The UK Mortgage Rates API is a reliable source of comprehensive data on current and historical mortgage rates in the UK. It is designed to offer an accurate view of the mortgage landscape, providing real-time and past rate information for a range of products. This API allows users to access detailed mortgage rate data, covering various loan-to-value (LTV) ratios and multiple mortgage rate categories. By incorporating both short and long-term fixed rate mortgage options, the API provides a comprehensive view of the UK mortgage market, making it a valuable resource for individuals and institutions wishing to analyze rate patterns and trends.
The API includes data for different mortgage products, segmented by LTV, which refers to the percentage of the loan amount relative to the value of the property. These segments typically range from 60% LTV to 95% LTV, catering to different borrower profiles and risk levels. The rates offered include two- and five-year fixed-rate mortgage products, reflecting the different financing strategies that homeowners and investors can adopt. This level of granularity ensures that users can determine exactly which mortgage products fit their own or their clients' financial needs.
The API also provides comprehensive historical data, allowing users to explore the rate environment over extended periods of time. By analyzing historical data, users can observe long-term patterns and make more informed decisions about when to enter or exit the mortgage market. This is especially useful for identifying cyclical trends or understanding how external factors - such as changes in the Bank of England prime rate - affect mortgage rates in different LTV segments.
Another key aspect of the API is its structured format, which ensures clarity and ease of use. Each mortgage product entry includes a unique identifier and a timestamp, indicating when the data was last retrieved. This timestamp is critical as it ensures that rates are up to date, which is especially important for urgent financial decisions. The inclusion of accurate timestamps also facilitates temporal analysis, allowing users to correlate rate changes with specific events or market movements.
Returns UK initial mortgage rates by lender, with unique identifiers, timestamps, and reliable, up-to-date interest rates.
Obtain Rates - Endpoint Features
| Object | Description |
|---|
{"message":"Rates retrieved successfully","data":[{"id":"d077f2ad-51e1-4c51-81b4-f0863da8c58b","lender":"95% LTV Two Year Fixed","initial_rate":"5.42%","timestamp":1777383306,"country":"UK"},{"id":"1c2afffa-749e-431d-b4da-9fa0a5b1be3c","lender":"95% LTV Five Year Fixed","initial_rate":"5.36%","timestamp":1777383306,"country":"UK"},{"id":"0c66b50b-3410-4e50-b6c4-cf21a658f668","lender":"95% LTV Two Year Tracker","initial_rate":"4.89%","timestamp":1777383306,"country":"UK"},{"id":"063c2cdb-2815-49d6-82e2-5d64bfb00175","lender":"90% LTV Two Year Fixed","initial_rate":"5.09%","timestamp":1777383306,"country":"UK"},{"id":"de1cb0ac-1fb6-4686-9b53-8e36fc4e44dc","lender":"90% LTV Five Year Fixed","initial_rate":"5.00%","timestamp":1777383306,"country":"UK"},{"id":"02f19ded-971e-4a9b-9461-129f7378dc83","lender":"90% LTV Two Year Tracker","initial_rate":"4.57%","timestamp":1777383306,"country":"UK"},{"id":"bb84cd72-0de6-4e3a-afe5-253c17b81c6e","lender":"75% LTV Two Year Fixed","initial_rate":"4.87%","timestamp":1777383306,"country":"UK"},{"id":"2e0d6537-7162-4dca-bb21-7a2c884e78c0","lender":"75% LTV Five Year Fixed","initial_rate":"4.74%","timestamp":1777383306,"country":"UK"},{"id":"f36cda59-b6b2-4fd9-b58f-dd8010de7c0d","lender":"75% LTV Two Year Tracker","initial_rate":"4.08%","timestamp":1777383306,"country":"UK"},{"id":"92840b37-e0d1-4538-bb29-47bf536281af","lender":"60% LTV Two Year Fixed","initial_rate":"4.79%","timestamp":1777383306,"country":"UK"},{"id":"ab1fdbbf-0e73-4506-9fed-27326868c789","lender":"60% LTV Five Year Fixed","initial_rate":"4.74%","timestamp":1777383306,"country":"UK"},{"id":"d918fdb9-b93e-4118-8435-5c3c69001b5a","lender":"60% LTV Two Year Tracker","initial_rate":"3.96%","timestamp":1777383306,"country":"UK"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/5179/uk+mortgage+rates+api/22148/obtain+rates' --header 'Authorization: Bearer YOUR_API_KEY'
Provides historical mortgage rates in UK, including country, rate value, unique identifiers, and timestamps.
