Compare 1000s of fixed-rate mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1644 Total reviews

4.84 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 993 fixed-rate mortgage deals that match your search

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Scheme ID 17726
Initial rate 1.05% then 4.24% (variable) ?
Monthly repayments £ 991 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £25,471 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.8% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.05%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £990.50 and 272 payments of £1,372.76. The total amount payable would be £402,824 made up of the loan amount plus interest (£139,875) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.71% APRC representative.

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

Scheme ID 17680
Initial rate 1.08% then 4.24% (variable) ?
Monthly repayments £ 994 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £25,057 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 1% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.08%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £994.07 and 272 payments of £1,373.20. The total amount payable would be £402,543 made up of the loan amount plus interest (£140,094) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.70% APRC representative.

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

Scheme ID 17757
Initial rate 1.19% then 4.24% (variable) ?
Monthly repayments £ 1,007 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £25,198 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.19%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,007.21 and 274 payments of £1,377.58. The total amount payable would be £404,669 made up of the loan amount plus interest (£142,394) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.76% APRC representative.

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

Scheme ID 17732
Initial rate 1.19% then 4.24% (variable) ?
Monthly repayments £ 1,007 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £25,872 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.9% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.19%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £1,007.21 and 272 payments of £1,374.80. The total amount payable would be £403,846 made up of the loan amount plus interest (£140,897) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.74% APRC representative.

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

Scheme ID 13516
Initial rate 1.21% then 4% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £25,015 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus 3% until 02-12-21, 3% until 02-02-22, plus Benefit repayable until 2-12-2021

Other info

Exit fees £225
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a tracker rate for 22 years and 10 months at 4%. This would require 26 payments of £1,009.61 and 274 payments of £1,346.26. The total amount payable would be £396,134 made up of the loan amount plus interest (£133,850) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.57% APRC representative.

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

Scheme ID 6906
Initial rate 1.21% then 4.24% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £25,265 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a tracker rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,009.61 and 274 payments of £1,377.85. The total amount payable would be £404,895 made up of the loan amount plus interest (£142,611) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.77% APRC representative.

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

Scheme ID 10386
Initial rate 1.21% then 4.24% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,358 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,009.61 and 274 payments of £1,377.85. The total amount payable would be £404,908 made up of the loan amount plus interest (£142,281) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 13750
Initial rate 1.23% then 4.24% (variable) ?
Monthly repayments £ 1,012 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,415 ?

Fees & Charges

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

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.23%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,012.02 and 274 payments of £1,378.12. The total amount payable would be £405,044 made up of the loan amount plus interest (£142,417) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 17686
Initial rate 1.23% then 4.24% (variable) ?
Monthly repayments £ 1,012 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £25,487 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.9% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.23%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £1,012.02 and 272 payments of £1,375.38. The total amount payable would be £403,639 made up of the loan amount plus interest (£141,190) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.73% APRC representative.

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

Scheme ID 13463
Initial rate 1.24% then 4.99% (variable) ?
Monthly repayments £ 1,013 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £25,066 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-01-21, 1% until 31-01-22)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.24%, and then on a variable rate for 22 years and 10 months at 4.99%. This would require 26 payments of £1,013.22 and 274 payments of £1,479.56. The total amount payable would be £432,542 made up of the loan amount plus interest (£170,293) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.38% APRC representative.

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

View more mortgages

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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