Best Fixed Rate Mortgage Deals

As an independent mortgage broker we can advise on the best fixed rate mortgage deals for you. We have access to the entire market and can do all the shopping around for you.

The fixed rate mortgage provides guaranteed monthly payments for a predetermined period. Since you are protected against rising interest rates, you can budget with confidence. Fixed rates are available for periods of between six months to 25 years, with two to five years being the most popular options. The popularity of fixed rates varies widely. In 1993, 55% of all mortgages taken out were on fixed rates. That dropped to an all-time low in 1996, when just 20% of homeloans were arranged on a fixed rate basis.

Fixed rate Incentives

Some lenders will offer a lower fixed rate to first-time buyers or those taking a larger loan. Or they may help towards legal and valuation fees.
There is, of course, the possibility that variable rates will fall below the fixed rate and you may be wary of being locked into a loan paying a higher rate.

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Best 2 year fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Sainsbury's Bank 1.34% reverting to 4.24% 3.8% Fixed31/03/202075%To 31/03/2020 Arrangement £745
Sainsbury's Bank 1.39% reverting to 4.24% 3.9% Fixed31/03/202080%To 31/03/2020 Arrangement £745
Sainsbury's Bank 1.74% reverting to 4.24% 3.9% Fixed31/03/202085%To 31/03/2020 None
Yorkshire BS 1.24% reverting to 4.99% 4.5% Fixed29/02/202065%To 29/02/2020 Completion £495
Hanley Economic BS 1.39% reverting to 5.19% 4.7% Fixed31/03/202075%To 31/03/2020 Arrangement £299, Booking £250
Hinckley & Rugby BS 2.14% reverting to 4.24% 4.9% Fixed2 years90%None None
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NatWest 2.40% reverting to 3.99% 3.8% Fixed30/04/202060%To 30/04/2020 None
first direct 1.39% reverting to 3.94% 3.5% Fixed2 years60%1st 2 yrs Booking £725, Upto £400000.00 Advance,Booking £1450, £400001.00 - £800000.00 Advance,Booking £2175,
Post Office Money® 1.78% reverting to 4.49% 4.1% Fixed29/02/202060%To 29/02/2020 None
HSBC 1.34% reverting to 3.94% 3.6% Fixed28/02/202060%To 28/02/2020 Booking £999
Royal Bank of Scotland 1.79% reverting to 3.99% 3.8% Fixed30/04/202060%To 30/04/2020 Booking £995
Nationwide BS 1.39% reverting to 3.99% 3.8% Fixed2 years60%1st 2 yrs Reservation £999
Yorkshire Bank 2.39% reverting to 4.95% 4.5% Fixed30/04/202075%1st 2 yrs None
Clydesdale Bank 2.39% reverting to 4.95% 4.5% Fixed30/04/202075%1st 2 yrs None
Virgin Money 1.74% reverting to 4.79% 4.2% Fixed01/05/202085%To 01/05/2020 Arrangement £995

Best 3 year fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Nationwide BS 1.69% reverting to 3.99% 3.6% Fixed3 years80%1st 3 yrs Reservation £999
Nationwide BS 1.74% reverting to 3.99% 3.6% Fixed3 years85%1st 3 yrs Reservation £999
HSBC 1.64% reverting to 3.94% 3.5% Fixed28/02/202175%To 28/02/2021 Booking £999
Barclays Mortgage 2.39% reverting to 3.99% 3.6% Fixed30/04/202190%To 30/04/2021 None
Coventry BS 1.69% reverting to 4.74% 3.9% Fixed31/03/202165%To 31/03/2021 Arrangement £999
Virgin Money 2.20% reverting to 4.79% 4.1% Fixed01/05/202190%To 01/05/2021 Arrangement £995
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Post Office Money® 1.87% reverting to 4.49% 3.8% Fixed28/02/202170%To 28/02/2021 Arrangement £1495
Yorkshire Bank 1.64% reverting to 4.95% 4.2% Fixed30/04/202180%1st 3 yrs Arrangement £1999
Clydesdale Bank 1.64% reverting to 4.95% 4.2% Fixed30/04/202180%1st 3 yrs Arrangement £1999
Virgin Money 1.88% reverting to 4.79% 4.0% Fixed01/05/202165%To 01/05/2021 None

Best 5 year + fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
TSB 2.34% reverting to 3.99% 3.0% Fixed31/01/202860%To 31/01/2028 Arrangement £995
Barclays Mortgage 2.69% reverting to 3.99% 3.2% Fixed30/04/202880%To 30/04/2028 Arrangement £999
HSBC 1.99% reverting to 3.94% 3.3% Fixed28/02/202380%To 28/02/2023 Booking £999
Principality BS 1.65% reverting to 4.90% 3.7% Fixed30/04/202365%To 30/04/2023 Arrangement £1395
Yorkshire BS 2.01% reverting to 4.99% 3.9% Fixed28/02/202385%To 28/02/2023 Completion £995
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NatWest 1.79% reverting to 3.99% 3.3% Fixed30/04/202360%To 30/04/2023 Booking £995
first direct 1.99% reverting to 3.94% 3.0% Fixed5 years60%1st 5 yrs None
Post Office Money® 2.28% reverting to 4.49% 3.7% Fixed28/02/202360%To 28/02/2023 None
HSBC 1.99% reverting to 3.94% 3.2% Fixed28/02/202360%To 28/02/2023 None
Royal Bank of Scotland 2.47% reverting to 3.99% 3.6% Fixed30/04/202360%To 30/04/2023 Booking £995
Nationwide BS 2.14% reverting to 3.99% 3.6% Fixed5 years60%1st 5 yrs Reservation £999
Yorkshire Bank 2.79% reverting to 4.95% 4.1% Fixed30/04/202375%1st 5 yrs None
Clydesdale Bank 2.49% reverting to 4.95% 4.1% Fixed30/04/202375%1st 5 yrs Arrangement £999, Upto £25K Advance,Arrangement £499, From £25001 Advance
Virgin Money 2.01% reverting to 4.79% 3.7% Fixed01/05/202365%To 01/05/2023 Arrangement £995

Best buy tables as published by Moneyfacts