TMG Weekly Rate Watch — The Mortgage Geezer

Updated Every Monday

TMG Weekly Rate Watch

The best mortgage deals in the market — curated by Darryl

📅 Last updated: Week commencing 11th May 2026 · Next update: 18th May 2026

Bank of England Base Rate

3.75%

Held at latest MPC decision · Next decision: 18th June 2026

🏠 Best First-Time Buyer Rates

Nationwide 🔥 Hot

5-year fix · 95% LTV · No Fees · Free Valuation

5.34%

No fee

Virgin Money

5-year fix · 90% LTV · No Fees · Free Valuation

4.94%

No fee

Virgin Money

5-year fix · 85% LTV · No Fees · Free Valuation

4.79%

No fee

🔄 Best Remortgage Rates

HSBC 🔥 Hot

5-year fix · 60% LTV · Free Valuation + Legal

4.84%

No fee

HSBC

5-year fix · 75% LTV · Free Valuation + Legal

4.74%

£999 fee

HSBC

5-year fix · 70% LTV · Free Valuation + Legal

4.74%

£999 fee

🏢 Best Buy-to-Let Rates

BM Solutions 🔥 Hot

5-year fix · 65% LTV · Free Valuation + Legal

4.63%

£1,950 fee

HSBC

5-year fix · 75% LTV · Free Valuation + Legal

4.99%

No fee

Darryl's tip this week: With the base rate held again, lenders are competing hard on 5-year fixes. If your deal expires in the next 6 months, now is an excellent time to lock in — you can secure a rate today with no obligation. Call me and I'll check if you can do better than what's shown here.

Want your personalised rate?

These are market rates — your actual rate depends on your deposit, credit and income. Book a free call and I'll search 90+ lenders for your exact situation.

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