Mortgage Rates.

Date Published 19 January 2026

Mortgage Rates are uncertain at the moment, however we are seeing rates starting as low as 3.55% depending on your deposit or equity.

While some rates have come down over the last few months, some lenders have held or even increased them.

With this in mind it is more important than ever to taker advice on your mortgage needs.

We are able to secure you a deal to beat any potential rate increases with the peace of mind that this will be monitored and switched should a better deal become available.

There is also great news from an affordability point of view, especially for first time buyers where Lenders are being more generous than previous years and allowing you to look at borrowing more enabling more people to take those first steps.

As whole of market brokers we would welcome the opportunity to find you the best deal tailored to your specific needs whether this is as a home mover, first time buyer or looking to re mortgage to a new deal.

NB Remember your home is at risk if you do not keep up with your repayments.

If you would like to talk to our mortgage consultant please either email us at admin@ableestates.com or call us on 01322 400222 - option 1.