The i - What will happen to mortgage rates in 2026, according to experts
Mortgage rates are expected to fall further over 2026, experts say, in good news for homeowners.
The cheapest fixed deals on the market currently sit at around 3.5 per cent but experts expect them to drop to perhaps 3 per cent or lower by the end of next year.
- Aaron Strutt, product and communications director at Trinity Financial: “The cheapest two-year fixes are currently just over 3.5 per cent and maybe they will be closer to 3 per cent this time next year if we have multiple base rate cuts. There is a fair chance they will be even lower but it is very difficult to predict. The gap between pricing for 40 per cent deposit and 25 per cent deposit mortgages has closed and as the lenders compete even harder to attract mortgage customers next year it will probably get even smaller.”
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