First-Time Buyer Mortgage Rates Fall Below 4% Amid Lender Competition
ByAinvest
Monday, Jan 19, 2026 10:00 am ET1min read
LYG--
First-time buyer mortgage rates have fallen below 4% with lenders such as Lloyds Bank offering a 3.96% two-year fixed rate with a 10% deposit. Bank of Ireland also offers a 3.99% rate with a higher fee. These rates come with restrictions, such as having a specific bank account or living in certain postcodes. The falling rates make monthly payments more affordable, helping more people to get on the property ladder.
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