Average UK Mortgage Interest Rates: 95%, 90%, 85% 75% & 60% LTV Shown below are the average mortgages rates to UK households based on the deposit amount: L.T.V (Loan to Value)Deposit AmountAverage Interest Rate (2 Year Fixed Rate)Average Interest Rate (2 Year Variable)Latest Date60%40%1.15%–30th June75%25%1.37%2.05%30th June85%15%2.38%–30th June90%10%3.09%2.90%30th June95%5%3.75%3.78%30th June Using the mortgage interest rates above the bar chart shows typical mortgage repayments: Historical Average U.K Mortgage Interest Rates The graph below should give you some idea of how UK mortgage interest rates have changed over time. Commentary:Only 60% LTV and 75% LTV mortgage rates have fallen back to or below their pre Covid levels. Whereas 85%, 90% & 95% LTV mortgages rates are all higher since Covid.