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
Post Office Money® 1.23% reverting to 4.24% 3.8% Fixed30/11/201980%To 30/11/2019 Arrangement £995
AA Mortgages 1.22% reverting to 4.24% 3.8% Fixed30/11/201975%To 30/11/2019 Arrangement £495
Post Office Money® 1.73% reverting to 4.24% 3.8% Fixed30/11/201985%To 30/11/2019 None
Yorkshire BS 1.21% reverting to 4.74% 4.3% Fixed29/02/202065%To 29/02/2020 Completion £495
Hanley Economic BS 1.12% reverting to 4.94% 4.5% Fixed31/12/201975%To 31/12/2019 Arrangement £495, Booking £250
Yorkshire BS 1.89% reverting to 4.74% 4.4% Fixed29/02/202090%To 29/02/2020 Completion £995
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Yorkshire Bank 1.79% reverting to 4.70% 4.3% Fixed31/12/201980%1st 2 yrs Arrangement £999
Clydesdale Bank 1.89% reverting to 4.70% 4.2% Fixed31/12/201980%1st 2 yrs None
HSBC 1.39% reverting to 3.69% 3.4% Fixed31/12/201970%To 31/12/2019 Booking £999
Royal Bank of Scotland 1.65% reverting to 3.75% 3.5% Fixed29/02/202085%To 29/02/2020 Booking £995
first direct 2.24% reverting to 3.69% 3.5% Fixed2 years75%1st 2 yrs None
Nationwide BS 1.49% reverting to 3.74% 3.4% Fixed2 years75%1st 2 yrs Reservation £999
NatWest 2.35% reverting to 3.75% 3.6% Fixed29/02/202060%To 29/02/2020 None

Best 3 year fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Post Office Money® 1.45% reverting to 4.24% 3.6% Fixed30/11/202075%To 30/11/2020 Arrangement £995
Post Office Money® 1.63% reverting to 4.24% 3.5% Fixed30/11/202080%To 30/11/2020 Arrangement £995
Monmouthshire BS 1.40% reverting to 4.74% 4.0% Fixed3 years65%1st 3 yrs Arrangement £999
Principality BS 1.95% reverting to 4.74% 4.1% Fixed31/10/202085%To 31/10/2020 None
Principality BS 2.45% reverting to 4.74% 4.2% Fixed31/10/202090%To 31/10/2020 None
Hinckley & Rugby BS 2.19% reverting to 3.99% 4.6% Fixed3 years90%1st 3 yrs Completion £800, Arrangement £199
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Yorkshire Bank 2.49% reverting to 4.70% 4.2% Fixed31/12/202080%1st 3 yrs None
Clydesdale Bank 2.59% reverting to 4.70% 4.2% Fixed31/12/202085%1st 3 yrs None
HSBC 2.09% reverting to 3.69% 3.3% Fixed31/12/202085%To 31/12/2020 None
Nationwide BS 1.69% reverting to 3.74% 3.4% Fixed3 years75%1st 3 yrs Reservation £999

Best 5 year + fixed rate mortgages

LenderRateAPRTypeDurationMax LTVRedemptionFees
Barclays Mortgage 2.69% reverting to 3.74% 3.1% Fixed31/10/202780%To 31/10/2027 Arrangement £999
Metro Bank 1.69% reverting to 3.75% 3.0% Fixed5 years65%1st 5 yrs Booking £999
Barclays Mortgage 1.75% reverting to 3.74% 3.1% Fixed31/10/202275%To 31/10/2022 Arrangement £999
Coventry BS 2.75% reverting to 4.24% 3.3% Fixed31/12/202765%To 31/12/2027 Arrangement £999
Post Office Money® 2.11% reverting to 4.24% 3.5% Fixed30/11/202285%To 30/11/2022 None
Hinckley & Rugby BS 2.59% reverting to 5.64% 4.5% Fixed5 years90%1st 5 yrs Arrangement £199, Completion £800
  Featured products  
Yorkshire Bank 2.49% reverting to 4.70% 4.0% Fixed31/12/202275%1st 5 yrs Arrangement £999
Clydesdale Bank 2.59% reverting to 4.70% 3.9% Fixed31/12/202285%1st 5 yrs None
HSBC 1.79% reverting to 3.69% 3.1% Fixed31/12/202260%To 31/12/2022 Booking £749
Royal Bank of Scotland 2.48% reverting to 3.75% 3.6% Fixed28/02/202370%To 28/02/2023 Booking £995
first direct 1.99% reverting to 3.69% 2.9% Fixed5 years75%1st 5 yrs None
Nationwide BS 2.49% reverting to 3.74% 3.2% Fixed5 years75%1st 5 yrs Reservation £999
NatWest 1.83% reverting to 3.75% 3.2% Fixed28/02/202360%To 28/02/2023 Booking £995

Best buy tables as published by Moneyfacts