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.
To use this endpoint you just need to run it and you will get the mortgages from UK.
Get Mortgage - Endpoint Features
Object | Description |
---|
{"message":"Rates retrieved successfully","data":[{"Loan to value (LTV)":"60% LTV","19 September 2024":"4.20%","25 September 2024":"4.15%","Week-on-week change":"-0.05%","⇩ ⇧":"⇩","id":"a01b8267-606f-4721-93b2-2f4cff9c8c78","timestamp":1727740804,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"75% LTV","19 September 2024":"4.74%","25 September 2024":"4.68%","Week-on-week change":"-0.06%","⇩ ⇧":"⇩","id":"bdd42501-dbbb-4134-90c0-89d2e312f84c","timestamp":1727740804,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"85% LTV","19 September 2024":"4.99%","25 September 2024":"4.94%","Week-on-week change":"-0.05%","⇩ ⇧":"⇩","id":"e1effa2e-9be1-4147-8165-8629297f5bee","timestamp":1727740804,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"90% LTV","19 September 2024":"5.41%","25 September 2024":"5.40%","Week-on-week change":"-0.01%","⇩ ⇧":"⇩","id":"55de73dc-6123-4a02-b573-b9e0e0898e0c","timestamp":1727740804,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"95% LTV","19 September 2024":"5.64%","25 September 2024":"5.58%","Week-on-week change":"-0.06%","⇩ ⇧":"⇩","id":"509f092e-96cc-45ab-b786-bfce714f8f72","timestamp":1727740804,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"60% LTV","19 September 2024":"3.89%","25 September 2024":"3.87%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"0a660a3d-54e4-4693-9bfa-4082ed0853e4","timestamp":1727740804,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"75% LTV","19 September 2024":"4.39%","25 September 2024":"4.37%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"6bc37d93-25aa-4875-8b4b-49ab13510d45","timestamp":1727740804,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"85% LTV","19 September 2024":"4.65%","25 September 2024":"4.61%","Week-on-week change":"-0.04%","⇩ ⇧":"⇩","id":"6db80ab2-4423-44e6-aba3-2b672e66c68d","timestamp":1727740804,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"90% LTV","19 September 2024":"4.90%","25 September 2024":"4.88%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"e5b87a34-0d97-440a-801f-43dbed1aecd1","timestamp":1727740804,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"95% LTV","19 September 2024":"5.31%","25 September 2024":"5.21%","Week-on-week change":"-0.10%","⇩ ⇧":"⇩","id":"c8cb6ed3-bcd2-4e5c-8a09-0f04ad3dc388","timestamp":1727740804,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/5179/uk+mortgage+rates+api/6637/get+mortgage' --header 'Authorization: Bearer YOUR_API_KEY'
To use this endpoint you must enter a date such as 2024-09-30.
The Historical returns information as of September 2024.
Mortagage Historical - Endpoint Features
Object | Description |
---|---|
date |
[Required] Indicates a date in the following format: YY/MM/DD |
{"message":"Rates retrieved successfully","data":[{"Loan to value (LTV)":"60% LTV","19 September 2024":"4.20%","25 September 2024":"4.15%","Week-on-week change":"-0.05%","⇩ ⇧":"⇩","id":"b5f4d353-a716-4a3b-8f5f-64e3dd277ea6","timestamp":1727703039,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"75% LTV","19 September 2024":"4.74%","25 September 2024":"4.68%","Week-on-week change":"-0.06%","⇩ ⇧":"⇩","id":"27861c75-ab82-4a21-96ea-b21bc8abe26f","timestamp":1727703039,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"85% LTV","19 September 2024":"4.99%","25 September 2024":"4.94%","Week-on-week change":"-0.05%","⇩ ⇧":"⇩","id":"751f8f4a-a391-45c8-af61-391724ea74d3","timestamp":1727703039,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"90% LTV","19 September 2024":"5.41%","25 September 2024":"5.40%","Week-on-week change":"-0.01%","⇩ ⇧":"⇩","id":"564d91d6-644c-45f7-9c8c-c72c95c1467b","timestamp":1727703039,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"95% LTV","19 September 2024":"5.64%","25 September 2024":"5.58%","Week-on-week change":"-0.06%","⇩ ⇧":"⇩","id":"da679864-9ddd-43cc-9f92-5bf1ed3d780b","timestamp":1727703039,"product":"Latest average two-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"60% LTV","19 September 2024":"3.89%","25 September 2024":"3.87%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"a9e9957e-9583-4107-bb12-82b66f747aaa","timestamp":1727703039,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"75% LTV","19 September 2024":"4.39%","25 September 2024":"4.37%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"2a327868-fad1-42db-b6de-f79c83b8dee5","timestamp":1727703039,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"85% LTV","19 September 2024":"4.65%","25 September 2024":"4.61%","Week-on-week change":"-0.04%","⇩ ⇧":"⇩","id":"19032bea-ff80-4c8a-8173-a69d714b16e6","timestamp":1727703039,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"90% LTV","19 September 2024":"4.90%","25 September 2024":"4.88%","Week-on-week change":"-0.02%","⇩ ⇧":"⇩","id":"5d3a825c-8c9c-4266-a485-853a5cecd24a","timestamp":1727703039,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"},{"Loan to value (LTV)":"95% LTV","19 September 2024":"5.31%","25 September 2024":"5.21%","Week-on-week change":"-0.10%","⇩ ⇧":"⇩","id":"83f9d241-812c-4d6f-a0a0-cbc64a37f05e","timestamp":1727703039,"product":"Latest average five-year fixed-rate mortgage rates","country":"UK"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/5179/uk+mortgage+rates+api/6638/mortagage+historical?date=2024-09-30' --header 'Authorization: Bearer YOUR_API_KEY'
Header | Description |
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Authorization
|
[Required] Should be Bearer access_key . See "Your API Access Key" above when you are subscribed. |
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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.
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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.
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