AInvest Newsletter
Daily stocks & crypto headlines, free to your inbox
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.
Ainvest News articles are AI-generated using advanced large language model (LLM) technology designed to analyze and synthesize publicly available data and news. While AI tools assist in producing initial drafts and insights, all AI generated content published on Ainvest is subject to comprehensive human editorial review before publication. A designated human editor reviews, verifies, and approves each article for factual accuracy, coherence, and compliance with AInvest Fintech Inc's editorial and disclosure standards.
Despite these review procedures, the information provided may still contain inaccuracies, incomplete data, or time sensitive references due to the inherent limitations of AI generated analysis and evolving changes. The material is provided strictly for informational and educational purposes and does not constitute personalized investment, legal, or financial advice. Readers should independently verify all facts, figures, and statements before making any decision based on this content.
AInvest Fintech Inc. its affiliates, and partners accept no liability or responsibility for any direct or consequential losses arising from reliance on this content. All articles and analyses are subject to revision, update, or removal without prior notice to maintain accuracy and integrity in our publications.
Comments
No comments yet