Compare the best remortgage rates in the UK for 2026. We track live mortgage rates daily from top UK lenders and alert you when switching saves you money — even after early repayment charges.
2-Year Fixed
4.5%
60% LTV · Lowest by true cost
£500k property
Source: Twenty7Tec
2-Year Tracker
4.44%
60% LTV · Lowest by true cost
£500k property
Source: Twenty7Tec
Bank of England Base Rate
3.75%
The rate that drives all UK mortgage pricing
Last Changed
18 December 2025
↓ Cut by 0.25%
was 4%
Next MPC Meeting
Thursday 5 November 2026
21 days away
Source: Bank of England IADB
Live remortgage rates from top UK lenders, updated daily — this is what we watch for you
2-Year Fixed
4.5%
3-Year Fixed
4.5%
5-Year Fixed
4.54%
2-Year Tracker
4.44%
3-Year Tracker
5.34%
5-Year Tracker
4.35%
Bank of England IADB · Monthly averages · Updated daily
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Monthly Saving
£33
£395 / year · £9,882 total interest saved
Repayment Type
Current Monthly
£1,584
at 4.00%
New Monthly
£1,551
at 3.80%
Monthly Saving
£33
£395 saved per year
Tell us about your mortgage and we'll calculate and alert you when a better deal appears.
If you're looking for the best remortgage rates in the UK for 2026, MortgageWatch makes it easy. We track live remortgage rates from top UK lenders every day, covering 2-year, 3-year, and 5-year fixed and tracker deals. Whether you're coming to the end of a fixed deal or want to switch from your lender's standard variable rate, our daily rate updates show you exactly what's available right now.
Remortgaging at the right time can save you hundreds of pounds a month. But rates change constantly, and the best deal today might not be available tomorrow. That's why MortgageWatch monitors the market for you automatically — enter your mortgage details once, and we'll alert you the moment a better remortgage rate appears that could save you money, even after accounting for early repayment charges and switch fees.
Our rate data comes directly from Bank of England statistics and live lender pricing, so you can trust the numbers you see. Best of all, it's completely free — no login, no registration, and you can unsubscribe from alerts at any time.