Compare Fixed Rate Mortgages

Fixed Rate Mortgages

		Mortgage Type Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Tracker: The interest rate rises and falls with the Bank of England base rate. Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR). 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. Buy to Let: For landlords purchasing a property for letting.	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 The interest rate that your mortgage will revert to after any introductory rates have finished.	APR This is the mortgage’s Annual Percentage Rate: the interest rate that you will be charged on your mortgage including all charges such as arrangement fees (also referred to as Cost For Comparison).	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.
	HSBC 2yr 2.24% Fixed LTV 60% Special Direct [Show Details]	Fixed	2.24%	31/05/2014	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 4283
	Santander UK plc 2yr 2.35% Fixed LTV 60% Direct [Show Details]	Fixed	2.35%	02/04/2014	4.24%	4.10%	60%	£1995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £350000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 032 4610
	Chelsea Building Society 2yr 2.79% Fixed LTV 70% Direct [Show Details]	Fixed	2.79%	31/03/2014	5.79%	5.50%	70%	£1895	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: yes
	NatWest 2yr 2.85% Fixed H/P LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.10%	60%	£999	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: no Call Direct 0800 158 2907
	NatWest 2yr 2.85% Fxd R/M LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.00%	60%	£999	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: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 2.85% Fixed H/P LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.10%	60%	£999	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: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 2.85% Fxd R/M LTV 60% Direct [Show Details]	Fixed	2.85%	31/03/2014	4.00%	4.00%	60%	£999	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: yes Call Direct 0800 068 7678
	NatWest 2yr 2.89% Fxd LTV 60% Direct Ex/B [Show Details]	Fixed	2.89%	31/03/2014	4.00%	3.80%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 2.89% Fxd H/P LTV 60% "Main A/C" Ex/C Dir [Show Details]	Fixed	2.89%	31/03/2014	4.00%	4.00%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 2.89% Fxd LTV 60% Ex/B Direct [Show Details]	Fixed	2.89%	31/03/2014	4.00%	3.90%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 2.89% Fxd R/M LTV 60% "Main A/C" Ex/C Dir [Show Details]	Fixed	2.89%	31/03/2014	4.00%	3.90%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Chelsea Building Society 2yr 2.94% Fixed LTV 70% Direct [Show Details]	Fixed	2.94%	31/03/2014	5.79%	5.50%	70%	£395	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: yes
	Chelsea Building Society 3yr 2.94% Fixed LTV 70% Direct [Show Details]	Fixed	2.94%	31/03/2015	5.79%	5.30%	70%	£1895	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: yes
	Chelsea Building Society Flexi 2yr 2.99% Fixed Offset LTV 70% Direct [Show Details]	Fixed	2.99%	31/03/2014	5.79%	5.50%	70%	£1895	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: yes
	HSBC 2yr 2.99% Fixed LTV 70% Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£599	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: yes Call Direct 0800 077 4283
	HSBC 2yr 2.99% Fxd LTV 70% Ex/C Advanced Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	HSBC 2yr 2.99% Fxd LTV 70% Ex/C Premier Direct [Show Details]	Fixed	2.99%	31/05/2014	3.94%	3.90%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4283
	Available for existing HSBC customers only.
