27/03/2026
Over the past few weeks, keeping up with the rapid repricing of mortgage products has been a real challenge.
This shift has been driven by a mix of unpredictable and volatile factors impacting the market—both directly and indirectly. Average fixed rates have now climbed above 5% in 2026, and it’s clear that mortgage pricing is no longer influenced by the base rate alone.
Instead, we’re seeing rates shaped by wider forces: inflation concerns, geopolitical uncertainty, rising swap rates and bond yields, and ongoing Bank of England ambiguity.
In this environment, one thing is certain: flexibility is key. What’s available today may not be there tomorrow.
For clients, this means being open to exploring all available options when securing a new deal. For advisers, it’s about going beyond the headline rate—breaking down the true cost, comparing lenders, and analysing the structure over the full fixed term.
Because ultimately, the strongest recommendation isn’t just about the lowest rate—it’s about comfort, clarity, and long-term confidence.
If your deal is ending soon get in contact to check the available options.
Your home may be repossessed if you do not keep up repayments on your mortgage.