Check Latest Mortgage Rates for Cambridge in April 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 2026-04-04
| Product | Rate | APR | Monthly / £100K |
|---|---|---|---|
| 2-Year Fixed | 4.96% | 5.11% | £582 |
| 5-Year Fixed | 4.56% | 4.68% | £510 |
| Standard Variable | 6.86% | 6.94% | £656 |
| Tracker Rate | 5.21% | 5.31% | £550 |
| Buy-to-Let | 5.46% | 5.64% | £565 |
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.
Cambridge's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Cambridge, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Cambridge, Cambridgeshire, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
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.