Compare Fixed Rate Mortgages

Compare the best fixed rate mortgages available in the UK and find the right fixed mortgage deal for you in minutes. Whether you're looking for a 5, 10 or 20 year fixed rate deal or for something in between we can help you to find the cheapest fixed mortgage rates possible.
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Glossary of TermsCompany / ProductMortgage TypeInitial RateFinal RateMortgage APRMax LTVMore
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SantanderSantander All ProductsFixed Ratefrom3.69%up to02 May
2015
4.24%from4.3%up to90%Santander Mortgages Proceed
Post OfficePost Office All ProductsFixed Ratefrom3.69%up to31 Mar
2015
2.49%from2.8%up to80%Post Office Mortgages Proceed
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Yorkshire BSYorkshire BS All ProductsFixed Ratefrom3.19%up to28 Feb
2020
4.99%from4.8%up to90%Yorkshire BS Mortgages Proceed
First DirectFirst Direct All ProductsFixed Ratefrom3.29%up to36months3.69%from3.8%up to75%First Direct Mortgages Proceed
Principality Building SocietyPrincipality Building Society All ProductsFixed Ratefrom3.44%up to31 Mar
2020
4.99%from5%up to85%Principality Building Society Mortgages Proceed
ING DirectING Direct All ProductsFixed Ratefrom3.44%up to28 Feb
2015
3.5%from3.6%up to75%ING Direct Mortgages Proceed
 Product fee includes a £195 booking fee payable on application.
Market Harborough Building SocietyMarket Harborough Building Society All ProductsFixed Rate3.44%31 Mar
2012
5.49%5.3%75%Market Harborough Building Society Mortgages Proceed
Leeds Building SocietyLeeds Building Society All ProductsFixed Ratefrom3.45%up to30 Apr
2015
5.49%from5.5%up to90%Leeds Building Society Mortgages Proceed
CumberlandCumberland All ProductsFixed Ratefrom3.49%up to01 Mar
2015
4.49%from4.6%up to90%Cumberland Mortgages Proceed
MansfieldMansfield All ProductsFixed Ratefrom3.59%up to60months5.59%from5.5%up to90%Mansfield Mortgages Proceed
NatWestNatWest All ProductsFixed Ratefrom3.59%up to29 Feb
2020
4%from4%up to100%NatWest Mortgages Proceed
RBSRBS All ProductsFixed Ratefrom3.59%up to31 Dec
2019
4%from4%up to100%RBS Mortgages Proceed
NationwideNationwide All ProductsFixed Ratefrom3.59%up to60months3.99%from4.1%up to95%Nationwide Mortgages Proceed
Coventry Building SocietyCoventry Building Society All ProductsFixed Ratefrom3.65%up to31 Mar
2015
4.74%from4.6%up to90%Coventry Building Society Mortgages Proceed
 
Various restrictions apply to all matching products.
SantanderSantander All ProductsFixed Ratefrom3.69%up to02 May
2015
4.24%from4.3%up to90%Santander Mortgages Proceed
Post OfficePost Office All ProductsFixed Ratefrom3.69%up to31 Mar
2015
2.49%from2.8%up to80%Post Office Mortgages Proceed
Alliance and LeicesterAlliance and Leicester All ProductsFixed Ratefrom3.69%up to02 May
2015
4.24%from4.3%up to90%Alliance and Leicester Mortgages Proceed
Chelsea Building SocietyChelsea Building Society All ProductsFixed Ratefrom3.69%up to28 Feb
2020
5.79%from5.6%up to80%Chelsea Building Society Mortgages Proceed
Northern RockNorthern Rock All ProductsFixed Ratefrom3.69%up to01 Apr
2015
4.79%from4.6%up to85%Northern Rock Mortgages Proceed
HalifaxHalifax All ProductsFixed Ratefrom3.69%up to31 Mar
2015
from3.49%from3.7%up to95%Halifax Mortgages Proceed
CheshireCheshire All ProductsFixed Ratefrom3.79%up to60months3.99%from4%up to85%Cheshire Mortgages Proceed
Dunfermline Building SocietyDunfermline Building Society All ProductsFixed Ratefrom3.79%up to30 Apr
2013
5.19%from5.2%up to95%Dunfermline Building Society Mortgages Proceed
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Fixed Rate Mortgage Guide

We balance the pros and cons of being tied into a fixed rate mortgage.

With a fixed rate mortgage the monthly repayment amount is fixed for a specified period. The fixed rate remains constant irrespective of changes to the Bank of England's base rate or the lender's standard variable rate.

The fixed rate period typically lasts for two to five years, although it can be longer. At the end of the fixed rate period the interest rate reverts to the lender's standard variable rate. An early redemption penalty will apply should you wish to cancel your mortgage before the end of the fixed period.

Furthermore, many fixed rate mortgages 'tie you in' for longer periods. This is because an early redemption penalty is charged if you cancel your mortgage within a set number of years following the end of the fixed rate period.

Advantages

Disadvantages

Consequently:

- During the fixed rate period you may miss out on a more competitive interest rate if the lender's standard variable rate drops to less than the fixed rate.

- You may be trapped in an uncompetetive rate once the interest rate reverts to the lender's standard variable rate.

You will normally have to pay an application fee when arranging your fixed rate mortgage.

NB This information is provided to give you an overview of the different types of mortgages available. It is not comprehensive and you should not base your mortgage decision on the information found here. We recommend you seek professional advice in order to determine the most suitable mortgage for you.

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