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Bank of England Interest Rates
Current Bank of England Interest Rate: 3.75%
Bank of England Bank Rate Trends
Latest mortgage best buys
Based on a mortgage of £125,000 at 50% LTV
| Provider | Details | Initial rate | Overall cost for comparison |
|---|---|---|---|
| NatWest | Fixed to 30/11/27 | 3.73% then 6.99% (variable) | 6.3% APRC Learn more → |
| HSBC | Fixed to 30/09/27 | 3.78% then 6.74% (variable) | 6.2% APRC Learn more → |
| NatWest | Fixed to 30/11/27 | 3.78% then 6.99% (variable) | 6.4% APRC Learn more → |
Latest Buy to Let mortgage best buys
Based on a mortgage of £125,000 at 50% LTV
| Provider | Details | Initial rate | Overall cost for comparison |
|---|---|---|---|
| West One | Fixed for 2 years | 1.69% then 8.99% (variable) | 7.5% APRC Learn more → |
| CHL | Fixed for 2 years | 2.35% then 8.99% (variable) | 7.6% APRC Learn more → |
| Zephyr | Fixed for 2 years | 2.44% then 8.90% (variable) | 7.6% APRC Learn more → |
Insights from Our Mortgage and Protection Advisers
- Questions to ask a mortgage adviser before you applyIntroduction Choosing a mortgage is one of the biggest financial decisions you’ll ever make. Speaking to a mortgage adviser can save you time, money, and… Read more: Questions to ask a mortgage adviser before you apply
- Income protection insurance — how it works for mortgage paymentsIntroduction Your mortgage is often your biggest monthly expense. But what happens if illness, injury, or an unexpected health condition stops you from working?This is… Read more: Income protection insurance — how it works for mortgage payments
- Critical Illness Cover: Is It Worth It for Homeowners?Introduction Buying a home is one of the biggest financial commitments you will make. While a mortgage protects your path to homeownership, it also comes… Read more: Critical Illness Cover: Is It Worth It for Homeowners?
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“AAI Financials guided me through every step, securing an excellent mortgage rate and handling paperwork efficiently. Professional, responsive, and genuinely caring throughout the process from start to finish.”
“AAI Financials guided me through every step, securing an excellent mortgage rate and handling paperwork efficiently. Professional, responsive, and genuinely caring throughout the process from start to finish.”
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“As a first-time buyer, their team explained options clearly, answered every question, and found a competitive deal. I felt supported, confident, and informed at every stage.”
“As a first-time buyer, their team explained options clearly, answered every question, and found a competitive deal. I felt supported, confident, and informed at every stage.”
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“They compared lenders thoroughly and saved me a significant amount on my mortgage. Communication was prompt, honest, and helpful — I recommend AAI Financials without hesitation.”
“They compared lenders thoroughly and saved me a significant amount on my mortgage. Communication was prompt, honest, and helpful — I recommend AAI Financials without hesitation.”
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“Friendly, knowledgeable advisors who tailored solutions to my needs. They arranged protection cover too, making sure my family’s future is secure while keeping the process straightforward.”
“Friendly, knowledgeable advisors who tailored solutions to my needs. They arranged protection cover too, making sure my family’s future is secure while keeping the process straightforward.”
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“Efficient service, great rates, and excellent support throughout. They managed negotiations and paperwork seamlessly, saving me time and stress during a usually overwhelming process overall.”
“Efficient service, great rates, and excellent support throughout. They managed negotiations and paperwork seamlessly, saving me time and stress during a usually overwhelming process overall.”
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“Professional advice, transparent fees, and timely updates made all the difference. AAI Financials delivered tailored mortgage solutions and reliable protection guidance I could completely trust.”
“Professional advice, transparent fees, and timely updates made all the difference. AAI Financials delivered tailored mortgage solutions and reliable protection guidance I could completely trust.”