Fixed Rate Mortgage Rates

A fixed rate mortgage guarantees the interest rate on the loan won’t increase for a set period of time, usually 2 or 5 years depending on the lender.

The downside with a fixed rate mortgage can be when interest rates drop and borrowers find themselves stuck on a higher rate than others.

Once a mortgage comes to the end of it’s fixed rate period the borrower will be pay the standard variable rate, which is usually either the Libor or Bank of England base rate.

The tables below shows some fixed rate mortgages being offered currently however there may be others which are better suited to your circumstances.

If you are unsure about the rate or believe you could get a better than than those below, call our mortgage adviser who will be happy to help you.

2 Years Fixed Rate

Mortgage Lender
Initial Interest Rate
After Initial Rate
Overall APR
Loan to Value
Fees
Help To Buy
 
Lloyds TSB1.54% Until May 20163.99%3.7% APR 60%
£1,995n/aApply for Mortgage
RBS2.49% Until July 20164%3.9% APR60%£0n/aApply for Mortgage
Natwest4.99% Until July 20164%4.3% APR 95%£0Mortgage GuranteeApply for Mortgage
Halifax1.84% Until May 2016 3.99%3.8% APR60%£995n/aApply for Mortgage
Post Office1.88% Until March 20164.49%4.2% APR75%£1,445n/aApply for Mortgage
Clydesdale 2.19% Until 30th April 20164.95% 4.6% APR60%£999 Maxn/aClydesdale Bank Mortgage

5 Years Fixed Rate

Mortgage Lender
Initial Interest Rate
After Initial Rate
Overall APR Comparison
Loan To Value
Fees
 
TSB3.19% Fixed until 31 May 2019
3.99%
3.8% APR
60%
£995Apply for Mortgage
RBS3.25% Fixed until 31 July 2019
4%
3.9% APR
60%
£0Apply for Mortgage
Post Office3.25% fixed until 31 March 2019
4.49%
4.2% APR
75%

£0Apply for Mortgage
Halifax3.39% fixed until 31 May 2019
3.99%
3.9% APR
60%
£0Apply for Mortgage
Clydesdale3.29% Fixed until 30 April 2019
4.95%
5% APR
60%£999 MaxClydesdale Bank Mortgage

Mortgage Payment Calculator

If you are unsure which fixed rate mortgage is most suited to your needs, either speak with our mortgage adviser or use our mortgage payment calculator.

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