Makrognosis

United Kingdom Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly)

MonthlyNot seasonally adjustedCode UK.LENDRATE.M.NSA.GRP-HOUSING

Latest5.4%October 2026
Previous5.1%September 2026
Year ago4.2%October 2025

United Kingdom Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly) was 5.4% in October 2026, up 0.3 percentage points from September 2026 and up 1.2 percentage points from a year earlier.

That is the highest reading since October 2023.

Over the past ten years it has ranged from 1.2% (Sep 2021) to 6.2% (Jul 2023), averaging 3.0%.

United Kingdom Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly) (%), Jan 1996 – Oct 20260%2%4%6%8%200020052010201520202025Robomacro
United Kingdom Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly) (%), Jan 1996 – Oct 2026. Source: Bank of England.

Showing the full history (downsampled for display). Open the interactive chart to zoom and switch transforms.

Recent data

PeriodValue
October 20265.4%
September 20265.1%
August 20264.9%
July 20264.8%
June 20264.8%
May 20264.9%
April 20265.1%
March 20264.5%
February 20264.0%
January 20263.9%
December 20254.0%
November 20254.1%
October 20254.2%
September 20254.2%
August 20254.1%
July 20254.2%
June 20254.3%
May 20254.2%
April 20254.4%
March 20254.5%
February 20254.7%
January 20254.6%
December 20244.6%
November 20244.5%

Last 24 observations. The full history (370 observations) is available through the API.

Get United Kingdom Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly) in your code or spreadsheet

One guessable code, agency-direct, updated on release. Free tier available.

curl -H "X-API-Key: $MAKROGNOSIS_KEY" \
  "https://makrognosis.robomacro.com/v1/series/UK.LENDRATE.M.NSA.GRP-HOUSING"

# Python
import requests
r = requests.get("https://makrognosis.robomacro.com/v1/series/UK.LENDRATE.M.NSA.GRP-HOUSING",
                 headers={"X-API-Key": KEY})
obs = r.json()["observations"]
Get a free API key → · API docs

About this series

Latest observationOctober 2026
First observationJanuary 1996
Observations370
FrequencyMonthly
Units%
AdjustmentNot seasonally adjusted
10-year high6.2% (Jul 2023)
10-year low1.2% (Sep 2021)
10-year average3.0%
Source agencyBank of England
Makrognosis codeUK.LENDRATE.M.NSA.GRP-HOUSING

Other United Kingdom indicators

United Kingdom GDP (Gross Domestic Product)United Kingdom Nominal GDP (current prices)United Kingdom Inflation Rate (CPI)United Kingdom Core Inflation RateUnited Kingdom Unemployment RateUnited Kingdom Credit Rating & Sovereign Risk ScoreUnited Kingdom Industrial ProductionUnited Kingdom Production Industries - Total (Index 1dp): CVM SAUnited Kingdom Retail SalesUnited Kingdom Producer Price Inflation (PPI)United Kingdom BoP Current Account Balance SAUnited Kingdom Trade Balance: Goods & ServicesUnited Kingdom Total Trade (TT): WW: Exports: BOP: CP: SA (goods + services)United Kingdom Total Trade: World: Exports: BOP: CVM SAUnited Kingdom Total Trade (TT): WW: Imports: BOP: CP: SA (goods + services)United Kingdom Total Trade: World: Imports: BOP: CVM SA

FAQ

What is the current quoted household mortgage rate: 2-year fixed, 75% LTV (monthly) in United Kingdom?
The latest reading is 5.4% for October 2026, published by Bank of England.
Where does this data come from?
It is collected directly from Bank of England and is available through the Makrognosis API under the code UK.LENDRATE.M.NSA.GRP-HOUSING.

Last updated 2026-11-07. Source: Bank of England. Original title: “Quoted household mortgage rate: 2-year fixed, 75% LTV (monthly)”.