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The Independent UK
The Independent UK
Business
Joanna Hodgson

Five experts predict what happens next with UK mortgage rates - and what you should do now

The UK mortgage market was on a rollercoaster ride in the first half of 2026, and homeowners hoping for a calmer journey from summer and beyond have quickly been left disappointed.

Turbulence in the Middle East saw the Iran war impact the UK economy, with deals being withdrawn, and two and five-year fixed rates peaking at 5.9 per cent and 5.78 per cent respectively in April.

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