Source trace. Via News points to the documents behind its reporting and shows what we drew from each — so you can check any claim. How we source

Source document· February 5, 2026

HSBC, NatWest, Barclays and Nationwide hike mortgage costs

View original at uk.finance.yahoo.com

HSBC, NatWest, Barclays and Nationwide hike mortgage costs All major lenders, except Halifax, have increased mortgage rates after the Bank of England kept interest rates on hold…

Opening lines of the source · short snapshot — read the full document at the original

What we drew from this source

The claims Via News extracted from this document. We point to the source; we don't replace it.

Homeowners with large mortgages coming off ultra-low fixed rates secured before December 2021 are most likely to feel disappointed; many five-year deals from 2021 at record lows are now expiring.
80% confidence
An individual with a £37,500 annual income and a £30,000 deposit could borrow up to £168,375 under standard criteria. With Mortgage Boost adding a second applicant earning £37,500, combined borrowing could reach £270,000.
80% confidence
The BoE says further cuts are in the pipeline. Mortgage affordability is improving due to six rate cuts since summer 2024, a more relaxed lending environment, and slower house price growth.
80% confidence
We've been used to fixed rates dropping, and we won't see rates rocket, but the more lenders nudge prices up, the more others will follow – that growing momentum will increase rates across the board.
80% confidence
The average five-year fixed deal came in at 4.98%, unchanged from the previous week.
80% confidence
Further interest rate cuts are in the pipeline.
80% confidence
The average rate for a two-year fixed mortgage came in at 4.53% this week, up from the previous 4.49%.
80% confidence
Santander's withdrawal of 60% LTV products for first-time buyers was part of a reprice following the changes to swaps after the Bank of England held interest rates.
80% confidence
Some major high-street lenders have upped mortgage rates in recent weeks; borrowers are in a much better place than in 2023 when average two- and five-year fixed rates were comfortably above 6%.
80% confidence
Borrowers holding off for lower rates are probably going to get a sharp reminder that they're not always possible.
80% confidence
Today's decision to hold rates, coupled with uncertainty over exactly when further cuts may materialise, may feel unsettling for homeowners and prospective buyers hoping for further improvements in the mortgage market.
80% confidence