Mortgage content: Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

2026 Mortgage Market Update: Are Rates Finally Falling 

After a period of high borrowing costs, 2026 is bringing early signs of relief for UK homeowners. With average two-year fixed rates falling to 4.23% and monthly payments dropping by roughly 7% year-on-year, we explore the latest data from the Bank of England and what this shifting landscape means for your next mortgage move.