Compare Fixed Rate Mortgages

Fixed Rate Mortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	Chelsea Building Society 2yr 1.74% Fixed LTV 60% Direct + More Details	Fixed	1.74%	31/07/2015	5.79%	5.20%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.74% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr 1.74% Fxd LTV 60% Direct + More Details	Fixed	1.74%	31/10/2015	4.00%	4.00%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 1.74% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 4.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr 1.74% Fxd LTV 60% Ex/B Direct + More Details	Fixed	1.74%	31/10/2015	4.00%	Pending	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Shared Ownership no Initial Rate 1.74% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 1.79% Fixed LTV 60% Direct - High Fee + More Details	Fixed	1.79%	30/06/2015	4.99%	4.60%	60%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.79% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 1.89% Fixed LTV 60% Special Direct + More Details	Fixed	1.89%	31/08/2015	3.94%	3.80%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 1.89% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 1.89% Fixed LTV 60% Direct + More Details	Fixed	1.89%	30/06/2015	4.99%	4.60%	60%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.89% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Abbey (Santander) 2yr 1.94% Fxd H/P C/B LTV 60% Semi Exclusive + More Details	Fixed	1.94%	02/07/2015	4.74%	4.40%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 1.94% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Abbey (Santander) 2yr 1.94% Fxd R/M C/B LTV 60% Semi Exclusive + More Details	Fixed	1.94%	02/07/2015	4.74%	4.30%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 1.94% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Abbey (Santander) 2yr 1.94% Fxd R/M LTV 60% Semi Exclusive + More Details	Fixed	1.94%	02/07/2015	4.74%	4.30%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 1.94% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society Flexi 2yr 1.94% Fixed Offset LTV 60% Direct + More Details	Fixed	1.94%	31/07/2015	5.79%	5.20%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.94% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.20% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 1.99% Fixed LTV 60% Direct + More Details	Fixed	1.99%	31/07/2016	5.79%	4.90%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.99% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 1.99% Fxd Offset LTV 60% Dir - High Fee + More Details	Fixed	1.99%	30/06/2015	4.99%	4.60%	60%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 1.99% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.09% Fixed Offset LTV 60% Direct + More Details	Fixed	2.09%	30/06/2015	4.99%	4.60%	60%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.09% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 3yr 2.19% Fixed Offset LTV 60% Direct + More Details	Fixed	2.19%	31/07/2016	5.79%	5.00%	60%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.19% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.19% Fixed H/P LTV 60% Direct + More Details	Fixed	2.19%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.19% Fixed R/M LTV 60% Direct + More Details	Fixed	2.19%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.19% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 2.24% Fixed LTV 75% Direct + More Details	Fixed	2.24%	31/07/2015	5.79%	5.30%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.24% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr 2.29% Fixed H/P C/B LTV 60% + More Details	Fixed	2.29%	02/07/2015	4.74%	4.40%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.29% Fixed R/M C/B LTV 60% + More Details	Fixed	2.29%	02/07/2015	4.74%	4.30%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.29% Fixed LTV 75% Direct + More Details	Fixed	2.29%	30/06/2015	4.99%	4.60%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.29% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	NatWest 2yr 2.34% Fxd LTV 70% Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	3.80%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	NatWest 2yr 2.34% Fxd LTV 70% Ex/B Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	Pending	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr 2.34% Fxd LTV 70% Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	3.80%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 2yr 2.34% Fxd LTV 70% Ex/B Direct + More Details	Fixed	2.34%	31/10/2015	4.00%	Pending	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership no Initial Rate 2.34% Initial Term 31/10/2015 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Post Office Ltd 2yr 2.35% Fixed BBR LTV 60% + More Details	Fixed	2.35%	31/05/2015	4.49%	4.30%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.35% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed H/P C/B LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M C/B LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.39% Fixed H/P Offset LTV 60% Direct + More Details	Fixed	2.39%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 2yr 2.39% Fixed R/M Offset LTV 60% Direct + More Details	Fixed	2.39%	30/06/2015	4.99%	4.60%	60%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.39% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 3yr 2.44% Fixed LTV 75% Direct + More Details	Fixed	2.44%	31/07/2016	5.79%	5.00%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.44% Initial Term 31/07/2016 Final Rate 5.79% Overall Cost for Comparison 5.00% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 2.44% Fixed Offset LTV 75% Direct + More Details	Fixed	2.44%	31/07/2015	5.79%	5.30%	75%	£1675	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.44% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Santander UK plc 2yr 2.44% Fixed H/P C/B LTV 70% + More Details	Fixed	2.44%	02/07/2015	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.44% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.44% Fixed R/M C/B LTV 70% + More Details	Fixed	2.44%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 032 4610
