Best fixed rate mortgage/remortgage options
A fixed rate mortgage or remortgage gives you peace of mind on outgoings. With a fixed mortgage you know that whatever happens to interest rates, your monthly payments will stay the same for the agreed period.
Our best fixed rate mortgage table shows you some of the very best fixed rate mortgage deals on the market at the moment.
Fixed rate mortgages are available for many different periods of time - two years, five years and ten years are typical examples but there are different fixed rate mortgage periods available including periods longer than ten years.
One disadvantage of fixed rate mortgages is that you will not benefit from any fall in interest rates during your fixed period and your payments will remain exactly the same. At the end of the fixed rate period your payments will generally revert to the lender's standard variable rate (SVR).
Fixed rate mortgages are very popular and are very suitable for people who want to know exactly how much they are going to be paying each month. They will also protect you against rising rates.
Fixed rate mortgages often have an early repayment charge which will vary from lender to lender. Normally, this only applies during the fixed rate period itself but some fixed rate mortgages do have repayment penalties beyond this period.
With interest rates only heading one way now (and that is up), it could be the right time to lock into a fixed rate mortgage - yet there are still other considerations. Speak to one of our independent mortgage advisers about whether the best fixed rate mortgage is right for you.
Best Buys: Use our quick mortgage finder to compare mortgage rates
| Mortgage Provider | Mortgage Type | Initial Rate/Duration | Subsequent Rate/Duration | The overall cost for comparison | Early Repayment Charges | ||
|---|---|---|---|---|---|---|---|
|
Fixed Rate Mortgage | 2.79% Fixed for 2 years (75%) | 5.59% Variable for term | 5.20% APR | 2% for 2 years | ||
|
Fixed Rate Mortgage | 2.84% Fixed until 31/03/2014 | 3.99% Variable for term | 4.00% APR | 3/2% until 31/03/2014 | ||
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Fixed Rate Mortgage | 2.89% Fixed until 31/03/2015 (70%) | 5.95% Variable for term | 5.20% APR | 3% until 31/03/2015 | ||
|
Fixed Rate Mortgage | 3.20% Fixed until 31/12/2013 (80%) | 4.74% Variable for term | 4.30% APR | 4% until 31/12/2013 | ||
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Fixed Rate Mortgage | 3.25% Fixed until 01/03/2015 (75%) | 4.79% Variable for term | 4.30% APR | 3.5% until 01/03/2015 | ||
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Fixed Rate Mortgage | 3.29% Fixed until 30/04/2015 (70%) | 4.59% Variable for term | 4.10% APR | 5/4/3% until 30/04/2015 | ||
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Fixed Rate Mortgage | 3.49% Fixed until 01/02/2015 (80%) | 6.14% Variable for term | 5.30% APR | 6 months interest to 01/02/2015 | ||
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Fixed Rate Mortgage | 3.58% Fixed until 31/03/2017 (65%) | 4.49% Variable for term | 4.20% APR | 4% until 31/03/2017 | ||
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Fixed Rate Mortgage | 3.99% Fixed until 01/02/2017 (80%) | 6.14% Variable for term | 5.60% APR | 6 months interest until 01/02/2017 | ||
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Fixed Rate Mortgage | 4.99% Fixed until 28/02/2022 (80%) | 5.69% Variable for term | 5.30% APR | 6/6/5/5/5/5/4/4/3/2% until 28/02/2022 | ||
| Mortgage comparison powered by Charcol | |||||||
* All mortgage calculations and APRs are based on a £150,000 repayment mortgage at 75% loan to value over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers.
These mortgage best buys are an indication of the best mortgage deals in the market, but are not necessarily the right mortgage for you. We advise all mortgage borrowers to call one of our independent mortgage experts who can help find precisely the best mortgage deal for you. With access to private mortgage banks and alternative building societies who do not have set mortgage products and, as such, do not appear above, a call is highly recommended. Don't miss out on the best mortgage deals
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