Check Latest Mortgage Rates for Cambridge in July 2026
Cambridge is a significant urban market in Cambridgeshire, the United Kingdom, with a median home price of approximately £455,000. Below you'll find the latest estimated mortgage rates for Cambridge, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Cambridge Mortgage Rates
Estimated rates as of 2026-07-13
| Product | Rate | APR | Monthly / £100K |
|---|---|---|---|
| 2-Year Fixed | 5.20% | 5.35% | £596 |
| 5-Year Fixed | 4.80% | 4.92% | £525 |
| Standard Variable | 7.10% | 7.18% | £672 |
| Tracker Rate | 5.45% | 5.55% | £565 |
| Buy-to-Let | 5.70% | 5.88% | £580 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Cambridge Mortgage Market Overview
The Cambridge housing market in Cambridgeshire represents a well-established lending market in the United Kingdom. With a median home price of £455,000, buyers in Cambridge have access to a range of mortgage products from both national and local lenders.
In Cambridge, the local property market is subject to standard Stamp Duty Land Tax (SDLT) thresholds. With median values sitting around £455,000, first-time buyers may be eligible for significant relief, while movers should calculate SDLT into their total closing costs. The local lending environment strongly supports both fixed-rate and tracker mortgages.
Cambridge's housing landscape offers a balance of urban amenities and accessible lending capital, with multiple high-street banks, credit unions, and digital lenders actively serving the zip codes. Buyers typically find a healthy, diversified mix of fixed-rate and variable loan options at highly competitive rates.
When locking in mortgage rates in Cambridge, remember that your finalized Annual Percentage Rate (APR) depends on several variables: your FICO or credit score, down payment size (LTV ratio), debt-to-income (DTI) ratio, and the specific property type. The rates tracked on this page reflect aggregate market-wide averages and provide a highly accurate benchmark for your negotiations.
For the most granular projection of your true housing costs in Cambridge, Cambridgeshire, we recommend coupling these daily rates with our comprehensive mortgage calculators. This strategy ensures you understand not just the interest environment, but your precise amortization schedule and monthly cash flow obligations.
Frequently Asked Questions About Mortgages in Cambridge
Mortgage rates in Cambridge, Cambridgeshire are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
The choice between fixed and adjustable-rate mortgages in Cambridge depends on your plans. If you plan to stay in your Cambridge home for more than 7 years, a fixed-rate mortgage provides payment stability. If you expect to move or refinance within 5-7 years, an adjustable-rate mortgage (ARM) may offer a lower initial rate. Use our Fixed vs Adjustable Rate Calculator to compare both options with current Cambridge rates.
Closing costs in Cambridge, Cambridgeshire typically range from 2% to 5% of the purchase price. On the median-priced home of £455,000, that's approximately £11,375 to £22,750. These costs include lender fees, title insurance, appraisal, property taxes, and government recording fees. Use our Closing Costs Estimator for a detailed breakdown specific to your situation.
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Calculate Your Monthly Payment in Cambridge
Use current Cambridge rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.