Lowest advertised mortgage rate: 4.08% rate
202 offers from 6 institutions · Advertised initial mortgage rates as the lender publishes them, lowest first.
Lowest rate
4.08%
2 Year Tracker Rate · 60% LTV, product fee £995, TO364657 · 2 years · tracker
recorded 2026-11-01 · source ↗
202 offers6 institutionsmedian 5.35%
Spread of recorded rates
Jump to: 2 years · 5 years · No fixed term
2 years lowest 4.08% · 107 offers
5 years lowest 4.95% · 89 offers
No fixed term lowest 6.00% · 6 offers
Ask your AI. No sign-up. MCP and JSON for every rate on this site.
{"mcpServers":{"ratesonar-uk":{"url":"https://ukrates.ratesonar.com/mcp"}}}API docsQuestions
What is the lowest advertised mortgage rate in the UK right now?
NatWest 2 Year Tracker Rate (60% LTV, product fee £995, TO364657) at 4.08% rate, recorded 1 Nov 2026. RateSonar compared 202 offers from 6 institutions on the same basis.
Are these rates current?
Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.
Is this the rate I will get?
No. These are the rates lenders advertise. Your rate depends on your circumstances, and lenders may price individually. Use the bank's own quote.