Mortgage interest rates gradually declined for much of 2025. Here's what you can expect to be offered right now.

Mortgage rates are the interest rates charged by the mortgage holder, typically a bank, to the borrower, typically a homeowner. Mortgage rates have a significant impact on home prices, monthly mortgage payments, and the health of the overall housing market.

Bank statement loans are expanding mortgage options for self-employed buyers and homeowners, offering flexible income qualification as interest rates move closer to 2025 lows.

HUNDREDS of thousands of homeowners could save money by switching their mortgage deals early – without paying a fee. Three lenders are letting customers move onto cheaper deals up to four

Big lenders have launched into 2026 by cutting rates with HSBC and Barclays leading the charge this week. On Monday HSBC announced it was reducing prices on residential and buy-to-let fixed-rate mortgages. Today, Barclays and Halifax have made reductions to a range of their fixed mortgage rates too.

Mortgage lender Avant Money has announced a series of measures relating to its mortgage offering. Fixed mortgage rates have been reduced by up to 0.35%, the company said.

Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

In other words, you create a lot of housing all of a sudden, and it drives the housing prices down,” Trump said last month. “So I want to take care of the people that have