Best Mortgage Rates UK — 21 March 2026
Sub-4% fixed rate deals have disappeared from the UK market. We search over 90 lenders daily to find the best rates still available — our advice is 100% free.
Market alert: Nearly 700 mortgage products withdrawn in two weeks. All sub-4% fixed deals are now gone. If your deal ends before Christmas 2026, lock in a rate now — it's free.
Best 2-Year Fixed Mortgage Rates
Fix your payments for 2 years. Ideal if you want flexibility to switch sooner — but note sub-4% deals have now disappeared from the market.
HSBC — £999 product fee
4.01%
First Direct — £490 fee
4.10%
HSBC — £749 fee
4.44%
Barclays — no product fee
5.00%
Best 5-Year Fixed Mortgage Rates
The UK's most popular choice. Lock in your payments for 5 full years — providing certainty through potential further rate rises.
HSBC — £999 fee | First Direct £490 fee
4.19%
Allied Irish Bank — £750 cashback
4.25%
Allied Irish Bank — £750 cashback
4.50%
HSBC — £350 cashback
5.03%
Best Buy-to-Let Mortgage Rates
Rates for landlords. BTL deals have held up better than residential but are still climbing — act fast to lock in.
Specialist lender — high arrangement fee
2.34%
Based on rental income
2.39%
Longer-term stability for landlords
3.89%
Best Remortgage Rates
Switching your deal? Remortgage rates have risen sharply this week. If your deal ends before Christmas 2026, locking in now could save you thousands.
HSBC — £1,008 fee | Free legal work
4.14%
HSBC — £1,008 fee
4.25%
HSBC / First Direct — from £490 fee
4.24%
Allied Irish Bank — £1,000 cashback
4.25%
Source: L&C, Moneyfacts, HOA — 21 March 2026. Rates are indicative and depend on your circumstances. Get a personalised quote — it's free.
How Can I Compare Mortgage Rates from Top UK Lenders?
Comparison websites only show deals from lenders who pay to be listed. We search the entire market — every lender, every deal — including ones you can't find on Compare the Market, MoneySupermarket, or by going directly to banks like Halifax, Nationwide, or Barclays.
90+ Lenders
We compare deals from 90+ lenders, not just a select panel
100% Fee-Free
You never pay us a penny — we're paid by the lender
Expert Advice
Qualified advisors who handle everything from application to completion
Don't Wait — Rates Are Moving Fast
With sub-4% deals gone and further rises expected, our fee-free advisors will search the whole market and lock in the best deal for your circumstances — at no cost to you.
Get Your Free QuoteFrequently Asked Questions
Amazon Mortgages connects you with qualified, fee-free mortgage advisors at The Mortgage Genie. All advice is provided at no cost to you — our advisors are paid by the lender when your mortgage completes. Rates updated 21 March 2026.