Historical - Endpoint Features
| Object | Description |
|---|---|
date |
[Required] Indicate a date |
{"message":"No rates found","data":[],"success":false}
curl --location --request GET 'https://zylalabs.com/api/5179/uk+mortgage+rates+api/22149/historical?date=2026-01-12' --header 'Authorization: Bearer YOUR_API_KEY'
| Header | Description |
|---|---|
Authorization
|
[Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed. |
No long-term commitment. Upgrade, downgrade, or cancel anytime. Free Trial includes up to 50 requests.
To use this API and get the rates you only have to execute the Get Mortgage endpoint and to get the historical you have to indicate a date in the Mortagage Historical endpoint.
There are different plans to suit everyone, including a 7-day free trial.
The UK Mortgage Rates API provides real-time and historical data on UK mortgage interest rates for various financial products.
The UK Mortgage Rates API receives a date and returns current and historical interest rates for various mortgage products.
Besides the number of API calls per month, there are no other limitations.
The "Get Mortgage" endpoint returns current average mortgage rates segmented by loan-to-value (LTV) ratios, including week-on-week changes. The "Mortgage Historical" endpoint provides historical rates for specified dates, showing trends over time.
Key fields include "Loan to value (LTV)," "Week-on-week change," "timestamp," "product," and specific dates with their corresponding rates. Each entry also has a unique identifier for reference.
The response data is structured as a JSON object containing a message and an array of mortgage products. Each product entry includes detailed attributes like LTV, rates for specific dates, and a timestamp for data retrieval.
The "Get Mortgage" endpoint provides current mortgage rates and changes, while the "Mortgage Historical" endpoint offers historical rates for specified dates, allowing users to analyze trends and patterns.
Users can customize requests by specifying a date for the "Mortgage Historical" endpoint. The "Get Mortgage" endpoint does not require additional parameters, as it retrieves the latest rates automatically.
The data is sourced from reliable financial institutions and market analyses, ensuring that the mortgage rates reflect current market conditions and trends in the UK mortgage landscape.
Typical use cases include analyzing mortgage rate trends for investment decisions, comparing current rates with historical data, and assessing the impact of economic changes on mortgage products.
Users can analyze the week-on-week changes to identify trends, compare rates across different LTV segments, and use historical data to make informed decisions about mortgage timing and product selection.
Please have a look at our Refund Policy: https://zylalabs.com/terms#refund
To obtain your API key, you first need to sign in to your account and subscribe to the API you want to use. Once subscribed, go to your Profile, open the Subscription section, and select the specific API. Your API key will be available there and can be used to authenticate your requests.
You can’t switch APIs during the free trial. If you subscribe to a different API, your trial will end and the new subscription will start as a paid plan.
If you don’t cancel before the 7th day, your free trial will end automatically and your subscription will switch to a paid plan under the same plan you originally subscribed to, meaning you will be charged and gain access to the API calls included in that plan.
The free trial ends when you reach 50 API requests or after 7 days, whichever comes first.
No, the free trial is available only once, so we recommend using it on the API that interests you the most. Most of our APIs offer a free trial, but some may not include this option.
Yes, we offer a 7-day free trial that allows you to make up to 50 API calls at no cost, so you can test our APIs without any commitment.
Zyla API Hub is like a big store for APIs, where you can find thousands of them all in one place. We also offer dedicated support and real-time monitoring of all APIs. Once you sign up, you can pick and choose which APIs you want to use. Just remember, each API needs its own subscription. But if you subscribe to multiple ones, you'll use the same key for all of them, making things easier for you.
Service Level:
100%
Response Time:
54ms
Service Level:
100%
Response Time:
40ms
Service Level:
100%
Response Time:
46ms
Service Level:
100%
Response Time:
40ms
Service Level:
100%
Response Time:
62ms
Service Level:
100%
Response Time:
39ms
Service Level:
100%
Response Time:
76ms
Service Level:
100%
Response Time:
52ms
Service Level:
100%
Response Time:
58ms
Service Level:
100%
Response Time:
149ms