eurochick · 12/07/2025 21:56

4.69 from a 2023 product. I hope when this five year fix ends we can get something better.

Cursula · 12/07/2025 07:45

SharpOliveUser · 12/07/2025 05:32

Yes will be - we are at the start of a 30 year term 😥

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Oh I’m sorry, that’s tough.

SharpOliveUser · 12/07/2025 05:32

Cursula · 11/07/2025 23:12

I have 4.3% on 225k with payments of £1600. I’m confused! Is it that mine has 16 years to go?

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Yes will be - we are at the start of a 30 year term 😥

Cursula · 11/07/2025 23:12

SharpOliveUser · 11/07/2025 15:09

5.4% mortgage of 330k - monthly repayments of 1620

I have 4.3% on 225k with payments of £1600. I’m confused! Is it that mine has 16 years to go?

IwasDueANameChange · 11/07/2025 23:12

2.9% but fix ends soon. Expecting to go to 3.8-4%.

cadburyegg · 11/07/2025 23:10

I fixed in October 2023 at 4.36% for 5 years. That was with a broker too, so best deal I could get at the time. I was previously on 1.79%

Wolfpinkola · 11/07/2025 23:05

4.12% I was pretty happy with that

Twiglets1 · 11/07/2025 23:03

AnotherEmma · 11/07/2025 21:45

True. Forgot to mention our 4.07% rate was with no fee. We could have got a slightly lower rate if we paid a fee, but with the amount we're borrrowing, we save more if we don't pay a fee and go for a slightly higher rate.

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Exactly ... everyone has different situations with their LTVs, time left to run on the mortgage term, whether they paid a fee or not, etc.

HeyThereDelila · 11/07/2025 22:44

Just fixed at 4.1% for two years.

CalmFox · 11/07/2025 22:25

0.99% fixed for 5 years, ends Feb 27. We were lucky, we made the enquiry 5 days before Santander removed this rate offer. We increased our repayments by £100 ish but reduced our term by 5 years with this rate, and will be left with 7 years.

brunettemic · 11/07/2025 22:19

I doubt you’ll get better than 3.8%, I think that’s what we’ve just fixed at. We’re well past the lowest 60/40 LTV point (partly because the bank WAY overvalues our house). We fixed for 5 years because rates are highly unlikely to fall dramatically and it makes life easier.

AnotherEmma · 11/07/2025 21:45

Twiglets1 · 11/07/2025 20:53

It’s hard to say because people are just giving the very basic details.

Like I posted saying my daughter got 3.9% very recently but she did have to pay 1k in fees so not as good as it seems.

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True. Forgot to mention our 4.07% rate was with no fee. We could have got a slightly lower rate if we paid a fee, but with the amount we're borrrowing, we save more if we don't pay a fee and go for a slightly higher rate.

robinibor · 11/07/2025 21:03

4.18 fixed for 5 years last summer no fees. We stayed with the same lender to avoid loads of paperwork.

Twiglets1 · 11/07/2025 20:53

AnotherEmma · 11/07/2025 19:58

I'm buying a house and just got the mortgage application approved. The rate is 4.07% fixed for 2 years. We are hoping rates might improve a bit by then, but who knows. Oh and our LTV is very low (20%) so I'm wondering if we should have got a better rate based on the fact that some of you got under 4% recently.

It’s hard to say because people are just giving the very basic details.

Like I posted saying my daughter got 3.9% very recently but she did have to pay 1k in fees so not as good as it seems.

wherethecityis · 11/07/2025 20:50

We've just applied for one at 4% exactly - it was the cheapest we could find (that didn't have product fees)

JustMarriedBecca · 11/07/2025 20:31

MysticHalfWitch · 11/07/2025 14:37

For once I got lucky and fixed three years ago at 2.09% for 10 years.

Same. I read a post on here and we bought out our mortgage which had 6 months extra remaining. Cost us £2k at the time but will save us close to £500 a month. Insane.

DirtyBird · 11/07/2025 20:08

Mine is 3.25 and fixed until it's paid off

AnotherEmma · 11/07/2025 19:58

I'm buying a house and just got the mortgage application approved. The rate is 4.07% fixed for 2 years. We are hoping rates might improve a bit by then, but who knows. Oh and our LTV is very low (20%) so I'm wondering if we should have got a better rate based on the fact that some of you got under 4% recently.

Digdongdoo · 11/07/2025 19:57

A horrifying 5.74%. Not long left at this rate though! But we only bought in 2022 and it's still less than our rent was.

IHeartFridays · 11/07/2025 19:51

Remortgaged in February at 3.69%. Deliberated a lot at the term - went for 5 years. That was brokered back in November though. Before that I was on a tracker which really really hurt.

Panicmode1 · 11/07/2025 19:51

Just been quoted 3.99 or 4.14 for a 5 year fix - we have a decent LTV and I think could do better if we moved from our current lender but DH was made redundant and has been out of work for a year now so we would fail affordability criteria ATM so have to stay put.....

Sdpbody · 11/07/2025 19:49

MysticHalfWitch · 11/07/2025 14:37

For once I got lucky and fixed three years ago at 2.09% for 10 years.

Gods favourite. 🤩

MysticHalfWitch · 11/07/2025 19:49

Thebuttercup · 11/07/2025 19:48

We did the same two years ago at 2.74... Now trying to overpay as much as possible so in 8 years it will be gone!

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Same!!