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Source document· January 22, 2026

NatWest and Halifax cut mortgage costs

View original at uk.finance.yahoo.com
NatWest and Halifax cut mortgage costs NatWest (NWG.L) and Halifax have both cut mortgage rates this week, while Nationwide (NBS.L) will allow buyers to borrow up to six times their income, fuelling expectations of a "booming market" in 2026…
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  • The average five-year fixed deal came in at 4.99%, a drop from the previous 5%

    80% confidence

  • It supports borrowers who are constrained by income multiples rather than the monthly cost, and shows how lenders are adapting to the reality of today's housing market

    80% confidence

  • The average rate for a two-year fixed mortgage came in at 4.49% this week

    80% confidence

  • The change to withdraw 60% LTV products was part of a reprice following the changes to swaps after the Bank of England held interest rates

    80% confidence

  • Nationwide extending six times income lending beyond first time buyers is a positive step, particularly as the first wave of Helping Hand customers starts to look at their next move

    80% confidence

  • With the right advice, borrowers can use that flexibility to move sooner and secure a deal that fits both the immediate need and the longer-term plan

    80% confidence

Data points we hold from this source

Barclays · five year mortgage rate3.79 percent
Barclays · two year mortgage rate3.57 percent
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