5 Year Fixed Rates

5 Year Fixed Rates

5 Year Fixed Rates - 5 year fixed rates packages are solutions for individuals who wish for their interest rate to remain constant over 5 years. Mortgages on 5 year fixed rates offer borrowers the security of knowing the exact mortgage prepayments that will be made over the 5 year period thereby allowing them to budget and plan ahead for other finances. Generally people on tracker rates who wish to be protected against an interest rise may also opt for 5 year fixed rates deals to ensure their mortgage remains affordable to them during the term

As specialists in 5 year fixed rates applications, we realise that there are a growing number of clients who may have a problem in finding and obtaining a suitable fixed rate mortgage on the high street. We have committed ourselves to providing you with the best 5 year fixed rates options which are accessible online or over the phone with an adviser. We will discuss the pros and cons of the 5 year fixed rates options available. Then, based on your individual needs and requirements we can find you the best rate available. We also offer a follow up service where we contact clients before their fixed rate expires to arrange a suitable mortgage solution for you.

We offer a custom and personalised service to all our clients, ensuring high levels of customer service, which we expect to be mirrored with lenders we recommend

For more information on 5 year fixed rates, call a member of our advisory team.

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5 Year Fixed Rate Mortgage

5 year fixed rate mortgage packages offer borrowers a mortgage whereby the rate remains fixed for a 5 year period. Borrowers will pay regular monthly repayments on their 5 year fixed rate mortgage deal irrespective of any changes in the Bank of England Base Rate. This can be beneficial if the Bank of England Base rate increases, but disadvantageous if the rate decreases over the 5 year period. Once the 5 year fixed rate mortgage packages ends, borrowers will usually revert to their lender’s standard variable rate, but this varies between lenders. There are risks involved when agreeing to a 5 year fixed rate mortgage so it is important that borrowers are certain that this is the best option for them in the long run.

