Mortgages.direct | Compare Fixed Rate Mortgages

Reason for mortgage

Property value

I want to borrow

This makes our LTV . Invalid LTV.

Mortgage term

Repayment type

Mortgage type

Initial period

Any duration
2 years
3 years
5 years
More than 5 years
10 years

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Call NatWest 0800 096 7889

Fixed Dec-2022 From NatWest

Initial rate 1.38% Dec-2022

Maximum LTV 60%

Overall cost of comparison 3.8% APRC

See deal

£250 Cashback

Interest only option.

Fees

Arrangement fee

£995.00

Valuation fee

£248.00

Cashback

£250.00

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £147,390, including £1,273 of fees. More information on this mortgage

Call Virgin Money 0330 057 1528

Fixed Jan-2023 From Virgin Money

Initial rate 1.24% Jan-2023

Maximum LTV 65%

Overall cost of comparison 3.8% APRC

See deal

Fees

Arrangement fee

£1495.00

Valuation fee

No fee

Cashback

No cashback

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £158,094, including £1,525 of fees. More information on this mortgage

Call Royal Bank Of Scotland 0800 096 7966

Fixed Dec-2022 From Royal Bank Of Scotland

Initial rate 1.38% Dec-2022

Maximum LTV 60%

Overall cost of comparison 3.8% APRC

See deal

Fees

Arrangement fee

£995.00

Valuation fee

£248.00

Cashback

£250.00

Additional information

None.

The total cost of a £100,000 mortgage over 25 years is £147,401, including £1,273 of fees. More information on this mortgage

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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.

Latest Residential Fixed Rate Mortgage Offers:

£250 Cashback - 2 Year Fixed Rate

Initial Rate - 1.21% APR
60% Loan To Value (LTV)
2 Year Fixed

Overall cost for comparison 3.8% APRC

Call RBS FREE on 0800 096 7966

Request a Callback From Royal Bank of Scotland at a time that suits you!

£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 096 7889

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

Buy To Let Mortgage Fixed 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

Go to the Post Office website for more details

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.

Get £500 Cashback. Available to home movers and first time buyers. Exclusions apply. More info...»