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Call NatWest 0800 158 2934
NatWest logo
Fixed Jan-2022 From NatWest
Initial rate 1.21% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
UK MARKET LEADING 2 YEAR FIXED RATE. Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.88% Mar-2022
Maximum LTV 90%
Overall cost of comparison 4.4% APRC
See deal
£300 Cashback
£300 cashback with this 10% deposit deal from Virgin Money
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.88% Mar-2022
Maximum LTV 90%
Overall cost of comparison 4.4% APRC
See deal
£500 Cashback
£500 Cashback with this 10% Deposit Deal from Virgin Money
Call Royal Bank Of Scotland 0800 096 7447
Royal Bank Of Scotland logo
Fixed Jan-2022 From Royal Bank Of Scotland
Initial rate 1.21% Jan-2022
Maximum LTV 60%
Overall cost of comparison 3.9% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2022 From Post Office
Initial rate 1.27% Jan-2022
Maximum LTV 60%
Overall cost of comparison 4.2% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Mortgage Quotes & Advice

Our independent mortgage service provides:

  • FREE initial mortgage consultation
  • Access to exclusive mortgage deals not available on the high street
  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service".

Mortgage details

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

Get A Great 5 Year Fixed Rate Mortgage Deal

We are 100% independent. Find the best mortgage rates from UK lenders.

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 5 Year Fixed Rate Mortgage

With uncertainty over interest rates many people are opting for a 5 year fixed rate mortgage.

The good news is that 5 year rates are currently very competitive. Reasons why people are moving to 5 year fixed terms include:

  • Certainty - By locking into a 5 year fixed rate you get peace of mind that your monthly repayments will not change.
  • Low rates - 5 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 5 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.

5 Year Fixed Rate Offers:

£250 Cashback - 5 Year Fixed Rate

  • Initial Rate - 1.55% APR
  • 60% Loan To Value (LTV)
  • 5 Year Fixed

Overall cost for comparison 3.3% APRC

Call NatWest FREE on 0800 158 2934

or

Request a Callback From NatWest at a time that suits you!


Buy To Let Mortgage Offers:

Market Leading 5 Year Fixed Rate - £500 Cashback

60% Loan To Value

Post Office are offering a market leading:

  • 5 year fixed interest only buy to let rate of 1.88% (4.0% APRC) at 60% loan to value (LTV)
  • Plus £500 CASHBACK!
  • Interest Only Option

Call Post Office FREE on 0808 178 6813

or

Go to the Post Office website for more details

 

Remortgaging your home is simple and if you are a homeowner with a mortgage it makes a lot of sense to review your monthly payments.


Why do people Choose a 5 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 5 year fixed rate mortgage could potentially allow you to benefit from lower interest rates and lower monthly mortgage repayments. If your current mortgage deal has come to an end, you may find a new 5 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 releasing 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.

Buy To Let Mortgages

Post Office Mortgage OffersPost Office are currently offering £500 cashback on selected buy to let mortgage deals! - Click here »

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 or you can call us on 0117 403 3464

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