{"message":"Rates retrieved successfully","data":[{"id":"5abfa5a2-fb75-437f-83cd-920fb71126cf","country":"UK","timestamp":1768322939,"lender":"Santander","initial_rate":"3.55%"},{"id":"1ceaabea-07f8-41c2-b9d9-403e034c41d3","country":"UK","timestamp":1768322939,"lender":"Halifax","initial_rate":"3.57%"},{"id":"162d5380-ee03-470f-8918-bbcf8a816281","country":"UK","timestamp":1768322939,"lender":"Lloyds","initial_rate":"3.57%"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/11695/uk+mortgage+rates+fetch+api/22094/obtain+rates' --header 'Authorization: Bearer YOUR_API_KEY'
{"message":"Rates retrieved successfully","data":[{"id":"5abfa5a2-fb75-437f-83cd-920fb71126cf","country":"UK","timestamp":1768322939,"lender":"Santander","initial_rate":"3.55%"},{"id":"1ceaabea-07f8-41c2-b9d9-403e034c41d3","country":"UK","timestamp":1768322939,"lender":"Halifax","initial_rate":"3.57%"},{"id":"162d5380-ee03-470f-8918-bbcf8a816281","country":"UK","timestamp":1768322939,"lender":"Lloyds","initial_rate":"3.57%"}],"success":true}
curl --location --request GET 'https://zylalabs.com/api/11695/uk+mortgage+rates+fetch+api/22100/historical?date=2026-01-13' --header 'Authorization: Bearer YOUR_API_KEY'
After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the UK Mortgage Rates Fetch API simply include your bearer token in the Authorization header.
| Header | Description |
|---|---|
Authorization
|
Required
Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.
|
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This API provides reliable, structured access to initial mortgage rates offered by different lenders in the United Kingdom. It is designed to enable users to easily integrate up-to-date information on mortgage products, facilitating comparison between financial institutions and informed decision-making.
The response is delivered in JSON format, a standard widely compatible with multiple programming languages and platforms, simplifying its integration into web applications, mobile applications, or financial analysis systems. Each response includes a message confirming the success of the operation and a Boolean success indicator, which allows immediate validation of whether the query was executed correctly and automated management of possible errors.
Within the data object is an array of records, each representing a specific mortgage offer. Each record contains a unique identifier that ensures the traceability and reference of the data, as well as information on the country to which the rate belongs, in this case the United Kingdom. In addition, the name of the lender is included, allowing for a clear differentiation between the different options available on the market.
Each record also incorporates a timestamp in Unix format, indicating the exact time when the information was recorded or updated. This detail is essential for historical analysis, monitoring rate changes, and applications that require up-to-date data. The initial_rate field shows the interest rate offered, presented in a standardized format that facilitates its visualization, conversion, and use in financial calculations or mortgage simulators.
Overall, the API offers a robust, flexible, and scalable solution for accessing key information about the UK mortgage market, ensuring efficiency, security, and accuracy in the management of initial loan rates.
The "Obtain Rates" endpoint returns current initial mortgage rates by lender, including unique identifiers, timestamps, and interest rates. The "Historical" endpoint provides similar data but focuses on past mortgage rates, allowing users to analyze trends over time.
Key fields in the response data include "id" (unique identifier), "country" (UK), "timestamp" (Unix format), "lender" (name of the lender), and "initial_rate" (interest rate offered).
The response data is structured in JSON format. It includes a "message" indicating success, a "success" Boolean, and a "data" array containing records of mortgage offers, each with its own set of fields.
The "Obtain Rates" endpoint provides current mortgage rates, while the "Historical" endpoint offers past rates. Both include lender names, unique identifiers, and timestamps for each record.
Currently, the API does not specify parameters for customizing requests. Users can retrieve all available mortgage rates or historical data without additional filtering options.
The API aggregates mortgage rates from various lenders in the UK, ensuring a comprehensive overview of the market. Data accuracy is maintained through regular updates from these financial institutions.
Typical use cases include comparing mortgage rates across lenders, analyzing historical trends for financial planning, and integrating mortgage data into applications for user decision-making.
Users can parse the JSON response to extract relevant fields, such as lender names and rates, for display or analysis. The timestamp allows for tracking changes over time, aiding in informed decision-making.
To obtain your API key, first sign in to your account and navigate to the API you want to use. From the API's Pricing section, choose a plan and complete the subscription process. Once subscribed, return to the API page and you will see your API Access Key displayed at the top of the documentation page. You can use this key to authenticate your requests.
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