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
NatWest 1.60% reverting to 4.24% 4.0% Fixed31/10/202180%To 31/10/2021 Booking £995
first direct 1.64% 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
Post Office Money® 1.78% reverting to 4.74% 4.3% Fixed30/06/202185%To 30/06/2021 Arrangement £995
Yorkshire Building Society 1.84% reverting to 4.25% 4.2% Fixed30/06/202190%To 30/06/2021 Completion £995
Post Office Money® 1.98% reverting to 4.74% 4.3% Fixed30/06/202175%To 30/06/2021 None
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Nationwide BS 3.34% reverting to 4.24% 4.2% Fixed2 years95%1st 2 yrs None
NatWest 1.52% reverting to 4.24% 4.0% Fixed31/10/202175%To 31/10/2021 Booking £995
Leeds BS 3.19% reverting to 4.69% 5.1% Fixed30/06/202185%To 30/06/2021 None
Clydesdale Bank 2.74% reverting to 5.20% 4.8% Fixed31/07/202185%1st 2 yrs None
Royal Bank of Scotland 3.03% reverting to 4.24% 4.1% Fixed31/10/202185%To 31/10/2021 None
Virgin Money 1.94% reverting to 4.99% 4.5% Fixed01/09/202185%To 01/09/2021 Arrangement £995

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% Fixed31/07/202275%To 31/07/2022 Arrangement £999
Yorkshire Building Society 1.89% reverting to 4.25% 4.1% Fixed30/06/202285%To 30/06/2022 Completion £995
Barclays Mortgage 2.09% reverting to 4.24% 3.8% Fixed31/07/202290%To 31/07/2022 Arrangement £999
Principality BS 2.15% reverting to 5.05% 4.4% Fixed31/07/202280%To 31/07/2022 None
Tesco Bank 2.35% reverting to 4.04% 3.7% Fixed31/08/202290%To 31/08/2022 None
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Nationwide BS 2.29% reverting to 4.24% 3.8% Fixed3 years85%1st 3 yrs None
Yorkshire Bank 2.34% reverting to 5.20% 4.5% Fixed31/07/202290%1st 3 yrs Arrangement £999

Best 5 year + fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Santander 1.89% reverting to 4.00% 3.2% Fixed02/08/202475%To 02/08/2024 Arrangement £999
Sainsbury's Bank 2.01% reverting to 4.49% 3.6% Fixed30/06/202480%To 30/06/2024 Arrangement £995
Yorkshire Building Society 2.10% reverting to 4.99% 3.8% Fixed30/06/202485%To 30/06/2024 Completion £995
Sainsbury's Bank 2.31% reverting to 4.49% 3.7% Fixed30/06/202490%To 30/06/2024 Arrangement £995
TSB 2.29% reverting to 4.24% 3.0% Fixed31/08/202960%To 31/08/2029 Arrangement £995
Coventry BS 2.59% reverting to 4.74% 3.4% Fixed30/06/202985%To 30/06/2029 Arrangement £999
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Nationwide BS 2.19% reverting to 4.24% 3.5% Fixed5 years75%1st 5 yrs None
first direct 2.39% reverting to 4.19% 3.4% Fixed5 years90%1st 5 yrs Booking £490
Nationwide BS 2.69% reverting to 4.24% 3.2% Fixed10 years60%1st 10 yrs Reservation £999
NatWest 3.20% reverting to 4.24% 3.9% Fixed31/10/202470%To 31/10/2024 None
Virgin Money 2.09% reverting to 4.99% 3.8% Fixed01/09/202475%To 01/09/2024 Arrangement £995
Post Office Money® 2.53% reverting to 4.74% 3.9% Fixed30/06/202490%To 30/06/2024 None
Leeds BS 3.89% reverting to 5.69% 5.0% Fixed30/06/202485%To 30/06/2024 None

Best buy tables as published by Moneyfacts