Mortgages.direct | Compare Fixed Rate Mortgages

Reason for mortgage

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This makes our LTV . Invalid LTV.

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More than 5 years
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Fixed Apr-2023 From Skipton BS

Initial rate 1.14% Apr-2023

Maximum LTV 60%

Overall cost of comparison 3.8% APRC

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Fees

Arrangement fee

£995.00

Valuation fee

No fee

Cashback

No cashback

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £158,127, including £1,096 of fees. More information on this mortgage

Call NatWest 0800 096 7889

Fixed Jun-2023 From NatWest

Initial rate 1.22% Jun-2023

Maximum LTV 60%

Overall cost of comparison 3.3% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

No fee

Cashback

£250.00

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £146,281, including £1,025 of fees. More information on this mortgage

Fixed May-2023 From TSB

Initial rate 1.24% May-2023

Maximum LTV 60%

Overall cost of comparison 3.3% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

No fee

Cashback

No cashback

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £146,774, including £995 of fees. More information on this mortgage

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Best Buy Offers January 2021

5 Year Fixed Interest Only Offer:

RBS

Initial Rate: 1.37% APR

Maximum LTV: 60%

£250 CASHBACK!

Overall Cost For Comparison 3.3% APRC

Call RBS Free on 0800 068 7706

What is a fixed rate mortgage?

A fixed rate mortgage is simply a mortgage where the interest rate is fixed at a set rate for an introductory period (often 2 years). This means you know exactly how much your monthly payments will be during the introductory period making financial planning easier.

After the introductory period, you will normally be moved to a standard variable rate of interest which may be significantly higher than the fixed rate.

What are the alternatives to a fixed rate mortgage?

The most common alternative to a fixed rate mortgage is a tracker mortgage. This gives you an interest rate that is set at a fixed percentage above the Bank of England base rate (or equivalent).

This tracker rate is also normally only for an introductory period, but can often give you a lower initial rate than many tracker mortgages.

However, you are taking a risk as the interest rate on a tracker mortgage can go up as well as down, depending on the movement of the base rate being tracked.

Should you remortgage when the fixed rate ends?

When your fixed rate period is coming to an end, it is definitely worth considering remortgaging to avoid a sudden leap in your interest rate.

Many lenders will pay standard remortgaging costs when you switch your mortgage to them, so this can make remortgaging very affordable.