15/07/2026
Mortgage rates are falling again… but don’t wait too long.
The UK mortgage market has shifted quickly, with fixed rates starting to come down as lenders compete harder for business.
After a difficult few months of rising rates, swap rate pressure and market uncertainty, some major lenders have now started cutting again — with average two and five-year fixed deals reported around 5.52%.
That sounds like good news.
But here’s the bit homeowners need to be aware of…
The market is still sensitive, and if swap rates move again, deals can disappear quickly.
So, if your mortgage deal is coming to an end in the next few months, now could be the time to review your options rather than leaving it until the last minute.
A lot of households are expected to see their monthly payments rise when they refinance, so getting ahead early could make a real difference.
If your current deal is ending soon, send me a message with:
✅ When your current deal ends
✅ Your estimated property value
✅ Whether you’re considering a 2-year or 5-year fixed rate
And I’ll help you understand what your options could look like.
The right deal may not stay around forever.
Your home may be repossessed if you do not keep up repayments on your mortgage.