At what mortgage rate are you now?

109 replies

WakeMeFriday · 11/07/2025 14:30

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?

OP posts:

REDB99 · 11/07/2025 14:48

2.3 and it ends in just under 2 years. I think anything under 4% currently is good.

Toddlerteaplease · 11/07/2025 14:46

2.09. Renews next rear. I’m dreading it!

MidnightPatrol · 11/07/2025 14:39

On about 1.3% but coming to an end shortly too.

Anticipating my mortgage payments going up by almost 50%.

cocolokiko · 11/07/2025 14:39

3.99 here - seems ok

fireplaceember · 11/07/2025 14:39

I took out one with an adverse lender in 2020 which was 4.6 and seemed high… it’s worked out ok!

MysticHalfWitch · 11/07/2025 14:37

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

spoonbillstretford · 11/07/2025 14:36

BEBR + 0.5%, so currently about 4.75%.

munchingmunch · 11/07/2025 14:32

I haven't renewed yet but from talking to friends anything under 4% is pretty good.

Justwingingit2005 · 11/07/2025 14:32

I fixed a 2 yrs ago at 4.3 for 5 years.

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