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HSBC and NatWest Lift Mortgage Rates After Swap Surge

9/9/2026

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Story summary
  • HSBC and NatWest raised mortgage rates to match higher swap rates.
  • Swap rates rose after the US-Iran conflict and a UK gilt yield above 5%, an 18-year high.
  • A 0.25-percentage-point rise on a £250,000 two-year fixed mortgage adds about £38 monthly (£456 yearly).
  • Economists warn the Bank of England may raise the base rate in November if pressure continues.