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Fixed Rate
Mortgages
Compare top fixed rate Mortgage deals from the UK's leading lenders and find a solution that suits your needs. Simply choose from a range of providers below and call the number provided to find out the latest rates.
Search Mortgages
Editors Choice - NatWest Mortgages - Call 0800 158 2940
NatWest offer a comprehensive range of fixed, tracker, off-set and buy-to-let mortgages. Call NatWest on 0800 158 2940 to discuss (Lines open Mon-Fri 8am-8pm & Sat 9am-4pm)
Fixed rate for 2 years
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
 |
HSBC 2 Year Fixed Rate Mortgage
|
2.64%
|
Fixed for 2 Years
|
3.94% (variable)
|
3.90%
|
60%
|
£1,999
|
Call HSBC 0800 077 4255 Apply > |
 |
RBS 2 Year Fixed Rate
|
2.89%
|
Fixed for 2 Years
|
4% (variable)
|
3.80%
|
60%
|
£999
|
Call RBS 0800 068 7683 Apply > |
 |
NatWest 2 Year Fixed Rate Mortgage
|
2.99%
|
Fixed for 2 Years
|
4.1% (variable)
|
4.00%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
 |
Post Office 2 Year Fixed Rate Mortgage
|
3.09%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.40%
|
75%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
NatWest 2 Year Fixed Rate Mortgage
|
3.39%
|
Fixed for 2 Years
|
4% (variable)
|
4.10%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.49%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.50%
|
80%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.79%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.50%
|
85%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
2 Year Fixed-Rate NewBuy Scheme Mortgage
|
4.79%
|
Fixed for 2 Years
|
4% (variable)
|
4.30%
|
95%
|
£499
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
4.99%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.80%
|
90%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
2 Year Fixed Rate Mortgage
|
5.59%
|
Fixed for 2 Years
|
4% (variable)
|
4.50%
|
90%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
Fixed rate for 3 years
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
|
|
Post Office 3 Year Fixed Rate Mortgage
|
3.19%
|
Fixed for 3 Years
|
4.49% (variable)
|
4.30%
|
75%
|
£1,495
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 3 Year Fixed Rate Mortgage
|
3.69%
|
Fixed for 3 Years
|
4.49% (variable)
|
4.40%
|
80%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Post Office 3 Year Fixed Rate Mortgage
|
5.29%
|
Fixed for 3 Years
|
4.49% (variable)
|
4.90%
|
90%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
Fixed rate for 5 years
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
|
|
Post Office 5 Year Fixed Rate Mortgage
|
3.99%
|
Fixed for 5 Years
|
4.49% (variable)
|
4.50%
|
80%
|
£995
|
Call Post Office 0203 004 2012 |
|
|
NatWest 5 Year Fixed Rate Mortgage
|
4.49%
|
Fixed for 5 Years
|
4% (variable)
|
4.50%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
NatWest 5 Year Fixed Rate Mortgage
|
4.99%
|
Fixed for 5 Years
|
4% (variable)
|
4.70%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 5 Year Fixed Rate Mortgage
|
5.49%
|
Fixed for 5 Years
|
4.49% (variable)
|
5.10%
|
90%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.
The telephone-based mortgage advice service is provided by London & Country Mortgages Ltd., Beazer House, Lower Bristol Road, Bath, BA2 3BA. London & Country Mortgages Ltd are authorised and regulated by the Financial Services Authority. Their FSA number is 143002.
Fixed Rate Mortgages - What You Need To Know
A fixed rate mortgage is a type of loan that does not follow any changes to the Bank of England (BoE) base rate, meaning that once you lock in to paying a certain amount that is all you will pay for the term of your mortgage.
The fixed rate period attributed to a fixed mortgage will usually last between two and five years, however this can be longer.
At the end of the fixed rate period, the interest rate will revert to the lender’s standard variable rate. This will change from lender to lender so is an important point to note when choosing a mortgage.
However, if you decide to cancel your fixed rate mortgage before the end of this fixed period, you will receive a penalty in the form of an early redemption fee. This will usually be between 1 and 5% of the cost of the mortgage.
Advantages
One of the major advantages to a fixed rate mortgage is that with this type of loan you are protected from any sudden changes in the BoE base rate. This means that, even if the base rate goes up, you will be paying the same amount each month.
Another advantage, which will appeal to those on a smaller income particularly, is that having a set amount to pay back each month makes it easier to budget around the home.
The lower interest rates in the first few years of the mortgage will also help to free up some money that may have otherwise been used if a similar tracker mortgage had been taken out instead. This could help to furnish your new home or simply just make it easier to live.
Disadvantages
However, like with any mortgage there are some disadvantages.
With the early redemption charges that are found with most fixed rate mortgages, you will not be able to change your mortgage without having to pay a fee, which could equal up to six months worth of repayments.
This may mean that you lose the opportunity to switch to a more competitive interest rate during this period and therefore become trapped in a mortgage that isn’t providing the best deal for you.
Most fixed rate mortgages will charge an application fee when it is being arranged.
As always, we recommend that you seek professional advice if you are unsure which type of mortgage is right for you and that all of the information provided above is for use as an overview only and should not be the basis for your mortgage decision.
Latest Fixed Rate Mortgage News 
-
A lender has added to its home loan range. Consumers looking for the security of a long-term fixed rate mortgage may be interested in a new home ...Tue 16th Aug, 2011 -
Fixed rate mortgages will be more popular than tracker home loans in the coming months, an expert believes. Fixed rate home loans will remain ...Mon 8th Aug, 2011 -
Home buyers might be interested in the new products. Individuals seeking mortgages could be interested in new products introduced by Yorkshire ...Fri 22nd Jul, 2011 -
Fixed rate mortgages are becoming more popular, it has been said. Fixed rate home loan deals are more popular among Britons than their tracker ...Mon 21st Mar, 2011 -
An expert has spoken about the benefits of fixed rate mortgages. Fixed rate home loan deals as opposed to tracker mortgages may be a better ...Fri 11th Mar, 2011 -
Fixed rate mortgage rates have reached their highest level in six months, according to a report by Moneyfacts.co.uk. Home loan customers looking ...Wed 9th Feb, 2011
