Mortgage rate news Every lender’s cuts and increases.
This week 5 lenders changed their rates: 23 rates cut, 51 raised, 97 new deals and 101 deals withdrawn, the newest Skipton on 12 November 2026. Every change the 11 lenders we read make to their rates for buying a home, the morning after, with the old and new rate. Bank Rate is 4%, raised from 3.75% on 5 November 2026; the Bank’s next decision is due on 17 December 2026.
- Rates cut this week
- 23
- Rates raised this week
- 51
- Lenders read nightly
- 11
- Last read
- 12 Nov 2026
Mortgage rate cuts and increases this week
In the seven days to 12 November 2026, 5 lenders changed the rates they publish for buying a home: 23 rates cut, 51 raised, 97 new deals and 101 deals withdrawn. Each read from the lender’s own site the night it changed, newest first.
Show all 58 changes
| Lender and deal | Read on | Loan to value | Was | Now | Change |
|---|---|---|---|---|---|
| Skipton2 Years Tracker, 2-year tracker | 12 Nov 2026 | 60% to 95% | 4.29% to 5.19% | 4.54% to 5.44% | Up 0.25points |
| NatWest2 year fixed rate, 2-year fixed | 12 Nov 2026 | 60% to 95% | New | 4.92% to 5.75% | New deal |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 12 Nov 2026 | 60% to 85% | New | 4.87% to 5.18% | New deal |
| NatWest5 year fixed rate, 5-year fixed | 12 Nov 2026 | 60% to 95% | New | 4.92% to 5.68% | New deal |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 12 Nov 2026 | 60% to 85% | New | 4.87% to 5.12% | New deal |
| Skipton2 Years Fixed, 2-year fixed | 12 Nov 2026 | 60% to 95% | New | 5.08% to 5.97% | New deal |
| Skipton3 Years Fixed, 3-year fixed | 12 Nov 2026 | 60% to 95% | New | 5.21% to 5.88% | New deal |
| Skipton5 Years Fixed, 5-year fixed | 12 Nov 2026 | 60% to 100% | New | 5.01% to 6.34% | New deal |
| NatWest2 year fixed rate, 2-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 12 Nov 2026 | 60% to 85% | On its page | Not on its page | Withdrawn |
| NatWest5 year fixed rate, 5-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 12 Nov 2026 | 60% to 85% | On its page | Not on its page | Withdrawn |
| Skipton2 Years Fixed, 2-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| Skipton3 Years Fixed, 3-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| Skipton5 Years Fixed, 5-year fixed | 12 Nov 2026 | 60% to 100% | On its page | Not on its page | Withdrawn |
| Barclays2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 95% | 5.71% | 5.66% | Cut 0.05points |
| Barclays2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 90% | 5.62% | 5.42% | Cut 0.20points |
| Barclays2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 85%, 90% | 5.48% to 5.49% | 5.29% to 5.30% | Cut 0.19points |
| Barclays2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 85% | 5.61% | 5.40% | Cut 0.21points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 95% | 5.69% | 5.64% | Cut 0.05points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 90% | 5.63% | 5.28% | Cut 0.35points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 90% | 5.33% | 5.20% | Cut 0.13points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 85% | 5.55% | 5.27% | Cut 0.28points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 80% | 5.48% | 5.26% | Cut 0.22points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 75% | 5.45% | 5.11% | Cut 0.34points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 75% | 5.30% | 4.98% | Cut 0.32points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 60% | 5.14% | 5.02% | Cut 0.12points |
| Barclays5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 60% | 4.99% | 4.92% | Cut 0.07points |
| BarclaysGreen Home 2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 90% | 5.52% | 5.32% | Cut 0.20points |
| BarclaysGreen Home 2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 85% | 5.51% | 5.30% | Cut 0.21points |
| BarclaysGreen Home 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 85% | 5.45% | 5.17% | Cut 0.28points |
| BarclaysGreen Home 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 75% | 5.20% | 4.88% | Cut 0.32points |
| BarclaysGreen Home 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 60% | 4.89% | 4.82% | Cut 0.07points |
| BarclaysGreen Home 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 90% | 5.53% | 5.18% | Cut 0.35points |
| BarclaysPremier 2 Yr Fixed, 2-year fixed | 11 Nov 2026 | 85% | 5.56% | 5.35% | Cut 0.21points |
| BarclaysPremier 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 90% | 5.13% | 5.00% | Cut 0.13points |
| BarclaysPremier 5 Yr Fixed, 5-year fixed | 11 Nov 2026 | 80% | 5.45% | 5.23% | Cut 0.22points |
| Barclays2 Yr Tracker at BEBR +0.60%, 2-year tracker | 11 Nov 2026 | 85% | New | 4.60% | New deal |
| BarclaysPremier 2 Yr Tracker at BEBR +0.37%, 2-year tracker | 11 Nov 2026 | 60% | New | 4.37% | New deal |
