Fixed Mortgages

Fixed Mortgages

Fixed Mortgages - Fixed mortgages refer to mortgages whereby the interest rate remains the same throughout a specified period of the loan. As a result, if the Bank of England base rate or a lender’s variable rate increases, borrowers on fixed mortgages are still able to pay their lower fixed rates over the agreed time. Typically fixed mortgages last 2, 3 or 5 years and sometimes up to 25 years. This depends on the borrower’s individual needs and requirements and the packages offered by lenders.

Fixed mortgages allow borrowers to plan ahead without the financial instability caused by changes in their monthly repayments. A drawback of fixed mortgages is that borrowers on this plan do not benefit from any decreases in interest rates. Once the specified term of the contract comes to an end, remaining payments will often revert to the standard variable rate, although this differs between lenders.

As a mortgage broker specialising in fixed mortgages, we can offer you the advice and assistance you may require. We understand the advantages and disadvantages of the fixed mortgages available and can advise whether this type of mortgage may be suitable for you based on your circumstances and the alternative rates available. We offer a personalised, holistic service that is tailored around your individual needs and requirements. There can be a level of risk involved on fixed rate mortgages, particularly in long contracts, but we aim to help find you the best possible rates so that you can benefit financially in the long run.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Looking for fixed mortgages? Contact a member of our advisory team today.

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Residential - Purchase - Best 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
Monmouthshire BS 2 Year Fixed £999 Fee Purchase BMO1.35%Fixed2 years 4.99%4.5%APRC2 years £114980%
Product Code: 679
Product Name: 2 Year Fixed £999 Fee Purchase
Lender Code: BMO
Lender Name: Monmouthshire BS
Initial Pay Rate: 1.35
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.99
Apr Lenders: 4.5
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 475.44
Monthly Payment After Initial Period: 687.58
Fees Total: 1539.00
True Cost: 0.00
True Cost Over Initial Period: 11950.56
Cashback: 0.00
Valuation Fee: 240.00
Arrangement Fee: 999.00
Booking Fee: 150.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 75.00
Deeds Release Fee: 50.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 250.00
Lender Product Reference: F433
Detail
TSB Intermediary 2 Year Fixed £995 Fee Purchase TSB1.44%FixedJun-20203.99%3.7%APRC30-Jun-2020 £99560%
Product Code: 001WK7
Product Name: Intermediary 2 Year Fixed £995 Fee Purchase
Product Availability: Intermediaries Only
Lender Code: TSB
Lender Name: TSB
Initial Pay Rate: 1.44
Mortgage Class: Fixed
Initial Rate Period: Jun-2020
Initial Rate Period Months: 26
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 30-Jun-2020
Early Repayment Charge Period Sort Field: 1445
Initial Monthly Payment: 480.64
Monthly Payment After Initial Period: 624.47
Fees Total: 1211.00
True Cost: 0.00
True Cost Over Initial Period: 12677.64
Cashback: 0.00
Valuation Fee: 181.00
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: 15BA
Detail
Leeds BS 2 Year Fixed £999 Fee BLH1.44%FixedJun-20205.69%4.9%APRC30-Jun-2020 £99960%
Product Code: 002XKY
Product Name: 2 Year Fixed £999 Fee
Lender Code: BLH
Lender Name: Leeds BS
Initial Pay Rate: 1.44
Mortgage Class: Fixed
Initial Rate Period: Jun-2020
Initial Rate Period Months: 26
Standard Variable Rate: 5.69
Apr Lenders: 4.9
Early Repayment Charge Applies Until: 30-Jun-2020
Early Repayment Charge Period Sort Field: 1445
Initial Monthly Payment: 476.69
Monthly Payment After Initial Period: 719.24
Fees Total: 1233.00
True Cost: 0.00
True Cost Over Initial Period: 13591.94
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: 199.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 120.00
Lender Product Reference: 20114
Detail
Principality BS 2 Year Fixed £895 Fee BPR1.45%FixedMay-20204.9%4.4%APRC31-May-2020 £89565%
Product Code: 002ZHG
Product Name: 2 Year Fixed £895 Fee
Lender Code: BPR
Lender Name: Principality BS
Initial Pay Rate: 1.45
Mortgage Class: Fixed
Initial Rate Period: May-2020
Initial Rate Period Months: 25
Standard Variable Rate: 4.9
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 31-May-2020
Early Repayment Charge Period Sort Field: 1444
Initial Monthly Payment: 480.75
Monthly Payment After Initial Period: 681.20
Fees Total: 1391.00
True Cost: 0.00
True Cost Over Initial Period: 12493.75
Cashback: 0.00
Valuation Fee: 330.00
Arrangement Fee: 895.00
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: 11708
Detail
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.46%FixedJul-20203.99%3.6%APRC31-Jul-2020 £99975%
Product Code: 001BEQ
Product Name: 2 Year Fixed £999 Fee Purchase
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.46
Mortgage Class: Fixed
Initial Rate Period: Jul-2020
Initial Rate Period Months: 27
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Applies Until: 31-Jul-2020
Early Repayment Charge Period Sort Field: 1446
Initial Monthly Payment: 481.65
Monthly Payment After Initial Period: 623.91
Fees Total: 1114.00
True Cost: 0.00
True Cost Over Initial Period: 13119.55
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: 75
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: BP16
Detail
Virgin Money 2 Year Fixed £995 Fee Purchase BNR1.48%FixedJul-20204.79%4.3%APRC01-Jul-2020 £99565%
Product Code: 003RSV
Product Name: 2 Year Fixed £995 Fee Purchase
Lender Code: BNR
Lender Name: Virgin Money
Initial Pay Rate: 1.48
Mortgage Class: Fixed
Initial Rate Period: Jul-2020
Initial Rate Period Months: 26
Standard Variable Rate: 4.79
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 01-Jul-2020
Early Repayment Charge Period Sort Field: 1446
Initial Monthly Payment: 482.77
Monthly Payment After Initial Period: 674.12
Fees Total: 1263.00
True Cost: 0.00
True Cost Over Initial Period: 12520.02
Cashback: 300.00
Valuation Fee: 188.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 50.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 150.00
Lender Product Reference: 9RFS
Detail
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers Cashback BNW1.49%Fixed2 years 3.99%3.7%APRC2 years £99960%
Product Code: 318
Product Name: RETENTION 2 Year Fixed £999 Fee Existing Borrowers Cashback
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.49
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 483.43
Monthly Payment After Initial Period: 625.74
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11567.32
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: 124459
Detail
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers BiR BNW1.49%Fixed2 years 3.99%3.9%APRC2 years £99960%
Product Code: KMI
Product Name: RETENTION 2 Year Fixed £999 Fee Existing Borrowers BiR
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.49
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 483.43
Monthly Payment After Initial Period: 631.88
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11567.32
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: 150000.00
Legal Fee: 174.75
Lender Product Reference: 125065
Detail
Nationwide BS FTB 2 Year Fixed £999 Fee Cashback BNW1.49%Fixed2 years 3.99%3.7%APRC2 years £99960%
Product Code: N36
Product Name: FTB 2 Year Fixed £999 Fee Cashback
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.49
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.7
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 483.43
Monthly Payment After Initial Period: 625.74
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11167.32
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: 124439
Detail
Nationwide BS 2 Year Fixed £999 Fee Purchase BNW1.49%Fixed2 years 3.99%3.6%APRC2 years £99960%
Product Code: Q75
Product Name: 2 Year Fixed £999 Fee Purchase
Lender Code: BNW
Lender Name: Nationwide BS
Initial Pay Rate: 1.49
Mortgage Class: Fixed
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1443
Initial Monthly Payment: 483.43
Monthly Payment After Initial Period: 625.74
Fees Total: 1084.00
True Cost: 0.00
True Cost Over Initial Period: 11667.32
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: 124449
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: 0 Months; Product Term Period To: 300 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.