Current UK Finance Rates - October 2026
Every rate we publish, on one page. Reviewed monthly against lender product sheets, with the date each figure was last verified carried on the guide itself.
Doulton publishes more than 130 rate guides, reviewed monthly and sourced from lender product sheets. As of October 2026: bridging from 0.55% per month (market average 0.81%), residential mortgages from 4.69% on a two-year fix, buy-to-let five-year fixes from 5.02%, development finance from 8.8% per annum, business loans from 6.0% APR and asset finance from 5.0% APR. The Bank of England base rate is 3.75%, held on 17 September 2026.
Rates by product
Bridging
All bridging guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Auction Finance Rates | 0.65%-1.20%/mo |
| Bridging Loan Rates | from 0.55%/mo |
| Bridging Loan Rates by Lender | named lender table |
| Bridging Rates Scotland | from 0.55%/mo |
| Business Bridging Loan Rates | from 0.65%/mo |
| Commercial Bridging Loan Rates | from 0.75%/mo |
| Refurbishment Bridging Rates | from 0.75%/mo |
| Regulated Bridging Rates | from 0.65%/mo |
| Chain Break Bridging Rates | from 0.55%/mo |
| Bridging Loan Rates by LTV | 0.55%-1.25%/mo |
| Large Bridging Loan Rates | from c.0.50%/mo |
| Second Charge Bridging Rates | from 0.85%/mo |
| Bridging Loan Extension & Default Rates | Fee c.1% of loan |
| Commercial-to-Residential Conversion Rates | from 0.85%/mo |
| London Bridging Loan Rates | from 0.55%/mo |
Bridging rate guides, October 2026: Auction Finance Rates (0.65%-1.20%/mo), Bridging Loan Rates (from 0.55%/mo), Bridging Loan Rates by Lender (named lender table), Bridging Rates Scotland (from 0.55%/mo), Business Bridging Loan Rates (from 0.65%/mo), Commercial Bridging Loan Rates (from 0.75%/mo), Refurbishment Bridging Rates (from 0.75%/mo), Regulated Bridging Rates (from 0.65%/mo), Chain Break Bridging Rates (from 0.55%/mo), Bridging Loan Rates by LTV (0.55%-1.25%/mo), Large Bridging Loan Rates (from c.0.50%/mo), Second Charge Bridging Rates (from 0.85%/mo), Bridging Loan Extension & Default Rates (Fee c.1% of loan), Commercial-to-Residential Conversion Rates (from 0.85%/mo), London Bridging Loan Rates (from 0.55%/mo).
Development
All development guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Development Exit Bridge Rates | 0.75%-1.10%/mo |
| Development Finance Rates | from 8.8% p.a. |
| Land Finance Rates | from 0.70%/mo |
| Mezzanine Finance Rates | 12%-18% p.a. |
| Development Finance Costs | From 8.8% p.a. |
| First-Time Developer Finance Rates | 9.5%-12% p.a. |
| Development Finance Rates by LTGDV | 8.8%-11%+ p.a. |
| 100% Development Finance & JV Funding | JV: 40%-60% profit |
| Stretched Senior Development Finance Rates | c.10.5%-12% p.a. |
| Development Finance Lenders Compared | named lender table |
| London Development Finance Rates | From 8.8% p.a. |
| Large Development Finance Rates | £5m+, case by case |
| Residential Development Finance Rates | From 8.8% p.a. |
| Bridging vs Development Finance Costs | From 8.8% p.a. |
| Commercial Development Finance Rates | 9.5%-12% p.a. |
| Self-Build Mortgage Rates | 5.5%-7.0% |
Development rate guides, October 2026: Development Exit Bridge Rates (0.75%-1.10%/mo), Development Finance Rates (from 8.8% p.a.), Land Finance Rates (from 0.70%/mo), Mezzanine Finance Rates (12%-18% p.a.), Development Finance Costs (From 8.8% p.a.), First-Time Developer Finance Rates (9.5%-12% p.a.), Development Finance Rates by LTGDV (8.8%-11%+ p.a.), 100% Development Finance & JV Funding (JV: 40%-60% profit), Stretched Senior Development Finance Rates (c.10.5%-12% p.a.), Development Finance Lenders Compared (named lender table), London Development Finance Rates (From 8.8% p.a.), Large Development Finance Rates (£5m+, case by case), Residential Development Finance Rates (From 8.8% p.a.), Bridging vs Development Finance Costs (From 8.8% p.a.), Commercial Development Finance Rates (9.5%-12% p.a.), Self-Build Mortgage Rates (5.5%-7.0%).
