Compare 10 year fixed rate mortgages

You could find a low fixed rate mortgage deal that offers you peace of mind by fixing your repayments for 10 years.

Want free expert mortgage advice?

In partnership with
172 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
Sort
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.08% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
60%
Initial rate
2.08% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 10 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
2.13% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
2.19% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
75%
Initial rate
2.19% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 10 year fixed
Maximum LTV
60%
Initial rate
2.27% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 10 year fixed
Maximum LTV
60%
Initial rate
2.35% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 10 year fixed cashback remortgage
Maximum LTV
75%
Initial rate
2.35% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed cashback mortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.36% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.51% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
60%
Initial rate
2.51% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 10 year fixed
Maximum LTV
75%
Initial rate
2.66% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 10 year fixed
Maximum LTV
75%
Initial rate
2.75% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback mortgage for people with an existing current account
Maximum LTV
75%
Initial rate
2.76% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback mortgage for people with an existing current account
Maximum LTV
60%
Initial rate
2.86% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 10 year fixed cashback remortgage for people with an existing current account
Maximum LTV
75%
Initial rate
3.01% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed remortgage
Maximum LTV
75%
Initial rate
3.01% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 10 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
3.05% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 10 year fixed cashback remortgage
Maximum LTV
75%
Initial rate
3.1% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 10 year fixed cashback mortgage for people with an existing current account
Maximum LTV
75%
Initial rate
3.26% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 30 Nov 2026

- then 5.00% of amount paid, until 30 Nov 2027

- then 4.00% of amount paid, until 30 Nov 2028

- then 3.00% of amount paid, until 30 Nov 2029

- then 2.00% of amount paid, until 30 Nov 2030

- then 1.00% of amount paid, until 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Customer Typecurrent account
Existing Customer Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Yorkshire Building Society 10 year fixed for existing borrowers
Maximum LTV
65%
Initial rate
1.89% fixed until 29 Feb 2032
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
2.2% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion fee£1,995 with an option to add to the loan
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 28 Feb 2026

- then 4.00% of amount paid, until 29 Feb 2028

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.50% of amount paid, until 28 Feb 2031

- then 1.50% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 10 year fixed
Maximum LTV
60%
Initial rate
1.94% fixed until 29 Feb 2032
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 10 year fixed for first time buyers
Maximum LTV
60%
Initial rate
1.94% fixed until 29 Feb 2032
Subsequent rate (SVR)
2.59% base rate tracker
Overall cost for comparison
2.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 6.00% of amount paid, before 28 Feb 2027

- then 5.00% of amount paid, until 29 Feb 2028

- then 4.00% of amount paid, until 28 Feb 2029

- then 3.00% of amount paid, until 28 Feb 2030

- then 2.00% of amount paid, until 28 Feb 2031

- then 1.00% of amount paid, until 29 Feb 2032

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 10 year fixed
Maximum LTV
60%
Initial rate
1.95% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 10 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
1.95% fixed until 30 Nov 2031
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2031

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.65% APRC representative
Initial rate2.07% fixed for 2 years (24 instalments of £709.38pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £875.92pm)
Lender fee£549Total amount payable£259,327.90

Can you get a 10 year fixed rate mortgage?

Yes, there are lots of mortgage deals available that allow you to fix your rates and monthly payments for 10 years.

You can apply for a 10 year fixed rate mortgage if you decide it is the best mortgage deal for your circumstances. The mortgage provider then looks at your finances to decide if you can afford it.

How to find the best 10 year fixed rate mortgage

Use this comparison, which only includes mortgages available in the UK with a fixed interest rate that lasts for 10 years.

Find 10 year fixed mortgage rates by checking:

  • The interest rate, which affects how much your payments cost for the next ten years

  • The loan to value (LTV), i.e. the percentage of the property's value the mortgage covers

  • The fees and charges that you pay to take out the mortgage

You can use these mortgage deals to buy your first home, get a remortgage or move house.

Why get a 10 year fixed mortgage?

They come with an interest rate that will not change for 10 years. This means the amount you pay each month should not go up for a decade.

Even if the Bank of England base rate or your lender's standard variable rate (SVR) goes up, your mortgage payments remain the same.

This can make long term budgeting easier, especially if you would struggle to afford your monthly payment if it went up.

What are the drawbacks of a 10 year fixed rate mortgage?

The interest rate on a 10 year mortgage often starts off higher than other interest rate types. This means it might not be the best mortgage deal for you because you could end up with a more expensive mortgage if variable interest rates remain the same or go down.

You cannot switch to a cheaper deal until the end of the 10 year term unless you pay an early repayment charge. This can be very expensive, e.g. 3% of your mortgage balance.

What other fixed rate mortgages can you get?

You could get a shorter term fixed rate mortgage if 10 years is too long. If you want a cheaper mortgage, a shorter length could work out better for you. You can compare all fixed mortgages here or choose a deal with a rate fixed for:

Are all mortgage rates fixed?

No, if you do not want a fixed mortgage you could choose a different type of interest rate, including:

How to decide which type of interest rate is best

Where can I find the best 10 year fixed mortgage rates?

If you've decided a 10 year fixed rate mortgage is right for you, the next thing to do is to compare the deals on offer. How much you will pay will also depend on current mortgage interest rates and how expensive, or cheap, they are.

The best fixed rate mortgage for you will be one you can afford over the duration of the mortgage so you need to look at all the costs including any fees and interest payments. There is a lot of competition in the mortgage market so make sure you compare providers and offers before you sign on the dotted line.

10 year fixed rate mortgage FAQs

You can use our fixed rate mortgages comparison, which includes deals for one, two, three, five and ten years.

You then pay the lender's standard variable rate, which is usually higher. But you could switch to a new deal with a better rate.

Yes, but you are usually charged a fee to repay your mortgage or switch it to a new deal before the fixed rate ends.

Yes, some buy to let deals come with 10 year fixed rates. You can compare buy to let mortgages here.

Yes, every application for credit you make appears on your credit record, so avoid applying for several. Here is how your credit history works.

About our mortgage comparison

We include ten year fixed rate mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.

Last updated: 11 October, 2021

Explore mortgage guides

See more guides

A complete guide to buying a home

A complete guide to buying a home

The process of buying a house can take months, but knowing what to do and where to get help could make it quicker and easier. Here is what to do when you buy a home.

Read More
How much does it cost to buy a home?

How much does it cost to buy a home?

Your home could be the most expensive purchase you ever make. Here is how much you might spend and how to make sure you can afford a mortgage and all of the other costs.

Read More
Leasehold vs freehold

Leasehold vs freehold: Which should you get?

If you’re looking to buy a property in England or Wales, you’ll notice that they’re either listed as leasehold or freehold. But what’s the difference? We’re here to explain the terms, and share what they might mean for you as a property owner.

Read More

Why compare mortgages with money.co.uk?

Comparing mortgages could help you save money. Our award-winning loan comparison service makes sure you get our best interest rates. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.