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BBC News - Mortgages under 4% are back but dangers lurk for borrowers

Apr 27 2025

All major UK lenders are now offering fixed mortgage deals with an interest rate of less than 4%, but brokers say further cuts are not guaranteed.

A mini price war has broken out between mortgage providers, although many of the lowest-rate deals still require borrowers to provide a hefty deposit and a substantial fee.

"If the base rate does come down then there is a chance fixes could get a bit cheaper but there are no guarantees," said Aaron Strutt, from broker Trinity Financial to the BBC.

"More borrowers are taking two-year fixes on the assumption rates will reduce but many may be better off taking longer term fixes for the payment security."

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BBC News - Mortgages under 4% are back but dangers lurk for borrowers

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