Mortgages
All mortgages guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Bad Credit Mortgage Rates | from 4.89% |
| Buy to Let Mortgage Rates | 5yr from 5.02% |
| Commercial Mortgage Rates | 6.0%-9.5% p.a. |
| HMO Mortgage Rates | 5yr from c.5.2% |
| Holiday Let Mortgage Rates | from 5.69% |
| Ltd Company BTL Mortgage Rates | 5.50%-6.20% |
| Portfolio Landlord Mortgage Rates | 4.65%-5.65% |
| Remortgage Rates | 2yr fix from 4.88% |
| Residential Mortgage Rates | 2yr fix from 4.69% |
| Second Charge Mortgage Rates | 7.5%-14% APR |
| Self-Employed Mortgage Rates | from 4.69% |
| Fixed vs Tracker Mortgage Rates | 4.69% vs 3.99% |
| 5 Year Fixed Mortgage Rates | from 4.86% |
| First-Time Buyer Mortgage Rates | from 4.69% |
| DBF Rate Monitor October 2026 | fixes up c.0.37% |
| Let to Buy Mortgage Rates | BTL from 5.02% |
| Mixed-Use & Semi-Commercial Rates | from 0.95%/mo |
| MUFB Mortgage Rates | from c.5.5% |
| Green Mortgage Rates | c.0.10% discount |
Mortgages rate guides, October 2026: Bad Credit Mortgage Rates (from 4.89%), Buy to Let Mortgage Rates (5yr from 5.02%), Commercial Mortgage Rates (6.0%-9.5% p.a.), HMO Mortgage Rates (5yr from c.5.2%), Holiday Let Mortgage Rates (from 5.69%), Ltd Company BTL Mortgage Rates (5.50%-6.20%), Portfolio Landlord Mortgage Rates (4.65%-5.65%), Remortgage Rates (2yr fix from 4.88%), Residential Mortgage Rates (2yr fix from 4.69%), Second Charge Mortgage Rates (7.5%-14% APR), Self-Employed Mortgage Rates (from 4.69%), Fixed vs Tracker Mortgage Rates (4.69% vs 3.99%), 5 Year Fixed Mortgage Rates (from 4.86%), First-Time Buyer Mortgage Rates (from 4.69%), DBF Rate Monitor October 2026 (fixes up c.0.37%), Let to Buy Mortgage Rates (BTL from 5.02%), Mixed-Use & Semi-Commercial Rates (from 0.95%/mo), MUFB Mortgage Rates (from c.5.5%), Green Mortgage Rates (c.0.10% discount).
New Build
All new build guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Shared Ownership Mortgage Rates | from 4.69% |
| New Build Mortgage Rates | 2yr fix from 4.69% |
New Build rate guides, October 2026: Shared Ownership Mortgage Rates (from 4.69%), New Build Mortgage Rates (2yr fix from 4.69%).