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Residential - Purchase - 5 Year Fixed Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Principality BS 5 Year Fixed £1395 Fee BPR1.65%FixedApr-20234.9%3.7%APRC30-Apr-2023 £139565%
Product Code: F80
Product Name: 5 Year Fixed £1395 Fee
Lender Code: BPR
Lender Name: Principality BS
Initial Pay Rate: 1.65
Mortgage Class: Fixed
Initial Rate Period: Apr-2023
Initial Rate Period Months: 63
Standard Variable Rate: 4.9
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 30-Apr-2023
Early Repayment Charge Period Sort Field: 1479
Initial Monthly Payment: 494.19
Monthly Payment After Initial Period: 658.65
Fees Total: 1891.00
True Cost: 0.00
True Cost Over Initial Period: 31608.97
Cashback: 0.00
Valuation Fee: 330.00
Arrangement Fee: 1395.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 21
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 145.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 150.00
Lender Product Reference: 11403
Detail
Coventry BS 5 Year Fixed £999 Fee BCV1.75%FixedMar-20234.49%3.5%APRC31-Mar-2023 £99965%
Product Code: 002RBI
Product Name: 5 Year Fixed £999 Fee
Lender Code: BCV
Lender Name: Coventry BS
Initial Pay Rate: 1.75
Mortgage Class: Fixed
Initial Rate Period: Mar-2023
Initial Rate Period Months: 62
Standard Variable Rate: 4.49
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 31-Mar-2023
Early Repayment Charge Period Sort Field: 1478
Initial Monthly Payment: 498.26
Monthly Payment After Initial Period: 636.24
Fees Total: 1132.00
True Cost: 0.00
True Cost Over Initial Period: 31025.12
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 8
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 125.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 117.43
Lender Product Reference: FHL60
Detail
Santander UK Plc 5 Year Fixed £999 Fee (Scottish) CAN1.79%FixedApr-20234.74%3.5%APRC02-Apr-2023 £99960%
Product Code: 001ECY
Product Name: 5 Year Fixed £999 Fee (Scottish)
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: Apr-2023
Initial Rate Period Months: 62
Standard Variable Rate: 4.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 02-Apr-2023
Early Repayment Charge Period Sort Field: 1479
Initial Monthly Payment: 500.58
Monthly Payment After Initial Period: 650.38
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 31295.96
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: KG44R / KG44V
Detail
Santander UK Plc 5 Year Fixed £999 Fee CAN1.79%FixedApr-20234.74%3.5%APRC02-Apr-2023 £99960%
Product Code: 001ECZ
Product Name: 5 Year Fixed £999 Fee
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: Apr-2023
Initial Rate Period Months: 62
Standard Variable Rate: 4.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 02-Apr-2023
Early Repayment Charge Period Sort Field: 1479
Initial Monthly Payment: 500.58
Monthly Payment After Initial Period: 650.38
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 31295.96
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: KG44R / KG44V
Detail
TSB Intermediary 5 Year Fixed £995 Fee Purchase TSB1.79%FixedJan-20233.99%3.3%APRC31-Jan-2023 £99560%
Product Code: 001WJC
Product Name: Intermediary 5 Year Fixed £995 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: TSB
Lender Name: TSB
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: Jan-2023
Initial Rate Period Months: 60
Standard Variable Rate: 3.99
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 31-Jan-2023
Early Repayment Charge Period Sort Field: 1476
Initial Monthly Payment: 500.71
Monthly Payment After Initial Period: 611.20
Fees Total: 1380.00
True Cost: 0.00
True Cost Over Initial Period: 30392.60
Cashback: 0.00
Valuation Fee: 350.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 0.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: INC996
Detail
Platform Intermediary 5 Year Fixed £1499 Fee CTS1.79%FixedApr-20234.74%3.7%APRC30-Apr-2023 £149960%
Product Code: 0023DP
Product Name: Intermediary 5 Year Fixed £1499 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: Apr-2023
Initial Rate Period Months: 63
Standard Variable Rate: 4.74
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 30-Apr-2023
Early Repayment Charge Period Sort Field: 1479
Initial Monthly Payment: 502.65
Monthly Payment After Initial Period: 652.44
Fees Total: 1659.00
True Cost: 0.00
True Cost Over Initial Period: 31576.95
Cashback: 250.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M1253
Detail
Santander UK Plc 5 Year Fixed £999 Fee Porting CAN1.79%FixedApr-20234.74%3.5%APRC02-Apr-2023 £99960%
Product Code: 002H71
Product Name: 5 Year Fixed £999 Fee Porting
Lender Code: CAN
Lender Name: Santander UK Plc
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: Apr-2023
Initial Rate Period Months: 62
Standard Variable Rate: 4.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 02-Apr-2023
Early Repayment Charge Period Sort Field: 1479
Initial Monthly Payment: 500.58
Monthly Payment After Initial Period: 650.38
Fees Total: 1259.00
True Cost: 0.00
True Cost Over Initial Period: 31295.96
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 225.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 184.75
Lender Product Reference: KG44V
Detail
Nationwide BS FTB 5 Year Fixed £999 Fee BNW1.79%Fixed5 years 3.99%3.3%APRC5 years £99960%
Product Code: GZA
Product Name: FTB 5 Year Fixed £999 Fee
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.99
Apr Lenders: 3.3
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1476
Initial Monthly Payment: 500.66
Monthly Payment After Initial Period: 611.15
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 29604.60
Cashback: 500.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 122115
Detail
Nationwide BS 5 Year Fixed £999 Fee Purchase BNW1.79%Fixed5 years 3.99%3.2%APRC5 years £99960%
Product Code: GZT
Product Name: 5 Year Fixed £999 Fee Purchase
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.99
Apr Lenders: 3.2
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1476
Initial Monthly Payment: 500.66
Monthly Payment After Initial Period: 611.15
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 30104.60
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 122125
Detail
Nationwide BS RETENTION 5 Year Fixed £999 Fee Existing Borrowers BNW1.79%Fixed5 years 3.99%3.2%APRC5 years £99960%
Product Code: HAN
Product Name: RETENTION 5 Year Fixed £999 Fee Existing Borrowers
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.79
Mortgage Class: Fixed
Initial Rate Period: 5 years
Initial Rate Period Months: 60
Standard Variable Rate: 3.99
Apr Lenders: 3.2
Early Repayment Charge Applies Until: 5 years
Early Repayment Charge Period Sort Field: 1476
Initial Monthly Payment: 500.66
Monthly Payment After Initial Period: 611.15
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 30004.60
Cashback: 100.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 65.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 174.75
Lender Product Reference: 122135
Detail

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

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: Fixed Offset: No Product Term Period From: 54 Months; Product Term Period To: 66 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.