UK Mortgage Market Update: September 2026

In this September 2026 mortgage market update, Dan Knott breaks down what’s happening in the UK mortgage and property market and mostimportantly, what it actually means if you’re trying to buy a home.
The Bank of England has held the Bank Rate at 3.75% but fixed mortgage rateshave been rising, with some lenders repricing their products significantly inrecent weeks.
So why are mortgage rates increasing when the Bank of England hasn’t increasedits rate?
Dan explains what’s happening with swap rates, inflation, lender pricing,and how this can affect your mortgage repayments and borrowing power.
We’ll also look at the latest UK house price figures, including what’shappening with property prices and the current level of choice available tobuyers.
In this episode:

• Bank of England interest rate update

• Why fixed mortgage rates are rising

• What swap rates have to do with your mortgage

• The latest two-year and five-year fixed rates

• UK house price movements

• Whether buyers currently have more negotiating power

• How rising mortgage rates affect affordability

• What first-time buyers should be thinking about right now

If you’re saving for your first home, already have amortgage agreement in principle or you’re simply trying to work out whether nowis the right time to buy, this episode will help you understand what’shappening behind the headlines.

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