Later Life
All later life guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Equity Release Rates | 6.2%-7.5% AER |
| Later Life Mortgage Rates | from c.4.9% |
| RIO Mortgage Rates | 5.0%-6.0% |
| Mortgage Rates by Age | from 4.69% |
| Equity Release Rates by Age | 6.2%-7.5% AER |
| Lifetime Mortgage Rates | 6.2%-7.5% AER |
| Interest-Only Mortgage Ending: Options & Rates | RIO 5.0%-6.0% |
| RIO vs Lifetime Mortgage Rates | RIO saves c.£112k |
| Drawdown Lifetime Mortgage Rates | 6.2%-7.5% AER |
| Retirement Mortgage Rates | from c.4.9% |
| Downsizing Bridging Loan Rates | from 0.65%/mo |
| Equity Release Rates for High-Value Homes | £1m+ homes |
| Enhanced Equity Release Rates | 6.2%-7.5% AER |
| Interest-Paying Lifetime Mortgage Rates | 6.2%-7.5% AER |
| Equity Release Switching Rates | save c.£6,700 |
| Care Fees Bridging Loan Rates | from 0.65%/mo |
| Later Life Buy-to-Let Mortgage Rates | from c.5.0% |
Later Life rate guides, October 2026: Equity Release Rates (6.2%-7.5% AER), Later Life Mortgage Rates (from c.4.9%), RIO Mortgage Rates (5.0%-6.0%), Mortgage Rates by Age (from 4.69%), Equity Release Rates by Age (6.2%-7.5% AER), Lifetime Mortgage Rates (6.2%-7.5% AER), Interest-Only Mortgage Ending: Options & Rates (RIO 5.0%-6.0%), RIO vs Lifetime Mortgage Rates (RIO saves c.£112k), Drawdown Lifetime Mortgage Rates (6.2%-7.5% AER), Retirement Mortgage Rates (from c.4.9%), Downsizing Bridging Loan Rates (from 0.65%/mo), Equity Release Rates for High-Value Homes (£1m+ homes), Enhanced Equity Release Rates (6.2%-7.5% AER), Interest-Paying Lifetime Mortgage Rates (6.2%-7.5% AER), Equity Release Switching Rates (save c.£6,700), Care Fees Bridging Loan Rates (from 0.65%/mo), Later Life Buy-to-Let Mortgage Rates (from c.5.0%).
Expat & International
All expat & international guides →Swipe the table sideways to see every column.
Expat & International rate guides, October 2026: Expat Mortgage Rates UK (5yr from c.5.0%), Foreign National Mortgage Rates (from 4.69%), Non-Resident UK Mortgage Rates (from c.5.0%), Expat Mortgage Rates by Country (41 countries), Expat Mortgage Rates: UAE (from c.5.0%), Expat Mortgage Rates: Saudi Arabia (from c.5.0%), Expat Mortgage Rates: Qatar (from c.5.0%), Expat Mortgage Rates: Kuwait (from c.5.0%), Expat Mortgage Rates: Bahrain (from c.5.0%), Expat Mortgage Rates: Oman (from c.5.0%), Expat Mortgage Rates: Singapore (from c.5.0%), Expat Mortgage Rates: Hong Kong (from c.5.0%), Expat Mortgage Rates: Japan (from c.5.0%), Expat Mortgage Rates: China (Specialist pricing), Expat Mortgage Rates: India (Specialist pricing), Expat Mortgage Rates: Malaysia (Specialist pricing), Expat Mortgage Rates: Thailand (Specialist pricing), Expat Mortgage Rates: Indonesia (Specialist pricing), Expat Mortgage Rates: South Korea (from c.5.0%), Expat Mortgage Rates: Australia (from c.5.0%), Expat Mortgage Rates: New Zealand (from c.5.0%), Expat Mortgage Rates for USA Residents (from c.5.0%), Expat Mortgage Rates for Canada Residents (from c.5.0%), Expat Mortgage Rates for Brazil Residents (BRL haircut 20-25%), Expat Mortgage Rates for South Africa Residents (ZAR haircut 20-25%), Expat Mortgage Rates for Israel Residents (ILS haircut 15-20%), Expat Mortgage Rates for Turkey Residents (TRY haircut 25%+), Expat Mortgage Rates for France Residents (from c.5.0%), Expat Mortgage Rates for Spain Residents (from c.5.0%), Expat Mortgage Rates for Portugal Residents (from c.5.0%), Expat Mortgage Rates for Italy Residents (from c.5.0%), Expat Mortgage Rates for Germany Residents (from c.5.0%), Expat Mortgage Rates for Netherlands Residents (from c.5.0%), Expat Mortgage Rates for Belgium Residents (from c.5.0%), Expat Mortgage Rates for Ireland Residents (from c.5.0%), Expat Mortgage Rates for Austria Residents (from c.5.0%), Expat Mortgage Rates for Denmark Residents (from c.5.0%), Expat Mortgage Rates for Sweden Residents (from c.5.0%), Expat Mortgage Rates for Cyprus Residents (from c.5.0%), Expat Mortgage Rates for Malta Residents (from c.5.0%), Expat Mortgage Rates for Switzerland Residents (from c.5.0%), Expat Mortgage Rates for Norway Residents (from c.5.0%), Expat Mortgage Rates for Channel Islands Residents (from c.5.0%), Expat Mortgage Rates for Isle of Man Residents (from c.5.0%), Expat Mortgage Rates for Gibraltar Residents (from c.5.0%).
