20/02/2026
On a final note for the week, some high street lenders have increased their rates. For all the talk on the town, so to speak, of there being future rate cuts from the Bank of England on the horizon, it just goes to show how volatile mortgage rates are on a daily and weekly basis.
The lenders who have made increases are as follows:
• Halifax have increased selected Residential Remortgage 2 Year Fixed Rates at 60% and 75% LTV — rates will now start from 3.63%
• Leeds Building Society have increased selected Buy to Let, Portfolio Buy to Let, Small HMO and Large HMO fixed rates — rates will now start from 3.83%
• Leeds Building Society have also increased selected First Homes, Shared Ownership, Shared Equity, Help to Buy, and Right to Buy products by up to 0.36% — rates will now start from 4.20%
• Vida Homeloans have increased selected Buy to Let rates by up to 0.25% — 2 Year Fixed Rates will now start from 2.67% and 5 Year Fixed Rates will now start from 3.73%
This highlights an important point: lender pricing doesn’t always move in line with expectations or headlines. Lenders are constantly adjusting based on swap rates, funding costs, and market positioning.
For borrowers, this reinforces the importance of timing and having a clear strategy. Whether you’re purchasing, remortgaging, or reviewing your options ahead of your current deal ending, being proactive can make a significant financial difference.
If your rate is due to expire in the next 6 months, now is the time to review your position.
