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 1.43% reverting to 4.25% 4.2% Fixed31/12/202065%To 31/12/2020 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 1.69% reverting to 4.49% 4.1% Fixed31/12/202085%To 31/12/2020 Arrangement £995
Hanley Economic BS 1.74% reverting to 5.44% 4.9% Fixed31/01/202180%To 31/01/2021 Booking £299
Skipton BS 1.76% reverting to 4.99% 4.6% Fixed31/01/202175%To 31/01/2021 Completion £995
Yorkshire Bank 1.79% reverting to 5.20% 4.7% Fixed31/01/202190%1st 2 yrs Arrangement £999
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NatWest 1.49% reverting to 4.24% 4.0% Fixed31/03/202160%To 31/03/2021 Booking £995
Royal Bank of Scotland 1.49% reverting to 4.24% 4.0% Fixed31/03/202160%To 31/03/2021 Booking £995
AA Mortgages 1.84% reverting to 4.74% 4.2% Fixed31/12/202060%To 31/12/2020 None

Best 3 year fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Leeds BS 1.69% reverting to 4.69% 4.7% Fixed31/01/202275%To 31/01/2022 Arrangement £999
HSBC 1.75% reverting to 4.19% 3.7% Fixed31/01/202270%To 31/01/2022 Booking £999
Coventry BS 1.89% reverting to 4.99% 4.1% Fixed31/12/202185%To 31/12/2021 Arrangement £999
HSBC 2.19% reverting to 4.19% 3.7% Fixed31/01/202280%To 31/01/2022 None
Yorkshire Bank 2.19% reverting to 5.20% 4.8% Fixed31/01/202290%1st 3 yrs Arrangement £999
Hanley Economic BS 2.24% reverting to 5.44% 4.8% Fixed30/11/202190%To 30/11/2021 Booking £299
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Post Office Money® 2.33% reverting to 4.74% 4.2% Fixed31/01/202275%To 31/01/2022 None
AA Mortgages 2.70% reverting to 4.74% 4.3% Fixed31/12/202190%To 31/12/2021 None
Clydesdale Bank 2.19% reverting to 5.20% 4.5% Fixed31/01/202290%1st 3 yrs Arrangement £999
Virgin Money 2.22% reverting to 4.99% 4.5% Fixed01/03/202190%To 01/03/2021 None

Best 5 year + fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Sainsbury's Bank 1.94% reverting to 4.49% 3.6% Fixed31/12/202375%To 31/12/2023 Arrangement £995
Metro Bank 2.04% reverting to 4.25% 3.5% Fixed5 years80%1st 5 yrs Booking £499
M&S Bank 2.04% reverting to 4.19% 3.5% Fixed31/01/202485%To 31/01/2024 Booking £995, Reservation £99
first direct 2.25% reverting to 4.19% 3.3% Fixed5 years90%1st 5 yrs Booking £490, Upto £400000.00 Advance,Booking £980, £400001.00 - £800000.00 Advance,Booking £1470, £800001.00 - £1000000.00 Advance
first direct 2.44% reverting to 4.19% 2.8% Fixed10 years60%1st 10 yrs None
Coventry BS 2.65% reverting to 4.74% 3.4% Fixed31/12/202885%To 31/12/2028 Arrangement £999
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NatWest 1.99% reverting to 4.24% 3.5% Fixed31/03/202475%To 31/03/2024 Booking £995
Virgin Money 2.02% reverting to 4.99% 3.8% Fixed01/03/202470%To 01/03/2024 Arrangement £995
Virgin Money 2.59% reverting to 4.74% 3.4% Fixed01/03/202965%To 01/03/2029 Arrangement £995
Post Office Money® 2.62% reverting to 4.74% 4.0% Fixed31/01/202485%To 31/01/2024 None
AA Mortgages 2.53% reverting to 4.74% 3.9% Fixed31/12/202360%To 31/12/2023 None
Yorkshire Bank 2.24% reverting to 5.20% 4.0% Fixed31/01/202475%1st 5 yrs None
Clydesdale Bank 2.39% reverting to 5.20% 4.2% Fixed31/01/202490%1st 5 yrs Arrangement £999
Leeds BS 2.13% reverting to 5.69% 4.4% Fixed31/01/202475%To 31/01/2024 Arrangement £999

Best buy tables as published by Moneyfacts