What mortgage product types (e.g., tracker vs. fixed) are most advisable for UK property investors with current stable rates?
Quick Answer
With the Bank of England base rate at 4.75% (December 2025), investors should weigh the budgeting certainty of fixed-rate BTL mortgages (5.5-6.0% for 5-years) against the flexibility and potential for lower repayments offered by tracker mortgages (5.0-6.5% for 2-years), considering their individual risk appetite and market outlook.
About This Topic
UK property investors choosing mortgages with the Bank of England base rate at 4.75% (December 2025) should consider fixed rates (5.5-6.0%) or trackers (5.0-6.5%)
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework