What are “best” mortgage rates?
In mortgage terms, “best” combines two key factors:
- Lowest interest rate for your profile (LTV, loan type, credit status, property type)
- Affordable and flexible deal terms, including fees, overpayment options, and early-exit rules
A great rate isn’t just a number – it’s the right fit for your individual needs.
2025 market overview
At the time of writing this article in July 2025, here are typical top-tier mortgage rates for well-qualified borrowers:
| Mortgage Type | Best-Case Rate Range |
| 2-Year Fixed (75% LTV) | 4.5% – 4.7% |
| 5-Year Fixed (75% LTV) | 4.7% – 5.0% |
| Tracker / Variable | Base + 0.9% – 1.5% |
| Buy-to-Let Fixed (75% LTV) | 5.0% – 5.4% |
Assuming strong credit and a sizeable deposit. Your rate may differ based on your circumstances.
Best current mortgage rates
To view the latest current mortgage rates based on you what you are looking to borrow for and your individual circumstances – use our mortgage calculator.
What makes a “best” rate for you
- Deposit/equity level: More equity = better pricing
- Credit history: Clean files unlock strongest deals
- Loan type & property: First-time buyer, BTL or remortgage, and property type all affect pricing
- Product features: Overpayments, early repayment flexibility, portability, and fee structure
How to find your best rate
- Plan ahead: start searching 3–6 months before your current deal ends
- Improve your profile: better deposit and credit score = better rates
- Use a trusted broker: gain access to market-wide deals and specialist BTL products
- Compare deals holistically: rate, fees, features, and flexibility
- Lock in the right time: secure a deal before rates rise – or act fast if they might
Why work with us for the best rate
We offer truly independent mortgage advice, driven by trust and clarity:
- Clients trust us since 2005 to compare the entire market—not just one lender
- All advisers are CeMAP-qualified and FCA-authorised professionals
- We provide transparent savings comparisons, including fees and extra features
- We have thousands of verified 5‑star reviews on Google, Review Centre and Reviews.io
- We support both standard and complex cases – self-employed, portfolio, adverse credit, new builds
We help you find more than a good rate – we help you find the right deal for your situation.
Want to see if you qualify for the best rate?
- Use our calculators to estimate payments and borrowing
- Gather essential documents: deposit proof, latest mortgage statement, and income details
- Book a free rate review with one of our expert mortgage advisers
- We’ll show you your personal best rate range and help secure a suitable deal
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| Mortgage Advisor