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UK mortgage market is dominated by 2y or 5y fixed deals, after which the rate reverts to the lender's Standard Variable Rate (SVR) — most borrowers remortgage at that point. Bank of England base rate sits ~4.75% (early 2026). Help-to-Buy and shared-ownership schemes available for first-time buyers.
Typical fixed-rate band
4.00–5.50%
2026 headline range
Typical floating / variable
5.50–7.50%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
95%
Typical deposit 10%
Typical term
25 yrs
Common during the fix period; usually waived after
Computes monthly P&I on a fixed-rate UK mortgage, the SDLT (Stamp Duty Land Tax) on the purchase under standard / first-time-buyer / additional-property regimes, and the monthly-payment jump if you let the loan revert to SVR after the fix expires.
Loan amount
£320,000
LTV 80.00%
Monthly P&I (during fix)
£1,779
Fix 5y at 4.50%
SDLT (stamp duty)
£10,000
Standard residential buyer
| From | Rate | Tax in band |
|---|---|---|
| £0 | 0.00% | £0 |
| £125,000 | 2.00% | £2,500 |
| £250,000 | 5.00% | £7,500 |
| Total SDLT | £10,000 | |
Most UK borrowers remortgage to a new fix at the end of the lock-in rather than letting the loan revert to the lender's Standard Variable Rate. The jump column above is the worst-case “do nothing” scenario.
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
UK mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
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