08/09/2026
The first-time buyer journey looks very different today compared to a decade ago.
Average 2-year fixed rates were around 2–3% in 2015.
Today they’re closer to 4.5–5% (depending on LTV and lender).
That’s not opinion, that’s market data.
Every market cycle creates different challenges and different opportunities.
Thinking about buying in 2026? Message Yomo Finance for a personalised plan.
Sources:
Bank of England historical mortgage rate data (2015 averages)
Moneyfacts UK Mortgage Trends Treasury Report (2025/26 averages)
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.
Yomo Finance Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no.15250199. Registered Address: The Hive @ Edenwood, Place 15 Old Chatham Road, Blue Bell Hill, Aylesford, ME20 7EZ.