Mortgage Rates

Aldermore Mortgage Rates - October 2026

Current Aldermore residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Aldermore mortgage

DBF Product Transfer System

If you decide to stay with Aldermore at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Aldermore is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	4.59%	4.89%	5.29%
5-Year Fixed	4.49%Best	4.79%	5.19%
2-Year Tracker	5.89%	–%	–%
Standard Variable Rate (SVR)	8.49%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.79%	5.09%
5-Year Fixed BTL	4.69%Best	4.99%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	4.44%	Cashback available
5-Year Fixed Product Transfer	4.39%	Cashback available

About Aldermore

Aldermore is a specialist challenger bank that focuses on customers underserved by mainstream lenders, including self-employed borrowers, those with complex income, and landlords with larger portfolios. Founded in 2009, Aldermore has grown into one of the UK's most versatile specialist lenders, with a particularly strong offering for limited company buy-to-let and HMO mortgages.

Aldermore's underwriting approach is manual and case-by-case, making them an excellent option where income is irregular, credit history has historic blips, or the property type falls outside standard criteria. They serve both residential and buy-to-let markets, and are a go-to lender for contractors assessed on day rate, portfolio landlords, and applicants with recent changes in employment status.

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Tell us about your mortgage and we will compare Aldermore's current rates against the whole market - free, fast and with no obligation.

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FAQs

Frequently asked questions

What is Aldermore's best mortgage rate in October 2026?

Aldermore's best rate in October 2026 is around 4.49% on a 5-year fixed at 60% LTV for residential borrowers. Specialist applicants may see higher rates reflecting their underwriting approach.

Can I get cashback on a Aldermore product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Aldermore on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Aldermore.

Is it faster to renew my Aldermore mortgage through a broker?

DBF's product transfer system can process Aldermore renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Aldermore remains competitive.

What is Aldermore's SVR in October 2026?

Aldermore's Standard Variable Rate in October 2026 is approximately 8.49%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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