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Tagged Housing
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11 Sept 2026 checked
7 min
Are UK mortgage rates going down in 2026?
Not consistently. Bank Rate is 3.75%, but quoted two-year fixes rose after wholesale rates increased: the Bank of England put the average 75% LTV two-year fix at 4.92% in July 2026. The effective rate on newly drawn mortgages was 4.45% in July.