homeburgh.com — Compare UK bank interest rates

LIVE RATE TABLES

COMPARE THE LATEST RATES

Updated 10 July 2026

Bank	Product	Details	Initial rate
NationwideBEST	5-Year Fixed	5-yr fix · 60% LTV	3.98% Initial rate
HSBC	5-Year Fixed	5-yr fix · 60% LTV	4.04% Initial rate
Santander	5-Year Fixed	5-yr fix · 75% LTV	4.09% Initial rate
Halifax	2-Year Fixed	2-yr fix · 60% LTV	4.12% Initial rate
NatWest	2-Year Fixed	2-yr fix · 60% LTV	4.19% Initial rate
Barclays	2-Year Fixed	2-yr fix · 75% LTV	4.25% Initial rate

Representative rates for comparison only. Not financial advice. Always check the provider’s terms before applying.

THE BUILDING BLOCKS

EVERY MAJOR UK BANK, IN ONE INDEX

We track headline rates across the UK’s largest banks and challenger brands. Logos shown for identification — homeburgh.com is independent and not affiliated with these providers.

Logos are the property of their respective owners and are used for identification purposes only.

MARKET HEATMAP

YIELD VS BORROWING COST

Gross rental yield by area and property type, shaded by how far it sits above today’s representative mortgage rate of 4.19%. Greener = more headroom. Black = yield below borrowing cost.

Area	1-bed flat	2-bed flat	2-bed house	3-bed house	4-bed house
Bradford Yorkshire · avg £142k	7.9%	7.2%	6.8%	6.3%	6%
Sunderland North East · avg £138k	8.1%	7.4%	6.9%	6.1%	5.7%
Liverpool North West · avg £165k	7.5%	7%	6.5%	6%	5.6%
Leeds Yorkshire · avg £232k	6.4%	6%	5.6%	5.2%	4.9%
Manchester North West · avg £248k	6.2%	5.9%	5.4%	5%	4.6%
Nottingham Midlands · avg £210k	6.6%	6.1%	5.7%	5.3%	4.8%
Birmingham Midlands · avg £232k	6%	5.6%	5.2%	4.8%	4.4%
Bristol South West · avg £345k	5.1%	4.8%	4.4%	4%	3.7%
London Greater London · avg £530k	4.6%	4.2%	3.8%	3.3%	2.9%

+3pp or more

+2pp

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flat

below rate

Indicative sample data. Yields and rates vary; not financial advice. A live feed is on the roadmap.

PLAIN-ENGLISH GUIDES

KNOW BEFORE YOU BORROW

Short, jargon-free explainers on how UK rates actually work. General information only — not a personal recommendation.

MORTGAGES: FIX VS TRACKER

A fixed rate locks your monthly payment for a set term (e.g. 2 or 5 years); a tracker moves with the Bank of England base rate. Also weigh the loan-to-value (LTV) band and any arrangement fee, not just the headline rate.

COMPARE THE TRUE COST, NOT JUST THE RATE

CAR LOANS: APR IS THE NUMBER

For a personal loan the Representative APR bundles the interest and standard fees into one comparable figure — but only 51% of accepted applicants must get it, so your rate may differ. Shorter terms cost less overall even if the monthly payment is higher.

REPRESENTATIVE APR IS A GUIDE, NOT A GUARANTEE

SAVINGS: AER AND ACCESS

AER shows the yearly return with compounding. Easy-access rates can change any time; fixed-term bonds lock your money (and the rate) for the term. Check whether it is a cash ISA (tax-free) and the FSCS protection limit of GBP 85,000 per banking licence.

CHECK THE LICENCE, NOT JUST THE BRAND, FOR FSCS COVER

CREDIT CARDS: 0% WINDOWS

Intro 0% purchase or balance-transfer deals last a set number of months, then revert to the standard purchase APR. Balance transfers often carry a one-off fee. Always clear the balance (or move it) before the 0% window ends.

DIARISE THE DATE THE 0% PERIOD ENDS

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