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Interest rate curves

Our rate curves are updated weekly. They should give you an idea of how mortgage pricing is affected by the duration of the mortgage as well as the loan-to-value ratio (LTV).

Mortgage pricing at different levels can be a key element in the mortgage advice process, as one decides on the trade-off of more or less deposit and the related mortgage cost.  

The curves below have been generated based on a first-time buyer purchasing a £400,000 property. 

Choose your LTV and rate preferences

Loan To Value (LTV)
60 70 75 80 85 90
Fixed
Variable

 

A note on yield curves

These interest rate curves are driven primarily by interest expectations in the market. These expectations are best illustrated by yield curves. 
 
Yield curves show the interest rates, or yields, of government bonds with different maturation dates. Government bonds are heavily traded, highly liquid instruments. They operate as the primary collateral for transactions between banks. They are also the mechanism for monetary policy in the economy and illustrate the "mind of the market" around the issue of interest rate expectations. 
 
Yield curves drive the retail mortgage market pricing through the interest rate swap market. However, that transmission mechanism has a lag. Changes to yield curves can be a lead indicator for changes to mortgage market pricing. When we advise you on your mortgage, we are always comparing yield curves against mortgage pricing to get a feel for pricing opportunities. 

Contact our mortgages team

Phone us: +44 (0) 20 7759 7519

South Africa

Regent Square
Doncaster Road
Kenilworth 7708
Cape Town
t: +27 (0) 21 657 2120

United Kingdom

Castlewood House
77/91 New Oxford Street
London
WC1A 1DG
t: +44 (0) 20 7759 7514

Australia

Suite 8.06
9 Yarra Street
South Yarra
Melbourne VIC 3141
t: +613 (0) 86 514 500

Hong Kong

Level 1102
The Lee Gardens
33 Hysan Avenue
Causeway Bay, Hong Kong
t: +852 3959 8681

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