	Santander UK plc 2yr 2.99% Fixed H/P C/B LTV 60% Direct [Show Details]	Fixed	2.99%	02/04/2014	4.24%	4.20%	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
	NatWest 2yr 3.05% Fxd LTV 60% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.05%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	NatWest 2yr 3.05% Fxd LTV 70% Direct Ex/B [Show Details]	Fixed	3.05%	31/03/2014	4.00%	4.00%	70%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.05% Fxd LTV 60% Ex/B Main A/C Direct [Show Details]	Fixed	3.05%	31/03/2014	4.00%	3.90%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 3.05% Fxd LTV 70% Ex/B Direct [Show Details]	Fixed	3.05%	31/03/2014	4.00%	4.00%	70%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	NatWest 2yr 3.09% Fixed H/P LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.10%	75%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
	NatWest 2yr 3.09% Fxd LTV 75% Direct Ex/B [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	NatWest 2yr 3.09% Fxd R/M LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 3.09% Fixed H/P LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.10%	75%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 3.09% Fxd LTV 75% Ex/B Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 3.09% Fxd R/M LTV 75% Direct [Show Details]	Fixed	3.09%	31/03/2014	4.00%	4.00%	75%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Woolwich (Barclays) Openplan 2yr 3.09% Fixed BBR R/M C/B Ex/C LTV 60% [Show Details]	Fixed	3.09%	28/02/2014	3.89%	3.90%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
	Woolwich (Barclays) Openplan FM 2yr 3.09% Fixed BBR LTV 60% [Show Details]	Fixed	3.09%	28/02/2014	3.89%	3.90%	60%	£999	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 Call Direct 0845 070 1569
	NatWest 2yr 3.10% Fxd LTV 60% Direct Ex/B [Show Details]	Fixed	3.10%	31/03/2014	4.00%	4.00%	60%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.10% Fxd LTV 60% Ex/B Direct [Show Details]	Fixed	3.10%	31/03/2014	4.00%	4.00%	60%	£999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 40% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Chelsea Building Society 3yr 3.14% Fixed LTV 70% Direct [Show Details]	Fixed	3.14%	31/03/2015	5.79%	5.30%	70%	£395	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: yes
	Chelsea Building Society Flexi 2yr 3.14% Fixed Offset LTV 70% Direct [Show Details]	Fixed	3.14%	31/03/2014	5.79%	5.50%	70%	£395	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: yes
	NatWest 2yr 3.15% Fixed H/P LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	4.00%	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% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 158 2907
	NatWest 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	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% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 158 2907
	Royal Bank of Scotland 2yr 3.15% Fixed H/P LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	4.00%	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% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Royal Bank of Scotland 2yr 3.15% Fxd R/M LTV 60% Direct No Fee [Show Details]	Fixed	3.15%	31/03/2014	4.00%	3.90%	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% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Chelsea Building Society 5yr 3.19% Fixed LTV 70% Direct [Show Details]	Fixed	3.19%	31/03/2017	5.79%	4.90%	70%	£1495	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: yes
	Santander UK plc 2yr 3.19% Fixed H/P C/B LTV 75% Direct [Show Details]	Fixed	3.19%	02/04/2014	4.24%	4.20%	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: no Call Direct 0800 032 4610
	Santander UK plc 2yr 3.19% Fixed R/M C/B LTV 60% Direct [Show Details]	Fixed	3.19%	02/04/2014	4.24%	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
	Santander UK plc 2yr 3.19% Fixed R/M LTV 60% Direct [Show Details]	Fixed	3.19%	02/04/2014	4.24%	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
	NatWest 2yr 3.20% Fxd LTV 70% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.20% Fxd H/P LTV 75% "Main A/C" Ex/C [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	75%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 3.20% Fxd LTV 70% Ex/B Main A/C Direct [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	Royal Bank of Scotland 2yr 3.20% Fxd R/M LTV 75% "Main A/C" Ex/C [Show Details]	Fixed	3.20%	31/03/2014	4.00%	3.90%	75%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	NatWest 2yr 3.25% Fxd LTV 75% Direct Ex/B Main Bank A/C [Show Details]	Fixed	3.25%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 158 2907
	Available for existing NatWest customers only.
	Royal Bank of Scotland 2yr 3.25% Fxd LTV 75% Ex/B Main A/C Direct [Show Details]	Fixed	3.25%	31/03/2014	4.00%	4.00%	75%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: no Call Direct 0800 068 7678
	Available for existing Royal Bank of Scotland customers only.
	HSBC 2yr 3.29% Fixed LTV 70% Fee Free Direct [Show Details]	Fixed	3.29%	31/05/2014	3.94%	3.90%	70%	No Fee	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: yes Call Direct 0800 077 4283
	Woolwich (Barclays) Openplan FM 2yr 3.29% Fixed BBR Ex/C LTV 70% [Show Details]	Fixed	3.29%	28/02/2014	3.89%	3.90%	70%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Existing Customer: Yes Existing Customer Type: current account Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0845 070 1569
	Available for existing Woolwich (Barclays) customers only.
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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