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Fixed Rate Mortgages

Fixed rate mortgages guarantee what you pay over a set period of time. They are a great option if you prefer planning ahead without any unwanted surprises.

With our fixed rate mortgages, you are guaranteed that your rate will be exactly the same every month for the duration of the fixed rate product. It offers peace of mind and takes away any uncertainty about your repayments.

As a result, you can confidently plan your budget, because you’ll know in advance exactly what your outgoings for your mortgage will be.

How do fixed rate mortgages work?

Once you’ve applied and been accepted for a fixed rate mortgage, your payments will stay the same during the term of your product, no matter what happens to mortgage interest rates.

Your mortgage is likely to be your biggest monthly outgoing. Knowing what you’re going to be paying allows you to budget and plan your finances with more certainty. At the end of the fixed rate period, your rate will usually change to our Standard Variable Rate.

Benefits of fixed rate mortgages

  • No surprises – you know exactly what your mortgage will cost you every month
  • Better budgeting
  • Peace of mind

So if you choose a two-year fixed rate, for example, your rate won’t change for the duration of your deal. After this time, you’ll go onto our Standard Variable Rate (SVR) mortgage.

What’s more, if you’re currently with another lender for your fixed rate mortgage, you’ll have the chance to remortgage at the end of your deal.

There are a few things to bear in mind.

Fixed rate mortgages tend to have an Early Repayment Charge if you want to remortgage or repay your mortgage in full during the initial fixed rate period.

Should interest rates drop significantly during the term of your deal, you will still have to make payments at the agreed rate.

However, you’re not planning on moving for a while, a fixed rate mortgage may be the best deal for you.

So why not find out about your choices? Simply request a call back from our friendly team or call us on 01664 414141.

Take a look at our current fixed rate mortgages below.

Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
3.19% 3 Year Fixed Rate 95% 3.19% 4.99% 4.7% APRC

Based on a £167,732 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 33 year term: 36 monthly payments at a fixed rate of 3.19%, (£685.43) £24,675.48. 360 monthly payments at standard variable rate (currently 4.99%), (£850.94) £306,338.40. Valuation fee on property of £184,400, payable when you apply £240 (scale applies). Telegraphic Transfer fee payable when you apply £25.  Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £331,428.88.

3.39% Fixed Rate to 31 May 2024 95% 3.39% 4.99% 4.6% APRC
2.49% 3 Year Fixed Rate 75% 2.49% 4.99% 4.2% APRC
2.65% Fixed Rate to 31 May 2024 75% 2.65% 4.99% 3.8% APRC £398
Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
3.19% 3 Year Fixed Rate 95% 3.19% 4.99% 4.7% APRC

Based on a £167,732 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 33 year term: 36 monthly payments at a fixed rate of 3.19%, (£685.43) £24,675.48. 360 monthly payments at standard variable rate (currently 4.99%), (£850.94) £306,338.40. Valuation fee on property of £184,400, payable when you apply £240 (scale applies). Telegraphic Transfer fee payable when you apply £25.  Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £331,428.88.

3.39% Fixed Rate to 31 May 2024 95% 3.39% 4.99% 4.6% APRC
Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
2.49% 3 Year Fixed Rate 75% 2.49% 4.99% 4.2% APRC

Based on a £145,000 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 15 year term: 36 monthly payments at a fixed rate of 2.49%, (£966.16) £34,781.76. 144 monthly payments at standard variable rate (currently 4.99%), (£1110.74) £159,946.56. Valuation fee on property of £441,584, payable when you apply £410 (scale applies). Telegraphic Transfer fee payable when you apply £25. Solicitors fees payable to your conveyancer (estimated) £360. Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £195,673.32.

2.65% Fixed Rate to 31 May 2024 75% 2.65% 4.99% 3.8% APRC £398

Still wondering how much you may be able to borrow?

It’s easy to find out using our Affordability Calculator. You can also check through your options at Mortgage Finder. Take a look at our Guide to Mortgages too.

We’ve plenty of experience in helping our customers get exactly the right deal for their needs, so get in touch today for a chat.

Call us on 01664 414141 to fix a convenient appointment.

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