Mortgage Rates API

The Mortgage Rates API provides access to UK mortgage interest rates sourced from the Bank of England Statistical Interactive Database (IADB). Our data is updated daily and covers fixed, variable, and tracker mortgage rates across various Loan-to-Value (LTV) bands.

This API provides:

• Current mortgage rates for 2-year, 5-year, and 10-year fixed products
• Variable rate and base rate tracker data
• Rates across multiple LTV bands (60%, 75%, 90%, 95%)
• Historical rate data for trend analysis
• Daily updated data from official Bank of England sources

This API is ideal for:

• Mortgage comparison platforms
• Property investment analysis tools
• Financial planning applications
• Buy-to-let yield calculators
• Economic research and reporting

All requests to the Mortgage Rates API require authentication using an API key. You can obtain your API key from your PropertyInsights dashboard after subscribing to an API plan.

Include your API key in the request header as follows:

X-API-Key: your_api_key_here

Base URL

https://propertyinsights.co.uk/api/v1/

/mortgage-rates

Successful chargeable JSON responses include a top-level billing object. The endpoint examples on this page focus on the endpoint-specific data, so this repeated block may not be shown in every example.

"billing": {
  "mode": "prepaid",
  "creditsCharged": 1,
  "creditsRemaining": 1999,
  "creditsRefreshAt": "2026-08-14T09:30:00.000Z"
}

All authenticated API-key calls expose the billing headers, including validation errors and zero-credit status or management requests. Only successful chargeable JSON responses add the billing object to the response body.

All API responses are returned in JSON format. The response includes current rates and historical data.

{
  "success": true,
  "current": {
    "IUMBV34": {
      "rate": 5.47,
      "term": "2year",
      "ltv": "75",
      "type": "fixed",
      "label": "2-Year Fixed 75% LTV"
    }
  },
  "historical": [
    { "date": "2024-01-15", "IUMBV34": 5.47 },
    { "date": "2024-01-08", "IUMBV34": 5.52 }
  ]
}

Response Fields

The API returns mortgage rates using Bank of England series codes. Here's the mapping:

The API uses standard HTTP response codes and returns detailed error information in JSON format. All errors follow a consistent structure to help you handle them appropriately in your application.

Error Response Format

{
  "success": false,
  "error": {
    "code": "NO_DATA_FOUND",
    "message": "No mortgage rate data found for the specified filters"
  }
}