Business Finance
All business finance guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Business Loan Rates | from 6.0% APR |
| Invoice Finance Rates | 6.75%-9.75% + fee |
| Merchant Cash Advance Rates | factor 1.10-1.50 |
| Revolving Credit Facility Rates | 6.25%-9.25% |
Business Finance rate guides, October 2026: Business Loan Rates (from 6.0% APR), Invoice Finance Rates (6.75%-9.75% + fee), Merchant Cash Advance Rates (factor 1.10-1.50), Revolving Credit Facility Rates (6.25%-9.25%).
Asset Finance
All asset finance guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| Aircraft Finance Rates | 5.5%-12% APR |
| Asset Finance Rates | 5.0%-9.5% APR |
| Classic Car Finance Rates | 5.5%-8.5% APR |
| Crane Finance Rates | 5.0%-7.5% APR |
| Finance Lease Rates | 5.5%-9.5% APR |
| HGV Finance Rates | 5.5%-8.0% APR |
| Hire Purchase Rates | 5.5%-9.5% APR |
| Marine Finance Rates | 5.0%-8.0% APR |
| Motorhome Finance Rates | 5.0%-7.5% APR |
| Supercar Finance Rates | 5.5%-8.5% APR |
| Sale & Leaseback Finance Rates | 6.5%-10% APR |
| Tractor & Agricultural Finance Rates | 5.5%-8.5% APR |
| Asset Refinance Rates | 6.5%-10% APR |
Asset Finance rate guides, October 2026: Aircraft Finance Rates (5.5%-12% APR), Asset Finance Rates (5.0%-9.5% APR), Classic Car Finance Rates (5.5%-8.5% APR), Crane Finance Rates (5.0%-7.5% APR), Finance Lease Rates (5.5%-9.5% APR), HGV Finance Rates (5.5%-8.0% APR), Hire Purchase Rates (5.5%-9.5% APR), Marine Finance Rates (5.0%-8.0% APR), Motorhome Finance Rates (5.0%-7.5% APR), Supercar Finance Rates (5.5%-8.5% APR), Sale & Leaseback Finance Rates (6.5%-10% APR), Tractor & Agricultural Finance Rates (5.5%-8.5% APR), Asset Refinance Rates (6.5%-10% APR).
Tax Finance
All tax finance guides →Swipe the table sideways to see every column.
| Product | Rate from |
|---|---|
| CGT Payment Bridging Rates | 0.65%-0.90%/mo |
| Corporation Tax Bridging Rates | 0.65%-0.90%/mo |
| IHT Bridging Rates | 0.65%-0.85%/mo |
| Self-Assessment Bridging Rates | 0.65%-0.85%/mo |
| VAT Bridging Rates | 0.65%-0.90%/mo |
Tax Finance rate guides, October 2026: CGT Payment Bridging Rates (0.65%-0.90%/mo), Corporation Tax Bridging Rates (0.65%-0.90%/mo), IHT Bridging Rates (0.65%-0.85%/mo), Self-Assessment Bridging Rates (0.65%-0.85%/mo), VAT Bridging Rates (0.65%-0.90%/mo).
How to read these rates
Every “from” rate on this page is the best case: lowest loan-to-value, meaning the largest deposit, cleanest credit, most straightforward security, and an exit the lender can evidence. Most real cases price above it.
On bridging, the advertised 0.55% per month applies to prime residential under 55% LTV. The latest market average is 0.81% per month (Bridging Trends). Treat the “from” figure as the floor of the range, not the expected outcome.
What moves a rate
Six factors do most of the work, in roughly this order: loan-to-value, which is the same thing as how much deposit or equity you hold; the quality and type of the security property; your credit history and how recent any problems are; how the income is evidenced, which matters most for self-employed and complex income; the loan size, since very small and very large loans both narrow the lender pool; and the exit, meaning how you intend to repay, which on short-term finance matters more than anything else on this list.
Rate versus total cost
A rate is not a price. Arrangement fees of 1% to 2%, valuation fees of £300 to £1,500 and legal fees of £1,500 to £3,000 all sit on top, and on shorter loans they can outweigh a rate difference entirely.
A 4.69% mortgage with a £1,124 fee costs more than a slightly higher-rate no-fee product on a small enough balance. Every rate guide below carries a worked total-cost example for this reason.
Review cycle
Rate guides are reviewed monthly against lender product sheets and published market data. Where a figure has not moved since the last review, the review date changes and the figure does not. Individual rates carry their own verification date and source on the guide page.
Frequently asked questions
What is the Bank of England base rate now?
The Bank of England held Bank Rate at 3.75% on 17 September 2026, its sixth consecutive hold, but three of nine MPC members voted to raise it to 4.0%. The Committee warned policy may have to tighten if the Middle East conflict persists.
Will UK interest rates fall in 2026?
Not on current signals. The September 2026 hold was a 6-3 vote with the dissent on the upside rather than the downside, and the 2-year swap rate rose from 4.26% on 3 September to above 4.70% by mid-month. Markets expect a hold or a rise at the 5 November decision, and fixed mortgage pricing already reflects that.
Why is the rate I am quoted higher than the rate advertised?
Advertised “from” rates are the best case: lowest loan-to-value, clean credit, standard construction, straightforward income and an evidenced exit. Change any one of those and the price moves. On bridging the gap between the advertised floor and the market average is roughly 0.26% per month.
How often do these rates change?
We review every rate guide monthly against lender product sheets. Bridging and development pricing moves in steps when lenders reprice, which can be weekly. Mortgage best buys can change within a day of a swap rate move.
Do brokers get better rates than going direct?
Sometimes, and more often on specialist lending than on high street mortgages. A large part of the specialist market is intermediary-only, so those products are not available direct at any price. On mainstream residential the direct and intermediary prices are frequently identical and the value is in placement rather than price.
What is the difference between a rate quoted per month and per year?
Short-term property finance is priced per month because the term is short and variable. 0.75% per month is roughly 9% per annum before compounding. Mortgages, development finance and business loans are quoted per annum or as an APR. Comparing a monthly rate against an annual one without converting is the most common costing mistake we see.
What fees come on top of the rate?
Typically an arrangement fee of 1% to 2% of the loan, a valuation fee of £300 to £1,500 depending on property value, legal fees of £1,500 to £3,000 covering both sides, and on some products an exit fee. Every rate guide carries a worked example with the fees included.
How quickly can I get indicative terms?
Same working day on a straightforward case sent before mid-afternoon. We need the amount, the security, the purpose and the exit. Complex cases, unusual security or overseas income can take 48 hours because more than one lender needs to look at it.
Get a rate for your own case
The figures above are indicative and describe the best case. Send us the scenario and we will come back the same working day with terms from the lenders that actually fit it. No upfront fees on loans over £1m.