Fixed Rate Mortgage Best Buys

Compare Fixed Rate Mortgage Best Buys

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.54%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare fixed rate mortgage best buys - use our mortgage tables below to see a selection of market leading mortgage deals - alternatively if you need advice - call our independent mortgage team on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.54%

Reverts to 3.99%

2

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.83%

Reverts to 3.99%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.87%

Reverts to 3.99%

2

Years

80%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.78%

Reverts to 4.79%

3

Years

65%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed

1.95%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term.
Fixed

1.95%

Reverts to 3.99%

5

Years

60%

YesMore Info >
£250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

2.01%

Reverts to 4.79%

5

Years

65%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

2.39%

Reverts to 3.99%

2

Years

90%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.
Fixed

2.39%

Reverts to 4.79%

5

Years

85%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.
Fixed

2.27%

Reverts to 4.74%

2

Years

90%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.
Fixed

2.49%

Reverts to 3.94%

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

2.99%

Reverts to 3.94%

10

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.
Fixed

3.57%

Reverts to 3.99%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.00% 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.


A fixed rate mortgage deal would normally work in the following way:

  • From the beginning of your mortgage term, the interest rate that you pay on your mortgage will be guaranteed; this means that it would not rise or fall with the Bank of England base interest rate.
  • The interest rate would be fixed for a certain period, usually for a few years, but some lenders could offer you a mortgage with a longer fixed rate term, or even one that will last for the entirety of the mortgage.

There are a number of different banks and building societies that could claim to offer you fixed rate mortgage best buys, so it would be worthwhile to compare mortgage deals from a number of providers before deciding which may be most appropriate for you.

Fixed Rate Mortgage Best Buys

Our mortgage comparison tables feature a number of different fixed rate mortgage best buys that may be of interest to you. If you are considering taking out a fixed rate mortgage, it is important to weigh up their advantages and disadvantages:

Possible Advantages

  • Fixed interest rates can offer a good deal of security, as they are not going to increase during the term
  • It could be easier for you to budget as your monthly payments will not change
  • A range of different fixed rate periods are available, affording you some significant flexibility

 

Possible Disadvantages

  • Interest rates could often be higher on fixed rate mortgages
  • Fixed rate mortgages could end up more expensive in the long term
  • If interest rates were to fall, the interest on your mortgage would not – meaning that you may pay more compared with other more current deals

Require mortgage advice? You can call our mortgage team on:
0117 332 6063

Monday to Friday 8.30am to 7pm

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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

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