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This makes our LTV . Invalid LTV.

Call HSBC 0800 077 4336
HSBC logo
Fixed Nov-2023 From HSBC
Initial rate 1.84% Nov-2023
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2023 From NatWest
Initial rate 1.89% Dec-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2023 From NatWest
Initial rate 2.03% Dec-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2023 From NatWest
Initial rate 2.03% Dec-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2023 From NatWest
Initial rate 2.09% Dec-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How To Get A 10 Year Fixed Rate Mortgage

With uncertainty over interest rates many people are opting for a 10 year fixed rate mortgage.

The good news is that 10 year rates are currently very competitive. Reasons why people are moving to 10 year fixed terms include:

  • Certainty - By locking into a 10 year fixed rate you get peace of mind that your monthly repayments will not change. With Brexit and political uncertainty over the next few years many people are taking the decision to lock into a long term rates either on a 5, 7 or 10 year basis.
  • Low rates - 10 year fixed rates are as low now as they have been for a very long time. Many homeowners are taking the view that now is a good time to lock in.
  • Interest only options - Some lenders are offering 10 year fixed terms on an interest only or part and part basis. This type of arranagement is offered by some lenders if the loan to value (LTV) is lower than a set percentage of the value of the property you are mortgaging.This is typically 75% LTV or less. There are a few lenders that will go up to 85% LTV but you will need to speak to our independent mortgage team to access these rates. Some lenders will require a part interest and part capital repayment strategy for any borrowing over a set limit e.g. 60%. So if you have a 25% equity in your property, a lender may require that 15% of borrowing is on a part and part basis with 60% fully on an interest only basis.

Why do people Choose a 10 year fixed mortgage?

The main reason is to keep monthly costs to a minimum. 

1. Has your initial mortgage deal come to an end?

By switching to a better deal with a different mortgage provider, a 10 year fixed rate mortgage could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments for a fixed term of 10 years. If your current mortgage deal has come to an end, you may find a new 10 year fixed rate gives you a lower monthly repayment than you were paying previously.

2. Are you looking to raise money?

By remortgaging you may be able to release equity in your home.

People often remortgage to provide money for:

  • Home improvements
  • New Kitchen
  • New En-suite bathroom
  • Consolidate other existing debts.

Remortgaging can be a good low cost way of paying for your new home project.


2018 set to be a strong year for remortgaging

2018 looks set to be another strong year for remortgaging after total remortgage lending in the UK topped £65.7 billion in 2016, according to research by conveyancing provider LMS. 

This trend is likely to continue in 2018, with nearly a third of eligible homeowners planning to remortgage, as revealed in 

The impact of Brexit is likely to affect the market and could well lead to rising inflation and a squeeze on family finances, making remortgaging to cut monthly repayments an attractive option.

Inflation is on the rise

interest only mortgage

If you are thinking of remortgaging, it is advisable to do so now as lenders are likely to start raising their rates throughout the year as the full impact of Brexit begins to be felt.

HSBC 10 Year Mortgage

HSBC is offering a great deal on their 10 year fixed rate with no product fee.

How does a remortgage work?

Remortgaging essentially means switching from your existing mortgage to a new one. This can be with a new mortgage provider, or the same one you are already using.

Your current mortgage lender may offer an interest only option or part and part option. Alternatively you may need to remortgage with a new lender to get an interest only basis mortgage.

People usually consider remortgaging because they think they can get a better deal and reduce their monthly repayments, or because they want to increase their borrowing.

There are usually several costs associated with remortgaging, typically including a valuation fee, administration fee and legal fee. Many (but not all) lenders will offer to pay these costs when you switch your mortgage to them to make remortgaging more attractive.  

Independent Advice

If you are not sure whether now is the right time to remortgage or whether you can get an interest only deal speak to our independent mortgage broker team who will be able to offer impartial advice.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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