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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Lender	Rate	APR	Type	Duration	Max LTV	Redemption	Fees
Yorkshire Building Society	2.94% Reverting to 4.99%	4.7%	Fixed	28/02/2014	75%	To 28/02/2014	Arrangement £300, Booking £195
Norwich & Peterborough Building Society	3.09% Reverting to 4.99%	4.8%	Fixed	2 years	75%	1st 2 yrs	Reservation £295
Market Harborough Building Society	3.20% Reverting to 5.49%	5.2%	Fixed	28/02/2014	80%	To 28/02/2014	Booking £95, Arrangement £400
Hanley Economic Building Society	3.34% Reverting to 5.19%	5.1%	Fixed	30/04/2014	85%	To 30/04/2014	Arrangement £300, Booking £195
first direct	4.19% Reverting to 3.69%	4.0%	Fixed	2 years	90%	1st 2 yrs	Booking £999
HSBC	4.49% Reverting to 3.94%	4.2%	Fixed	31/05/2014	90%	To 31/05/2014	Booking £599

Lender	Rate	APR	Type	Duration	Max LTV	Redemption	Fees
Norwich & Peterborough Building Society	3.14% Reverting to 4.99%	4.7%	Fixed	3 years	75%	1st 3 yrs	Reservation £795
Yorkshire Building Society	3.19% Reverting to 4.99%	4.6%	Fixed	28/02/2015	75%	To 28/02/2015	Arrangement £300, Booking £195
Vernon Building Society	3.29% Reverting to 4.99%	4.8%	Fixed	31/03/2015	80%	To 31/03/2015	Arrangement £499
Yorkshire Building Society	3.89% Reverting to 4.99%	4.9%	Fixed	28/02/2015	85%	To 28/02/2015	Arrangement £300, Booking £195
Yorkshire Building Society	4.69% Reverting to 4.99%	5.1%	Fixed	28/02/2015	90%	To 28/02/2015	Arrangement £300, Booking £195
Mansfield Building Society	5.49% Reverting to 5.59%	5.8%	Fixed	3 years	95%	1st 3 yrs	Arrangement £999

Lender	Rate	APR	Type	Duration	Max LTV	Redemption	Fees
The Co-operative Bank	3.59% Reverting to 4.24%	4.3%	Fixed	30/04/2017	75%	To 30/04/2017	none
Market Harborough Building Society	3.99% Reverting to 5.49%	5.0%	Fixed	28/02/2017	80%	To 28/02/2017	Booking £95, Arrangement £150
Yorkshire Building Society	4.29% Reverting to 4.99%	4.8%	Fixed	28/02/2017	85%	To 28/02/2017	Arrangement £300, Booking £195
first direct	4.99% Reverting to 3.69%	4.3%	Fixed	5 years	90%	1st 5 yrs	none
Skipton Building Society	5.99% Reverting to 4.95%	5.5%	Fixed	30/04/2017	95%	To 30/04/2017	Booking £195
Norwich & Peterborough Building Society	3.99% Reverting to 4.99%	4.5%	Fixed	10 years	75%	1st 10 yrs	Reservation £295
Sponsored Products
Woolwich from Barclays	5.99% Reverting to 3.89%	4.6%	Fixed	28/02/2015	90%	To 28/02/2015	Arrangement £499

Best buy tables as published by Moneyfacts