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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


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

Cape Town

Regent Square
Doncaster Road
Kenilworth 7708 +27 (0) 21 657 2120


25 Richefond Circle
Umhlanga 4320 +27 (0) 31 536 8843

United Kingdom


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


5-7 Selsdon Road
South Croydon
CR2 6PU +44 (0) 20 7759 7581



9 Yarra Street
South Yarra
VIC 3141 +613 (0) 8651 4500

Sable International is a trading name of 1st Contact Money Limited (company number 07070528), registered in England and Wales. We are authorised and regulated by the Financial Conduct Authority in the UK (FCA no. 517570), the Financial Services Conduct Authority in South Africa (1st Contact Money [PTY] Ltd - FSP no. 41900) and hold an Australian Financial Services License issued by ASIC to deal in foreign exchange (1st Contact Group - AFS License number 335 126).

Our United Kingdom business, Sable Private Wealth Management Ltd, is authorised and regulated by the Financial Conduct Authority. Our Companies House registration number is 222501. Our authorisation can be checked on the FCA register here: Our South African business, Sable Private Wealth (Pty) Ltd, is an authorised FSP, regulated by the Financial Services Conduct Authority under licence number 48122.

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