أسعار الرهن العقاري 2026 | Mortgage Rates Compared 2026
US 30-year fixed at 7.28% (Freddie Mac, 1 Oct 2026) and UK fixed deals from 5.42% (Moneyfacts). Use the calculator below for an instant monthly-payment estimate, then compare fixed vs variable vs Islamic structures.
Calculate My Payment🏠 Mortgage Payment Calculator
Uses the researched October 2026 average rates below. Illustrative only — your actual rate depends on credit, deposit and lender.
🇺🇸 US Mortgage Rates — 1 October 2026
| Product | Average rate | Note |
|---|---|---|
| 30-year fixed | 7.28% | Highest since Nov 2023 (Freddie Mac PMMS) |
| 15-year fixed | 6.60% | Lower rate, much higher monthly payment |
Source: Freddie Mac Primary Mortgage Market Survey via GlobeNewswire, 1 Oct 2026. Survey covers conforming purchase loans, 20% down, excellent credit.
🇬🇧 UK Mortgage Rates — 1 October 2026
Rates fall as your deposit grows (lower loan-to-value). Source: Moneyfacts.
| Deposit | 2-yr fixed | 5-yr fixed |
|---|---|---|
| 40% (LTV 60%) | 5.42% | 5.60% |
| 25% (LTV 75%) | 5.80% | 5.89% |
| 15% (LTV 85%) | 6.00% | 5.97% |
| 5% (LTV 95%) | 6.37% | 6.30% |
Market averages (3 Oct 2026): 2-yr fixed 5.56%, 5-yr fixed 5.53% — Rightmove tracker (Podium) via Oportfolio, 21 lenders ≈95% of market.
⚖️ Fixed vs Variable vs Islamic Structures
✅ Fixed-rate — strengths
- Payment never changes during the fixed term — full budget certainty
- Protection if rates rise further
⚠️ Fixed-rate — watch out
- Usually higher starting rate than variable
- Early repayment charges if you exit during the term
✅ Variable/tracker — strengths
- Often cheaper at the start; benefits if rates fall
- More flexible overpayments
⚠️ Variable — watch out
- Payments can rise sharply — budget stress risk
- Unpredictable total cost
✅ Islamic structures (Murabaha / Ijara)
- No interest — fixed profit agreed upfront (Murabaha)
- Sharia-compliant path to home ownership
⚠️ Watch out
- Often priced above conventional equivalents
- Fewer providers and less flexibility — compare total cost carefully
- Try our Halal Mortgage Calculator
💡 5 Smart Moves in a High-Rate Market
| # | Move | Why it matters at ~7% |
|---|---|---|
| 1 | Bigger deposit | In the UK, 40% deposit vs 5% saves ~0.9pp on the rate; in the US, 20% avoids PMI |
| 2 | Improve credit first | Even 20–30 points can move you into a better pricing tier |
| 3 | Compare total cost, not just rate | Fees and points can outweigh a slightly lower headline rate |
| 4 | Consider 15-yr if affordable | 6.60% vs 7.28% plus half the term = massive interest savings |
| 5 | Plan a refinance trigger | Buy now if you must, refinance later if rates fall — but never count on it |
Frequently Asked Questions
Is 7.28% a high mortgage rate historically?
Should I choose 2-year or 5-year fixed in the UK?
How much deposit do I really need?
📚 Data Sources
- US rates — Freddie Mac PMMS
- UK rates by LTV — Moneyfacts · market averages — Rightmove tracker via Oportfolio
All figures observed 5 October 2026. Rates move frequently — verify with lenders before deciding.
ملخص عربي
صفحة مقارنة أسعار الرهن العقاري أكتوبر 2026: أمريكا — ثابت 30 سنة 7.28% (الأعلى منذ نوفمبر 2023) وثابت 15 سنة 6.60% (Freddie Mac)؛ بريطانيا — ثابت سنتين من 5.42% وثابت 5 سنوات من 5.60% حسب الدفعة المقدمة (Moneyfacts). حاسبة تفاعلية تحسب قسطك الشهري فورًا حسب بلدك وسعر المنزل والدفعة المقدمة، مع مقارنة صادقة بين الثابت والمتغير والهياكل الإسلامية (مرابحة/إجارة) و5 خطوات ذكية في سوق الفائدة المرتفعة. الأرقام استرشادية بتاريخ أكتوبر 2026 — تحقق من المقرضين قبل القرار.