# United Kingdom Outstanding mortgage effective rate, individuals

> Canonical page: https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals
> Publisher: FXMacroData (https://fxmacrodata.com) — official-source macroeconomic data
> License: https://fxmacrodata.com/terms

| Field | Value |
| --- | --- |
| Latest value | 4.03 |
| Latest release date | 2026-10-29 |
| Previous value | 3.92 |
| Change | 0.11 |

United Kingdom Outstanding mortgage effective rate, individuals printed 4.03% in September 2026, a change of 0.11 percentage points from 3.92%. The value sits above the previous reading, so the important market question is whether it confirms the prevailing trend or forces a reassessment of GBP macro pricing.

## Recent release history

| Release date | Actual | Previous | Forecast | Detail page |
| --- | --- | --- | --- | --- |
| 2026-10-29 | 4.03 | 3.92 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2026-10-29 |
| 2026-01-30 | 3.92 | 3.9 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2026-01-30 |
| 2026-01-05 | 3.9 | 3.89 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2026-01-05 |
| 2025-12-01 | 3.89 | 3.89 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-12-01 |
| 2025-10-29 | 3.89 | 3.89 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-10-29 |
| 2025-09-29 | 3.89 | 3.88 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-09-29 |
| 2025-09-01 | 3.88 | 3.88 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-09-01 |
| 2025-07-29 | 3.88 | 3.87 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-07-29 |
| 2025-06-30 | 3.87 | 3.86 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-06-30 |
| 2025-06-02 | 3.86 | 3.84 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-06-02 |
| 2025-05-01 | 3.84 | 3.87 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-05-01 |
| 2025-03-31 | 3.87 | 3.81 | -- | https://fxmacrodata.com/united-kingdom/mortgage-effective-rate-individuals/announcements/gbp_mortgage_effective_rate_individuals_2025-03-31 |

## API access

```
GET https://api.fxmacrodata.com/v1/announcements/gbp/mortgage_effective_rate_individuals
X-API-Key: YOUR_API_KEY
```

## Related

- Machine-readable surfaces index: https://fxmacrodata.com/llms.txt