Your home may be repossessed if you do not keep up repayments on your mortgage.

Chelsea Building Society 5 Year 3.09% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%3.09% fixed
until 31 Oct 2019
5.65%4.8% APR
HSBC 5 Year 3.09% Fixed Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.09% fixed
until 31 Oct 2019
3.94%3.8% APR
Virgin 5 Year 3.10% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
50%3.1% fixed
until 01 Nov 2019
4.79%4.3% APR
Available for remortgage and via brokers only. Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Yorkshire BS Flexi 5 Year 3.14% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%3.14% fixed
until 31 Oct 2019
4.99%4.4% APR
Nationwide Flex 5 Year 3.19% Fixed Remortgage Free Val & Legals
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.19% fixed
for 60 months
3.99%3.7% APR
Available for remortgage only.
Chelsea Building Society 5 Year 3.29% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%3.29% fixed
until 31 Oct 2019
5.65%4.8% APR
TSB 5 Year 3.29% Fixed Remortgage >£200k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.29% fixed
until 30 Nov 2019
3.99%4.0% APR
Available for remortgage only.
Chelsea Building Society Flexi 5 Year 3.29% Fixed Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%3.29% fixed
until 31 Oct 2019
5.65%4.8% APR
Halifax 5 Year 3.29% Fixed Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.29% fixed
until 30 Nov 2019
3.99%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Halifax 5 Year 3.29% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.29% fixed
until 30 Nov 2019
3.99%3.8% APR
Available for remortgage only.
HSBC 5 Year 3.29% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
until 31 Oct 2019
3.94%3.8% APR
HSBC 5 Year 3.29% Fixed Advance
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
until 31 Oct 2019
3.94%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
HSBC 5 Year 3.29% Fixed Premier
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
until 31 Oct 2019
3.94%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
HSBC 5 Year 3.29% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
until 31 Oct 2019
3.94%3.8% APR
Nationwide Flex 5 Year 3.29% Fixed Remortgage Free Val & Legals
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
for 60 months
3.99%3.7% APR
Available for remortgage only.
TSB 5 Year 3.29% Fixed Remortgage + Cashback >£200k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%3.29% fixed
until 30 Nov 2019
3.99%4.0% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Virgin 5 Year 3.29% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%3.29% fixed
until 01 Nov 2019
4.79%4.3% APR
Available for remortgage only. Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Chelsea Building Society 5 Year 3.34% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%3.34% fixed
until 31 Oct 2019
5.65%4.9% APR
Yorkshire BS Flexi 5 Year 3.34% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%3.34% fixed
until 31 Oct 2019
4.99%4.5% APR
Yorkshire BS Flexi 5 Year 3.34% Fixed
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%3.34% fixed
until 31 Oct 2019
4.99%4.5% APR

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How to Find the Best Five Year Fixed Rate Remortgage

If you are concerned about fluctuating interest rates but want to remain on the property ladder, a fixed rate mortgage deal can offer the perfect solution.

How to Find the Best Five Year Fixed Rate Remortgage

A way of protecting your outgoings against changes in the economy, fixed rate mortgages allow you to budget with confidence, safe in the knowledge that you won't suddenly be slapped with a hike in your monthly repayments.

There are many types of fixed rate remortgages available but opting for a 5 year remortgage is popular because of the security it provides over an extended period.

We take a look at how to find the best five year fixed rate remortgage deals and how to decide whether this is the right solution for you.

What to consider when looking at 5 year fixed remortgage deals

The idea of locking in to a deal for as long as possible may sound like an attractive option but you should think carefully before signing on the dotted line.

Although having remortgage 5 year fixed rates does undeniably offer you peace of mind and security, if interest rates tumble you could end up paying over the odds. 

You can of course always remortgage again if this is the case but you will probably have to pay a hefty penalty, thus wiping out any financial benefits from making the switch.

The same applies if you want to make a significant overpayment, borrow more to move property, sell your home or if your financial situation changes dramatically.

Many homeowners are willing to take the risk that they may pay more during certain periods in return for the security of having a fixed repayment every month; you need to decide what your own priorities are in order to decide whether a remortgage 5 year fixed package is right for you.

Many of the best fixed rate remortgages 5 years or longer deals come with high arrangement fees so you'll need to compare the total cost over the 5 year term to find the cheapest options that you're eligible for and consider whether high fees on the lowest 5 year fixed rate remortgage still mean it offers the best value.

Ready to compare 5 year fixed rate remortgages?

If you have decided that getting the best 5 year fixed remortgage deal you can find is the right course of action for you, it's time to whittle down your choices to get the most competitive package.

Before you carry out your 5 year fixed remortgage comparison, you will need to calculate how much equity you have in your home. This information is essential as lenders set interest rates for many mortgage deals based on LTV. The best remortgage rates 5 year fixed term deals will generally be reserved for homeowners with more equity in their property. However, some lenders will allow you to borrow more; you should be able to find deals with a LTV of up to 90% but the rates quoted will typically be much higher.

You'll also need to think about the type of mortgage you want, whether that's a 5 year fixed offset remortgage, one that allows overpayments, flexibility or porting in case you want to move home; by using an online mortgage comparison table you can narrow down your search criteria to see the type of results you want. 

As well as interest rates, don't forget to add on any fees which will be payable. When you remortgage you are likely to have to pay valuation costs and legal fees although some lenders will cover this in return for you making the switch.

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