As of 2025, two-year fixed rates for 60% LTV are approximately 3.8–4.5%. Five-year fixes are 4.0–4.8%. For first-time buyers with 5–10% deposits, expect rates 0.5–1% higher. Always compare the overall cost including arrangement fees — some low-rate products have fees of £999–£1,999 that can make them more expensive than a slightly higher rate with no fee.