Compare 1000s of fixed-rate mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1318 Total reviews

4.83 Average rating

Reviews.co.uk

Choosing a fixed rate mortgage removes much of the anxiety that comes with a variable mortgage rate. For peace of mind, your rate stays the same for a period that generally last between two and five years. 

Use our free comparison tool below to compare thousands of fixed rate mortgage deals, tailoring the results to find the lowest fixed mortgage rates on the market. 

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 830 fixed-rate mortgage deals that match your search

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Product code 001DQ7
Initial rate 1.49% then 4% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/03/2021 ?
Scheme fees £1,190 ?
Cost comparison £21,163 ?

Fees & Charges

Booking fee £0
Arrangement fee £900
Valuation fee £280
Other fees £10
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Mar-2020; then 2.00% of loan amount redeemed to be paid until 31-Mar-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 1.49% and then on a variable rate, currently 4%, for the remaining 22 years and 11 months would require 25 payments of £798.93 and 275 payments of £1,034.28. The total amount payable would be £305,590 made up of the loan amount plus interest (£104,400) and fees (£1,190 which includes exit fees of £0). The overall cost for comparison is 3.7% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00234P
Initial rate 1.49% then 4.24% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/06/2021 ?
Scheme fees £1,199 ?
Cost comparison £23,569 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.40% of loan amount redeemed to be paid until 30-Jun-2020; then 0.80% of loan amount redeemed to be paid until 30-Jun-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 28 months at 1.49% and then on a variable rate, currently 4.24%, for the remaining 22 years and 8 months would require 28 payments of £798.93 and 272 payments of £1,055.77. The total amount payable would be £310,738 made up of the loan amount plus interest (£109,539) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00234S
Initial rate 1.49% then 4.24% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/06/2021 ?
Scheme fees £1,199 ?
Cost comparison £23,569 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.40% of loan amount redeemed to be paid until 30-Jun-2020; then 0.8% of loan amount redeemed to be paid until 30-Jun-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 28 months at 1.49% and then on a variable rate, currently 4.24%, for the remaining 22 years and 8 months would require 28 payments of £798.93 and 272 payments of £1,055.77. The total amount payable would be £310,738 made up of the loan amount plus interest (£109,539) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004TEW
Initial rate 1.52% then 5.74% (variable) ?
Monthly repayments £802 ?
Type/Duration Fixed  until 01/06/2021 ?
Scheme fees £1,139 ?
Cost comparison £22,786 ?

Fees & Charges

Booking fee £199
Arrangement fee £800
Valuation fee £0
Other fees £0
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 6 months interest until 01-Jun-2021

Other info

Exit fees £140
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.52% and then on a variable rate, currently 5.74%, for the remaining 22 years and 9 months would require 27 payments of £801.75 and 273 payments of £1,214.84. The total amount payable would be £354,438 made up of the loan amount plus interest (£153,299) and fees (£1,139 which includes exit fees of £140). The overall cost for comparison is 5.1% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00586F
Initial rate 1.54% then 4.99% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £1,060 ?
Cost comparison £22,758 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-May-2020; then 1.00% of loan amount redeemed to be paid until 31-May-2021

Other info

Exit fees £65
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.54% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £803.64 and 273 payments of £1,134.72. The total amount payable would be £332,537 made up of the loan amount plus interest (£131,477) and fees (£1,060 which includes exit fees of £65). The overall cost for comparison is 4.5% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 005C9E
Initial rate 1.55% then 4.74% (variable) ?
Monthly repayments £805 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £1,705 ?
Cost comparison £23,429 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £15
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-May-2020; then 2.00% of loan amount redeemed to be paid until 31-May-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.55% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £804.58 and 273 payments of £1,108.68. The total amount payable would be £326,098 made up of the loan amount plus interest (£124,393) and fees (£1,705 which includes exit fees of £195). The overall cost for comparison is 4.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002SRR
Initial rate 1.58% then 5.69% (variable) ?
Monthly repayments £807 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £1,233 ?
Cost comparison £23,033 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-May-2020; then 2.00% of loan amount redeemed to be paid until 31-May-2021

Other info

Exit fees £199
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.58% and then on a variable rate, currently 5.69%, for the remaining 22 years and 9 months would require 27 payments of £807.41 and 273 payments of £1,198.46. The total amount payable would be £346,805 made up of the loan amount plus interest (£145,572) and fees (£1,233 which includes exit fees of £199). The overall cost for comparison is 4.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 005C9F
Initial rate 1.58% then 4.74% (variable) ?
Monthly repayments £807 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £2,205 ?
Cost comparison £24,005 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £0
Other fees £15
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-May-2020; then 2.00% of loan amount redeemed to be paid until 31-May-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.58% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £807.41 and 273 payments of £1,109.01. The total amount payable would be £326,765 made up of the loan amount plus interest (£124,560) and fees (£2,205 which includes exit fees of £195). The overall cost for comparison is 4.2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002H6V
Initial rate 1.59% then 4% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £1,259 ?
Cost comparison £22,276 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-May-2021

Other info

Exit fees £225
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 26 months at 1.59% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £808.36 and 274 payments of £1,034.41. The total amount payable would be £305,705 made up of the loan amount plus interest (£104,446) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004PL4
Initial rate 1.59% then 4.99% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/05/2021 ?
Scheme fees £1,073 ?
Cost comparison £22,649 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-May-2020; then 1.00% of loan amount redeemed to be paid until 31-May-2021

Other info

Exit fees £74
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.59% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £808.36 and 273 payments of £1,135.28. The total amount payable would be £332,580 made up of the loan amount plus interest (£131,507) and fees (£1,073 which includes exit fees of £74). The overall cost for comparison is 4.5% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

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When choosing the best fixed rate mortgage deal, expertise counts

The added security of a fixed rate mortgage can sometimes come at an added cost, but you can use this tool to compare deals and find the lowest fixed mortgage rates that aren’t available through high street mortgage providers. 

John Charcol can save time, effort and money for all buyers, so get in touch today for the best fixed rate mortgage deals.

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