Fixed Rate Mortgage Loans

Compare Fixed Rate Mortgage Loans

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

Call FREE - 0800 158 2934 

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 loans - 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.


Fixed Rate Mortgage Loans

A fixed rate mortgage loan will essentially require you to pay a fixed amount towards your mortgage debt every month. Unlike many other types of mortgage deal, the interest rates for these agreements are guaranteed to remain the same, regardless of the lenders policy or any outside influences.

The advantages of fixed rate mortgage loans include:  

  • Knowing that your monthly payments will stay the same
  • Saving money and getting the security of knowing your payments will not rise if the Bank of England’s base rate increases
  • The security of a fixed rate for a certain period of time, from 2 years to the duration of the mortgage

 

Because there are so many fixed rate mortgage loans on the market, comparing them can help you to find the best one for you and your individual circumstances and we make this easy by putting you in touch with a mortgage expert who will compare the market on your behalf - just click on the link.

 

Many people often take out fixed rate mortgage deals, as they are widely considered to one of the most secure options available. For example, first time buyers may not have a lot of money and need to budget for their mortgage, so this could be seen as a good option for them.

 

If you are looking for a fixed rate mortgage loan, there are many available that could suit you and comparing mortgage deals is a good way of finding the best policies and prices on the market. Please see our comparison tables above for a list fixed rate mortgage loans:

 

Repayment Options

The two main forms of mortgage include repayment and interest only. Repayment mortgages are mortgages stipulates that customers repay their interest as well as part of your loan back each month. The monthly amount you pay stays the same each month and as long as you keep up with your repayments, you can be safe in the knowledge that your debt is likely to be paid off once your contract has ended.

 

With an interest only mortgage, you arrange to pay back only the interest you owe each month. Most mortgage lenders will expect you to have some form of investment vehicle showing that you are able to pay off the initial loan at the end of the term successfully. This could include an ISA, endowment or pension fund.This form of mortgage is generally seen as a bit more of a gamble as sometimes it can be hard to predict whether the interest rates will be high or low. If they are high, you could end up paying more than you would for a repayment mortgage. 

 

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

Monday to Friday 8.30am to 7pm

Independent Mortgage Quotes & Advice Service
Mortgage ServiceIndependent Mortgage AdviceMortgage Quotes Tailored to youFast Track ServiceMortgage Protection ReviewGet Quotes
yesyesyesyesMore Info >

Call 0117 332 6063

 to speak to the Fair Mortgages team.

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

Mortgage Reviews

Popular Fixed Rate Mortgage Terms