Long Term Fixed Rate Mortgage

Latest Deal - NatWest 5 Year FIXED »

Call FREE - 0800 158 2934 

1.95%Reverts to 3.99% after 5 years
  • £250 CASHBACK
  • 5 Year Fixed - 60% LTV Deal
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare Long Term Fixed Rate Mortgage Deals

The best long-term fixed rate mortgages available to you will depend on how much you want to borrow, your credit rating, exactly how long you want to spend paying it back, and the deposit you have. Our mortgage comparison tables contain details of a number of different current mortgage deals to help you see what's on offer. If you are looking for long term fixed rate mortgages, see the table below to find some of the latest deals.

Fixed Rate Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.54%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 056 8572 to speak to a NatWest mortgage specialist
Fixed

1.83%

Reverts to 3.99%

2

Years

75%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist.
Fixed

1.94%

Reverts to 3.94%

5

Years

60%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999
Fixed

1.95%

Reverts to 3.99%

5

Years

60%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist
Fixed

1.98%

Reverts to 4.74%

2

Years

75%

NoMore Info >
Fixed

1.94%

Reverts to 3.94%

5

Years

75%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999
Fixed

2.00%

Reverts to 3.99%

5

Years

75%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist.
Fixed

1.65%

Reverts to 4.79%

2

Years

65%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Fixed

1.73%

Reverts to 4.79%

2

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Fixed

2.06%

Reverts to 4.79%

5

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995

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.


Tracker Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

1.84%

Reverts to 3.99%

2

Years

60%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist
Tracker

2.04%

Reverts to 3.99%

2

Years

70%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

2.04%

Reverts to 3.99%

2

Years

70%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist.

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.


Discount Rate Mortgage Deals
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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.


Buy to Let Mortgage Deal Selection

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed
Buy-to-Let

1.74%

Reverts to 4.49%

2

Years

60%

YesMore Info >
  • Call 0800 096 7962 to speak to an RBS mortgage specialist.
Fixed
Buy-to-Let

1.79%

Reverts to 4.99%

2

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995
Tracker
Buy-to-Let

2.65%

Reverts to 4.49%

2

Years

70%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist

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.


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  • Call 0117 332 6063
  • Independent mortgage advice
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Compare mortgage rates

A long term fixed rate mortgage tends to work in the following way:

  • The interest rate on a fixed rate mortgage would be guaranteed to be of a certain amount for a designated term
  • The fixed rate period on a long term fixed rate mortgage could be anything from five or 10 years years to the lifetime of the mortgage


Many different banks and building societies could be willing to offer you a quote for a long term fixed rate mortgage, so it is highly recommended that you compare a variety of mortgage deals to assess what could be available to you.

 

For most people, a long term fixed rate mortgage could have a number of pros and cons. These may include the following:


Pros

  • A guarantee that your interest rate will remain the same for a considerable amount of time
  • The ability to make long term budgets as you will know how much your mortgage payments will be each month


Cons

  • A long term fixed rate mortgage can involve a certain amount of risk in terms of interest rates; if the Bank of England base interest rate were to decrease, you could be stuck paying higher interest rates
  • Long term fixed rate mortgages tend to come with interest rates that may be higher than short term fixed rate mortgages or tracker mortgages


 

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