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.44% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Rollover 1yr 2.44% Fixed R/M LTV 35% Direct + More Details	Fixed	2.44%	30/06/2014	4.99%	4.90%	35%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 65% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 65% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.44% Initial Term 30/06/2014 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 3yr 2.45% Fixed BBR LTV 60% + More Details	Fixed	2.45%	31/05/2016	4.49%	4.20%	60%	£1495	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership no Initial Rate 2.45% Initial Term 31/05/2016 Final Rate 4.49% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 5yr 2.49% Fixed LTV 60% Special Direct + More Details	Fixed	2.49%	31/08/2018	3.94%	3.60%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £250000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £250000 Shared Ownership yes Initial Rate 2.49% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Yorkshire Building Society Flexi 2yr 2.49% Fixed Offset LTV 75% Direct + More Details	Fixed	2.49%	30/06/2015	4.99%	4.70%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.49% Initial Term 30/06/2015 Final Rate 4.99% Overall Cost for Comparison 4.70% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Flexi 3yr 2.49% Fixed LTV 75% Direct + More Details	Fixed	2.49%	30/06/2016	4.99%	4.40%	75%	£975	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.49% Initial Term 30/06/2016 Final Rate 4.99% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 2.54% Fixed H/P C/B LTV 75% Direct + More Details	Fixed	2.54%	31/07/2015	5.79%	5.30%	75%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: yes Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.54% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society 2yr 2.54% Fixed R/M LTV 75% Direct + More Details	Fixed	2.54%	31/07/2015	5.79%	5.30%	75%	£875	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.54% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Yorkshire Building Society Rollover 1yr 2.54% Fxd C/B R/M LTV 35% Branch + More Details	Fixed	2.54%	30/06/2014	4.99%	4.90%	35%	£475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 65% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 65% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.54% Initial Term 30/06/2014 Final Rate 4.99% Overall Cost for Comparison 4.90% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Post Office Ltd 2yr 2.55% Fixed BBR LTV 75% + More Details	Fixed	2.55%	31/05/2015	4.49%	4.30%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership no Initial Rate 2.55% Initial Term 31/05/2015 Final Rate 4.49% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Chelsea Building Society 2yr 2.59% Fixed FTB LTV 75% Direct + More Details	Fixed	2.59%	31/07/2015	5.79%	5.30%	75%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan no
	Chelsea Building Society Flexi 2yr 2.59% Fixed Offset FTB LTV 75% Direct + More Details	Fixed	2.59%	31/07/2015	5.79%	5.30%	75%	£1475	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £5000000 First time buyer: yes Homemover: no Remortgage: no
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £5000000 Shared Ownership no Initial Rate 2.59% Initial Term 31/07/2015 Final Rate 5.79% Overall Cost for Comparison 5.30% Product Type Fixed Current Account/Offset offset Overpayments Allowed? yes Early Repayment Charge yes Application Fee Added to Loan no
	HSBC 2yr 2.59% Fixed LTV 60% Fee Free Special + More Details	Fixed	2.59%	31/08/2015	3.94%	3.80%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 2.59% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	NatWest 5yr 2.59% Fxd LTV 60% Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	3.80%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	NatWest 5yr 2.59% Fxd LTV 60% Ex/B Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	Pending	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Royal Bank of Scotland 5yr 2.59% Fxd LTV 60% Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	3.80%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Royal Bank of Scotland 5yr 2.59% Fxd LTV 60% Ex/B Direct + More Details	Fixed	2.59%	31/10/2018	4.00%	Pending	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 096 7446
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Shared Ownership no Initial Rate 2.59% Initial Term 31/10/2018 Final Rate 4.00% Overall Cost for Comparison Pending Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Fixed rate mortgages

A fixed rate mortgage has all kind of benefits. By agreeing the interest rate that you'll pay for a set length of time, you'll be able to plan your finances better and sleep safe in the knowledge that your payments aren't about to go through the roof.

What's more, fixed rates are often used by the bank as a tempter to get your business, with lower rates available than what's on offer with variable interest deals.

The downside, in the vast majority of cases, is that you won't be able to move your mortgage to another lender during your agreed period without incurring a hefty penalty.

The interest rate, the length of the term and the arrangement fee that you have to pay on agreeing the mortgage should all be central in your considerations. If you get a low interest rate but pay a high fee upfront, it could work out more expensive than choosing a slightly higher rate.

The APR or overall cost of comparison figure alongside the fixed rate is an indication of what you'll pay over the whole length of the mortgage. It takes into account the variable rate that the mortgage reverts to after the fixed term ends and any fees that you have to pay.

Fixed terms can range from anywhere between one and five years.

Remember, you face the possibility of paying another arrangement fee every time you agree a new deal. Keep this in mind if you're tempted by a low rate over a short length of time.

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