UK 2-Year Fixed Mortgage Rate (75% LTV)

## What this measures

The average quoted rate on a 2-year fixed-rate mortgage with a 25% deposit, across UK lenders.

## Why it matters

Most UK mortgages are fixed for two or five years, so these rates set what households pay when they remortgage.

## How to read it

Compare with Bank Rate: fixed rates move with expectations for Bank Rate, not just its current level.

## What it does not say

It is a quoted rate, not what borrowers actually paid, and excludes fees.

## Source

Bank of England Statistical Interactive Database, series IUMBV34 ("Monthly interest rate of UK monetary financial institutions, 2 year 75% LTV fixed rate mortgage"). Palanor reads it from the database's CSV export every weekday.

Source: Bank of England. Contains public sector information licensed under the Open Government Licence v3.0.