The New Era of Sub-4% Mortgages: How to Secure the Best Rates

Sub 4% Mortgages

As of April 2025, the mortgage market is undergoing a significant shift with interest rates decreasing across the board. In welcome news for homebuyers and those looking to remortgage, several major lenders have recently introduced sub-4% mortgage products, creating opportunities that haven't been available for some time.

Interest Rate Trends: The Downward Shift

The recent decline in mortgage interest rates represents a notable change in the UK property financing landscape. Multiple lenders have expanded their range of sub-4% mortgage products across various loan-to-value (LTV) ratios. This trend includes:

• Two-year fixed-rate mortgages at 60% LTV now available from 3.92%

• Two-year fixed-rate mortgages at 75% LTV now available from 3.99%

• Five-year fixed-rate options starting from 3.83% for certain property types

• Remortgage products seeing reductions of up to 33 basis points

These reduced rates apply across residential purchase, remortgage, and reward ranges, offering relief to both new buyers and existing homeowners looking to refinance.

Who Benefits from These New Rates?

The current rate environment presents opportunities for several groups:

1. First-time buyers with larger deposits (25-40%)

2. Existing homeowners looking to remortgage away from higher rates

3. Home movers with substantial equity in their current property

4. Environmentally conscious buyers eligible for "green" mortgage products with particularly competitive rates

How Mortgage Tree Can Help You Navigate These Options

In this rapidly changing environment, having expert guidance is more valuable than ever. Mortgage Tree specializes in helping clients access these competitive new mortgage products through:

Personalized Rate Comparison

Mortgage Tree can compare rates across the entire market, not just from a limited panel of lenders. This ensures you have access to the very best sub-4% deals currently available.

Expert Eligibility Assessment

Different lenders have different criteria for their most competitive rates. Mortgage Tree's advisors can quickly determine which sub-4% products you're most likely to qualify for, saving time and protecting your credit score from multiple applications.

Exclusive Deals Access

Mortgage Tree maintains relationships with lenders that provide access to exclusive broker-only deals that often feature better rates than those available directly to consumers.

Application Support

Once the ideal mortgage product is identified, Mortgage Tree handles the entire application process, including paperwork preparation and submission, increasing your chances of approval.

Remortgage Timing Strategy

For those with existing mortgages, Mortgage Tree can help determine the optimal time to switch to these new lower rates, considering any early repayment charges against potential savings.

Looking Ahead: Market Predictions

Financial experts suggest this downward trend in rates may continue in the short term, though economic factors remain fluid. For those in a position to lock in a rate now, these sub-4% products represent significant value compared to rates seen in recent years.

For personalized advice on how to access these competitive new mortgage rates, contact Mortgage Tree today to arrange a consultation with one of our experienced advisors.