| Barclays2 Yr Tracker at BEBR +0.74%, 2-year tracker | 11 Nov 2026 | 85% | On its page | Not on its page | Withdrawn |
| BarclaysPremier 2 Yr Tracker at BEBR +0.24%, 2-year tracker | 11 Nov 2026 | 60% | On its page | Not on its page | Withdrawn |
| Nationwide2 Year Base Rate Tracker, 2-year tracker | 10 Nov 2026 | 60% to 95% | 4.09% to 4.99% | 4.34% to 5.24% | Up 0.25points |
| Nationwide10 Year Fixed Rate, 10-year fixed | 10 Nov 2026 | 60% to 90% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide2 Year Base Rate Tracker, 2-year tracker | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide2 Year Fixed Rate, 2-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide3 Year Fixed Rate, 3-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide5 Year Fixed Rate, 5-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| NatWest2 year tracker rate, 2-year tracker | 9 Nov 2026 | 60% to 90% | 4.08% to 4.95% | 4.33% to 5.20% | Up 0.25points |
| TSB2 year tracker, 2-year tracker | 9 Nov 2026 | 60% to 85% | 4.44% to 4.84% | 4.69% to 5.09% | Up 0.25points |
| NatWest2 year fixed rate, 2-year fixed | 9 Nov 2026 | 60% to 95% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 9 Nov 2026 | 60% to 85% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest2 year tracker rate, 2-year tracker | 9 Nov 2026 | 60% to 90% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest5 year fixed rate, 5-year fixed | 9 Nov 2026 | 60% to 95% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 9 Nov 2026 | 60% to 85% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| TSB2 year fixed, 2-year fixed | 9 Nov 2026 | 60% to 95% | 7.24% | 7.49% | Up 0.25points, rate after the deal |
| TSB2 year tracker, 2-year tracker | 9 Nov 2026 | 60% to 85% | 7.24% | 7.49% | Up 0.25points, rate after the deal |
| TSB3 year fixed, 3-year fixed | 9 Nov 2026 | 60% to 95% | 7.24% | 7.49% | Up 0.25points, rate after the deal |
| TSB5 year fixed, 5-year fixed | 9 Nov 2026 | 60% to 95% | 7.24% | 7.49% | Up 0.25points, rate after the deal |
Each lender’s latest rate change
Every lender NewHomeSearch reads, its most recent change in the last 4 weeks, how many rates it cut and raised, and its lowest rate for buying a new-build home today. A lender’s name opens all its rates.
| Lender | Latest change | Rates cut | Rates raised | Lowest rate today |
|---|---|---|---|---|
 | 12 Nov 2026 | 0 | 13 | 4.54%2 Years Tracker |
 | 12 Nov 2026 | 0 | 10 | 4.33%2 year tracker rate |
 | 11 Nov 2026 | 23 | 0 | 4.37%Premier 2 Yr Tracker at BEBR +0.37% |
 | 10 Nov 2026 | 0 | 20 | 4.34%2 Year Base Rate Tracker |
 | 9 Nov 2026 | 0 | 8 | 4.69%2 year tracker |
 | No change | 0 | 0 | 4.99%4.99% Fixed to 30.04.32 |
 | No change | 0 | 0 | 4.40%2 Year Term Tracker Standard |
 | No change | 0 | 0 | 5.34%Legal Assisted 2 Year Fixed Rate |
 | No change | 0 | 0 | 5.99%2 Year Fixed Rate |
 | No change | 0 | 0 | 4.08%2 year tracker rate New Build Exclusive |
 | No change | 0 | 0 | 4.38%2 Year Tracker |
Mortgage rate news: your questions
Which lenders have cut mortgage rates this week?
Barclays cut rates in the seven days to 12 November 2026: 23 rates in all, for buying a home. The newest: on 11 November 2026 Barclays cut its 2 Yr Fixed (2-year fixed) by 0.05 points at 95% LTV, to 5.66%.
Are lenders raising mortgage rates?
Skipton, Nationwide, NatWest, TSB raised rates in the seven days to 12 November 2026: 51 rates in all. Over the last 4 weeks, lenders here cut 23 rates and raised 51 rates.
Has Nationwide cut or raised its mortgage rates?
It has raised them: on 10 November 2026 Nationwide raised its 2 Year Base Rate Tracker (2-year tracker) by 0.25 points at 60% to 95% LTV, to 4.34% to 5.24%. In the last 4 weeks it cut 0 rates and raised 20 rates for buying a home, read from its own site each night.
Does a rate cut change my existing mortgage?
A lender’s new rates are for new deals. A fixed rate stays as it is until its deal ends; a tracker moves with Bank Rate by the margin its offer states; a standard variable rate moves when the lender decides. When a deal ends, the rates then on offer are the ones to compare.
What is Bank Rate now?
Bank Rate is 4%, raised from 3.75% on 5 November 2026; the Bank’s next decision is due on 17 December 2026. A Bank Rate change moves trackers straight away; fixed rates follow what lenders pay to borrow for the length of the deal, so they can move before or after it.
What the Bank of England’s figures show about mortgage rates
How does NewHomeSearch know when a lender changes its rates?
It reads every lender here from its own website at 02:45 UTC each night and compares each deal with the night before: a rate or fee that moved, a deal that appeared or one that went. Each change shows here the morning after, with its old and new value and a link to the lender’s page.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Compare today’s rates for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.