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
Yorkshire Building Society 1.54% reverting to 4.25% 4.2% Fixed30/06/202165%To 30/06/2021 Completion £995
first direct 1.65% reverting to 4.19% 3.7% Fixed2 years75%1st 2 yrs Booking £490, Upto £400000.00 Advance,Booking £980, £400001.00 - £800000.00 Advance,Booking £1470, £800001.00 - £1000000.00 Advance
Sainsbury's Bank 1.79% reverting to 4.49% 4.1% Fixed30/06/202175%To 30/06/2021 None
Post Office Money® 1.90% reverting to 4.74% 4.3% Fixed31/05/202185%To 31/05/2021 Arrangement £495
Sainsbury's Bank 1.94% reverting to 4.49% 4.1% Fixed30/06/202180%To 30/06/2021 None
Yorkshire Building Society 2.09% reverting to 4.25% 4.3% Fixed30/06/202190%To 30/06/2021 Completion £495
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Nationwide BS 2.04% reverting to 4.24% 4.0% Fixed2 years75%1st 2 yrs None
NatWest 2.94% reverting to 4.24% 4.1% Fixed30/06/202180%To 30/06/2021 None
Leeds BS 1.76% reverting to 4.69% 5.4% Fixed31/05/202175%To 31/05/2021 Arrangement £1999
Royal Bank of Scotland 2.45% reverting to 4.24% 4.0% Fixed30/06/202170%To 30/06/2021 None
Yorkshire Bank 1.99% reverting to 5.20% 4.8% Fixed31/05/202180%1st 2 yrs Arrangement £999

Best 3 year fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
HSBC 1.74% reverting to 4.19% 3.7% Fixed31/07/202275%To 31/07/2022 Booking £999
Barclays Mortgage 1.79% reverting to 4.24% 3.7% Fixed30/04/202275%To 30/04/2022 Arrangement £999
Coventry BS 1.89% reverting to 4.99% 4.2% Fixed30/06/202285%To 30/06/2022 Arrangement £999
Principality BS 2.15% reverting to 5.05% 4.4% Fixed30/06/202280%To 30/06/2022 None
Barclays Mortgage 2.09% reverting to 4.24% 3.8% Fixed30/04/202290%To 30/04/2022 Arrangement £999
Tesco Bank 2.35% reverting to 4.04% 3.7% Fixed30/06/202290%To 30/06/2022 None
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Nationwide BS 2.09% reverting to 4.24% 3.8% Fixed3 years75%1st 3 yrs None
Post Office Money® 1.78% reverting to 4.74% 4.3% Fixed31/05/202185%To 31/05/2021 Arrangement £995
Yorkshire Bank 2.19% reverting to 5.20% 4.5% Fixed31/05/202290%1st 3 yrs Arrangement £999

Best 5 year + fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Yorkshire Building Society 1.96% reverting to 4.99% 3.8% Fixed30/06/202475%To 30/06/2024 Completion £995
Halifax 2.03% reverting to 4.24% 3.5% Fixed31/05/202480%To 31/05/2024 Arrangement £995
Yorkshire Building Society 2.06% reverting to 4.99% 3.8% Fixed30/06/202485%To 30/06/2024 Completion £995
TSB 2.29% reverting to 4.24% 3.0% Fixed31/05/202960%To 31/05/2029 Arrangement £995
Barclays Mortgage 2.41% reverting to 4.24% 3.6% Fixed30/04/202490%To 30/04/2024 None
Coventry BS 2.55% reverting to 4.74% 3.4% Fixed30/06/202985%To 30/06/2029 Arrangement £999
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Nationwide BS 2.44% reverting to 4.24% 3.6% Fixed5 years75%1st 5 yrs None
first direct 2.25% reverting to 4.19% 3.3% Fixed5 years80%1st 5 yrs Booking £490, Upto £400000.00 Advance,Booking £980, £400001.00 - £800000.00 Advance,Booking £1470, £800001.00 - £1000000.00 Advance
Nationwide BS 2.79% reverting to 4.24% 3.2% Fixed10 years75%1st 10 yrs None
Clydesdale Bank 2.59% reverting to 5.20% 4.3% Fixed31/05/202475%1st 5 yrs Arrangement £999
NatWest 3.20% reverting to 4.24% 3.9% Fixed30/06/202470%To 30/06/2024 None
Virgin Money 2.09% reverting to 4.99% 3.8% Fixed01/07/202465%To 01/07/2024 None
Virgin Money 2.79% reverting to 4.74% 3.5% Fixed01/07/202975%To 01/07/2029 None
Post Office Money® 2.24% reverting to 4.74% 3.8% Fixed31/05/202475%To 31/05/2024 None
Yorkshire Bank 2.24% reverting to 5.20% 4.1% Fixed31/05/202485%1st 5 yrs Arrangement £999
Leeds BS 2.46% reverting to 5.69% 4.5% Fixed31/05/202475%To 31/05/2024 Arrangement £999

Best buy tables as published by Moneyfacts