10 Year Fixed Rate Mortgages

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Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.40%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

2.59%

Reverts to 3.69%

10

Years

60%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.
Fixed

2.69%

Reverts to 3.69%

10

Years

70%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.
Fixed

2.69%

Reverts to 3.69%

10

Years

75%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.
Fixed

2.94%

Reverts to 3.69%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

10 Year Fixed Rate Mortgage Deals

10 year fixed rate mortgages are becoming more common as lenders realise that borrowers are prepared to commit themselves to longer term mortgage deals in return for more security. Benefits of 10 year fixed rate mortgages include; Budgeting – You know exactly how much your monthly payments will be throughout the entire term. Savings – If the base rate goes up, your mortgage repayments will not be affected, which could mean big savings. Security – You are secure in the 10 year fixed rate mortgage, so you won't have to re-mortgage and your payments won't go up. Make sure you know what your outgoings will be each month with a 10 year fixed rate mortgage.

 

Deciding which different mortgage policies is the best one for you can sometimes seem like you are caught between a rock and a hard place. Out of the many options you could potentially go for, a 10 year fixed term mortgage may be the one that is best suited to your needs. It helps to do research about some of the different types of mortgage deal and what each one offers. Two of the most popular types of mortgage are fixed rate and tracker rate mortgages.


Fixed rate mortgages are identical monthly repayments that you make over the duration of your mortgage policy. You will be required to pay the same amount each month in spite of the changes to the interest rate. Many people choose this as an option because it is a secure and comfortable way to make repayments. You may also end up paying less if the interest rates are high. Although you can take out a wide range of fixed rate mortgages, a 10 year long term plan may be a good idea for a number of reasons. Some of these include:

 

  • Security in the knowledge that if interest rates go up you are safe during those 10 years
  • Comfort in making the same repayment for a long period of time
  • Many deals available to those taking out 5 year fixed rate mortgages

There are a variety of potentially great mortgage deals waiting for you in our easy to use product comparison tables alternatively if you require whole of market mortgage advice use the service below:

Which? Mortgage Service
Mortgage ServiceWhole Of Market Mortgage AdviceFeaturesMore Info
yesWe’ll pick the perfect mortgage for you. Our mortgage advisers get paid salaries, not commission. So when they recommend a mortgage, you can be sure it’s the best one for you – not for them.
Call 0333 305 3219
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker