Following a period of volatility in early March due to geopolitical tensions, major UK lenders like HSBC, Santander , and Halifax have begun cutting rates. Product Type Average Rate Best Starting From ~4.79% (60% LTV) 5-Year Fixed ~4.80% (60% LTV) 2-Year Tracker Base + 0.21% ~3.96% (60% LTV) Data as of late April 2026. Strategic Advice for Remortgagors
Most lenders allow you to reserve a rate up to six months before your current deal expires. best remortgage
Teachers Building Society and Principality have recently appeared at the top of the best-buy tables for 2-year and 5-year fixed deals. Following a period of volatility in early March
Experts emphasize that the "best" deal is not just the one with the lowest headline rate but the one with the lowest total cost over the fixed period. major UK lenders like HSBC