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Expectations are high for a booming market in 2026. Mortgage rates are lower year-on-year and the choice of deals is growing. Paired with more relaxed criteria – especially for first time buyers – means there’s more choice and availability.
In the last few weeks, we’ve seen cuts in rates as lenders compete for business. But higher than expected inflation figures could mean a delay in any more reductions and over the last few days a few lenders have advised of slight increases to rates.
While mortgage rates might drop again later in the year, if interest rates continue to fall, big, sudden reductions in fixed mortgage rates look unlikely. This is because much of the predicted outlook for interest rates has been priced into the current fixed mortgage deals.
So, booking a fixed rate now may be the ideal time to do so.
- 2-year fixed at 60% LTV – 3.55% with a lender’s arrangement fee of £999
- 3-year fixed at 60% LTV – 3.60% with a lender’s arrangement fee of £999
- 5-year fixed at 60% LTV – 3.75% with a lender’s arrangement fee of £999
- Buy-to-let 2-year fixed rate at 60% LTV – 3.69% with a lender’s arrangement fee of £1,999
LTV = loan to value
Residential repayment fixed rateSome of these deals can be done on an interest-only basis up to 50% with the sale of property as the repayment strategy |
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| LTV | Rate | Arrangement Fee | Early repayment charge? (ERC) |
| 60% | 2-year offset fixed – 4.30% to 30.04.28 | £1499 | YES |
| 5-year offset fixed – 4.40% to 31.07.31 | £1499 | YES | |
| 2-year fixed – 3.55% to 31.03.28 | £999 | YES | |
| 5-year fixed – 3.70% to 02.03.31 | £1499 | YES | |
| 75% | 2-year fixed – 3.60% to 31.03.28 | £999 | YES |
| 5-year fixed – 3.82% to 31.03.31 | £999 | YES | |
Residential repayment tracker/discounted rateSome of these deals can be done on an interest-only basis up to 50% with the sale of the property as the repayment strategy |
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| LTV | Rate | Arrangement Fee | ERC |
| 60% | 2-year tracker – 0.11 + BEBR = 3.86% | £1,499 | NO |
| 75% | 2-year tracker – 0.23% + BEBR = 3.98% | £1,499 | NO |
BEBR = Bank of England Base Rate
Buy-to-lets, Second Charge, Bridging Finance, Equity Release Loans available – rates on request.
We’re here to help
We recommend getting professional independent financial advice before making a final decision on the most suitable option for you.
If you’ve got any questions about the buy-to-let sector reforms, rates or the mortgage market in general – we’re here to help.
Telephone: 020 7444 4030
Email: mortgages@partnerswealthmanagement.co.uk
The contents of the article have been prepared solely for information purposes. The article contains information on financial products and services, and such information is designed for and addressed solely to individuals seeking generic industry information. Past performance is no guide to future returns. The above content does not represent a personal recommendation. Your home is at risk of repossession if you do not maintain mortgage payments.
