Your mortgage rate radar for June 2026

Mortgage rates rose at the start of the Middle East conflict. Since then, they’ve eased slightly – welcome news for borrowers. 

However, the Bank of England has warned that inflation could rise again. If needed, it may increase rates more sharply. Current forecasts suggest two to three rises this year. 

If your deal ends soon, it’s worth reviewing your options now rather than waiting. 

Rates currently start from around 4.4% – still low by historic standards. But they may rise later this year. 

Lenders are also offering more flexible options, particularly for first-time buyers. 

Example fixed rates (60% Loan to value (LTV) 

• 2-year fixed – 4.56% | £999 fee 
• 3-year fixed – 4.60% | £999 fee 
• 5-year fixed – 4.59% | £999 fee 
• Buy-to-let 2-year fixed – 4.56% | £1,749 fee 

Rates shown are residential repayment unless stated otherwise. 

Residential repayment fixed rates 

60% Loan to value (LTV) 

• 2-year offset fixed – 5.19% to 30.11.28 – £999 fee – early repayment charge (ERC) applies 
• 5-year offset fixed – 5.25% to 30.11.31 – £999 fee – early repayment charge (ERC) applies 
• 2-year fixed – 4.56% to 02.09.28 – £999 fee – early repayment charge (ERC) applies 
• 5-year fixed – 4.59% to 31.07.31 – £999 fee – early repayment charge (ERC) applies 

75% Loan to value (LTV) 

• 2-year fixed – 4.59% to 31.12.28 – £999 fee – early repayment charge (ERC)  applies 
• 5-year fixed – 4.89% to 31.07.31 – £999 fee – early repayment charge (ERC)  applies 

Some of these deals are available on an interest-only basis up to 60%, with sale of the property used as the repayment strategy. 

Residential repayment tracker and discounted rates 

60% Loan to value (LTV) 

• 2-year tracker – 0.21 + BEBR = 3.96% – £1,499 fee – no early repayment charge (ERC) 

75% Loan to value (LTV) 

• 2-year tracker – 0.38% + BEBR = 4.13% – £1,499 fee – no early repayment charge (ERC) 

‘Rates as at 3 June 2026. Some of these deals are available on an interest-only basis up to 50%, with sale of the property used as the repayment strategy. 

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 – our team’s here to guide you.

Contact the PWM mortgage team

Call: 020 7444 4030
Email: mortgages@partnerswealthmanagement.co.uk.

This content is for general information only and does not represent personal advice. Past performance is not a guide to future returns. Your home may be repossessed if you do not keep up mortgage repayments.