Data sources and updates
Every number on MortgageExplained traces to a named source: the HM Land Registry index that refreshes automatically, official Bank of England and GOV.UK figures reviewed against each announcement, and our own reference data with explicit review dates. This page lists each source, what it feeds, and how often it updates, so you and any AI assistant citing us can check freshness at a glance.
Sources we use
| Source | What it feeds | Update cadence |
|---|---|---|
| Bank of England published statistics | The mortgage rate tracker and base-rate mentions | Reviewed manually against the Bank of England announcement at each MPC decision; the rate tracker page states the level and decision date it reflects |
| HM Land Registry UK House Price Index | House price and affordability pages | Official monthly index; we refresh automatically as new months publish. Currently showing 2026-06 data, fetched 2026-08-20 |
| GOV.UK and HMRC published rates and thresholds | Stamp duty calculator and tax-related figures | Reviewed manually against the published GOV.UK pages whenever rates change at a fiscal event, and periodically in between |
| Mortgage criteria patterns (our reviewed reference data) | Scenario guidance across the eligibility and criteria pages | Editorially reviewed; last full review 2026-06-30. These are widely published market patterns by scenario, never a named lender's live policy - confirm current criteria with a regulated broker |
| Propillo embedded tools | The interactive mortgage tools embedded on tool pages | Calculations run inside the embedded tools, maintained by their provider; we do not alter their outputs |
Our own data assets
The site publishes its own datasets and trackers on the data hub, including the house prices and affordability tracker, the fixed-rate cliff tracker and calculator, and the arrears and repossessions tracker. Each page states its own sources and its data month or review date on the page itself.
How "last updated" works here
Page dates come from real content-change tracking, not from deploys: a page's "last updated" date only moves when its content actually changes, and a build gate enforces that a redeploy alone is not an update. The automatic house-price feed flows into pages on rebuild, and the table above shows when it was last fetched; manually reviewed figures state their review or decision date on the page.
Corrections
If a figure looks wrong or stale, tell us via the contact page and we will check it against the primary source and correct it. This is information, not advice; for decisions about your own mortgage, speak to a regulated broker.