Mortgage News & Insights
The latest mortgage news, rate changes, and expert advice
What Are RBS Mortgage Rates Right Now — And Are They Worth It in 2026?
RBS mortgage rates in 2026 are competitive but not always market-leading — here's how they stack up against top lenders right now. We break down current RBS fixed and tracker deals so you can decide whether to stay or switch.
9 May 2026
What Will Happen to UK Mortgage Rates If the Iran War Escalates?
The Iran conflict is already moving swap rates and stalling Bank of England cut expectations — and it could get worse. Here's how three escalation scenarios play out for UK borrowers, and a clear framework for deciding whether to fix, wait, or go tracker.
5 May 2026
What Does the Bank of England Holding Rates at 3.75% Mean for Your Mortgage?
The Bank of England voted to hold the base rate at 3.75%, with Iran war inflation fears complicating the path to cuts. Here's what it means for fixed, tracker, and SVR borrowers — and what the data says about where rates go next.
2 May 2026
Why Are RBS and NatWest Mortgage Rates Rising — And What Should Borrowers Do Now?
RBS and NatWest mortgage rates are climbing even when the Bank of England base rate holds steady — and searches for answers are up nearly 1,900%. Here's what's driving lender-specific rate changes and the steps borrowers should take right now.
25 April 2026
Why Are Mortgage Lenders Cutting Rates Even as the Iran War Pushes Inflation Higher?
Mortgage lenders are cutting rates even as geopolitical tensions push inflation higher — and the reason lies in swap rates and fierce lender competition. Here's what the data shows and exactly what borrowers should do right now.
23 April 2026
Are Mortgage Rates Going Up in the UK Right Now — And When Will They Fall?
After months of climbing, UK mortgage rates posted their first weekly decline since February — but the picture is more complex than headlines suggest. Here's what the latest data actually means for borrowers deciding whether to fix now or hold off.
21 April 2026
Will Mortgage Rates Drop to 3% Again in the UK?
Data from swap rate markets and Bank of England forecasts suggests UK mortgage rates are unlikely to return to 3% any time soon. Here's the evidence — and what borrowers should actually do in 2026.
18 April 2026
Have Mortgage Rates Gone Up? What's Happening Right Now and What to Do
UK mortgage rates have risen again, adding hundreds of pounds a year to new deals. Here's what's driving the increase — from Trumpflation to global instability — and a clear framework to help you decide whether to fix now, wait, or act.
14 April 2026
Will Mortgage Rates Go Down in 2026 in the UK?
UK mortgage rates may ease in 2026, but geopolitical shocks are keeping swap rates — and lender pricing — unpredictable. Here's a data-backed forecast and a clear framework to help you decide whether to fix now or wait.
11 April 2026
Should I Fix My Mortgage for 2 or 5 Years in 2026?
With UK mortgage rates topping 5% and rate expectations shifting fast, choosing between a 2 or 5 year fix is one of the biggest financial decisions you'll make this year. Here's how to decide based on your circumstances, risk appetite, and the latest lender data.
8 April 2026
Fixed Rate Mortgages Explained: How They Work and Whether to Choose One in 2026
Fixed rate mortgages are priced using swap rates, not the Bank of England base rate — a distinction that matters when markets are volatile. This guide breaks down how they work, how they compare to trackers and SVRs, and how to decide between a two, three or five-year fix in 2026.
17 March 2026
What the Iran War Means for UK Mortgage Rates: A Borrower's Guide
Global conflict can feel far removed from your monthly mortgage payment, but the economic chain reaction is very real. This guide explains exactly how events in Iran filter through oil markets, inflation, and swap rates to affect the deal you could get on your next mortgage.
10 March 2026