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Average two-year fixed mortgage rate rises to 5.39% in October

The average quoted rate on a two-year fixed-rate mortgage at 75% loan to value was 5.39% in October 2026, up from 5.13% in September, Bank of England figures show.

·9 November 2026·1 min read

The average quoted rate on a two-year fixed-rate mortgage at 75% loan to value was 5.39% in October 2026, up from 5.13% in September, according to Bank of England figures.

October 2026 rate
5.39%
September 2026 rate
5.13%
October 2025 rate
4.20%
Highest since
October 2023
Source series
Bank of England, IUMBV34
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The average quoted rate on a two-year fixed-rate mortgage at 75% loan to value was 5.39% in October 2026, up from 5.13% in September. The rate is the highest since October 2023. A year earlier, in October 2025, it was 4.20%.

Sources: Bank of England, Two-year fixed mortgage rate (IUMBV34). Figures are as first published and may be revised. Loro tracks these figures on its Indicators page.

Primary sources

1 record

Every factual claim above is drawn from these records. Each link resolves to the publisher’s own copy.

Bank of England
  1. Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (75% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted6 Nov 2026
two-year fixed mortgage ratebank of england mortgage datamortgage rates october 202675% loan to valueuk mortgage rates
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