Interest rate figures for the United Kingdom, from the Bank of England.
5.13%
Two-year, 75% LTV Sep 2026
The average quoted interest rate on a two-year fixed-rate mortgage at 75 per cent loan to value was 5.13 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (75% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
4.98%
Five-year, 75% LTV
The average quoted interest rate on a five-year fixed-rate mortgage at 75 per cent loan to value was 4.98 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 5 year (75% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
5.37%
Two-year, 90% LTV
The average quoted interest rate on a two-year fixed-rate mortgage at 90 per cent loan to value was 5.37 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (90% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
5.7%
Two-year, 95% LTV
The average quoted interest rate on a two-year fixed-rate mortgage at 95 per cent loan to value was 5.7 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (95% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
11.52%
Quoted rate, £5,000 loan
The average quoted interest rate on a £5,000 personal loan was 11.52 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling personal loan - £5K to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
24.71%
Quoted credit card rate
The average quoted interest rate on representative credit card lending was 24.71 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling representative credit card lending to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
34.52%
Quoted overdraft rate
The average quoted interest rate on overdrafts was 34.52 per cent in the United Kingdom in September 2026.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling overdrafts to households (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
4.63%
Effective new mortgage rate
The effective interest rate on new loans secured on dwellings to individuals was 4.63 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling weighted average interest rate - loans secured on dwellings - new advances to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. New advances; weighted average interest rate on loans secured on dwellings to individuals and individual trusts.
4.03%
Effective rate, mortgage stock
The effective interest rate on the outstanding stock of loans secured on dwellings to individuals was 4.03 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling weighted average interest rate - loans secured on dwellings to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Stock of loans secured on dwellings to individuals and individual trusts.
21.71%
Card effective rate
The effective interest rate on credit card loans to individuals was 21.71 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling weighted average interest rate - credit card loans to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. The Bank release describes this as the rate on interest-charging credit cards.
9.85%
New loan rate
The effective interest rate on new other loans to individuals was 9.85 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling Weighted average interest rate - other loans - new advances to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Series title is other loans, new advances; the Bank release refers to it as the effective rate on new personal loans.
9.11%
Effective loan stock rate
The effective interest rate on the outstanding stock of other loans to individuals was 9.11 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling weighted average interest rate - other loans to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. Series title is other loans (stock).
20.79%
Overdraft effective rate
The effective interest rate on overdrafts to individuals was 20.79 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling weighted average interest rate - overdrafts to Individuals and individual trusts (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted. The Bank release describes this as the rate on interest-charging overdrafts.
6.55%
Effective rate, new SME loans
The effective interest rate on new other loans to small and medium-sized enterprises was 6.55 per cent in the United Kingdom in September 2026.
Source: Monthly average of UK resident banks' sterling Weighted average interest rate - other loans - new advances to small and medium sized enterprises (in percent) not seasonally adjusted, Bank of England, September 2026
Not seasonally adjusted.
4.40%
Average rate, gross advances
The weighted average interest rate on gross residential loan advances was 4.398 per cent in the United Kingdom in the second quarter of 2026.
Source: Mortgage Lenders and Administrators Statistics, long run summary tables, Summary 1, Bank of England, Q2 2026
Not seasonally adjusted. Residential loans to individuals, regulated and non-regulated, reported by mortgage lenders and administrators.
5.43%
Two-year, 75% LTV Dec 2022
The average quoted interest rate on a two-year fixed-rate mortgage at 75 per cent loan to value was 5.43 per cent in the United Kingdom in December 2022.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (75% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, December 2022
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.
1.42%
Two-year, 75% LTV Dec 2019
The average quoted interest rate on a two-year fixed-rate mortgage at 75 per cent loan to value was 1.42 per cent in the United Kingdom in December 2019.
Source: Monthly interest rate of UK monetary financial institutions (excl. Central Bank) sterling 2 year (75% LTV) fixed rate mortgage to households (in percent) not seasonally adjusted, Bank of England, December 2019
Not seasonally adjusted. Monthly average of advertised (quoted) rates; the Bank states the advertised rates come from an independent service (Moneyfacts), weighted by lender volumes.