Compare 1000s of fixed-rate mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1085 Total reviews

4.81 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. 

Tell us what type of mortgage you're looking for?

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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 747 mortgages that match your search

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Initial rate 1.44% then 5.69% (variable) ?
Monthly repayments £794 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,233 ?
Cost comparison £22,884 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,999
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-Oct-2019; then 2.00% of loan amount redeemed to be paid until 31-Oct-2020

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 26 months at 1.44% and then on a variable rate, currently 5.69%, for the remaining 22 years and 10 months would require 26 payments of £794.25 and 274 payments of £1,198.38. The total amount payable would be £347,822 made up of the loan amount plus interest (£145,589) and fees (£2,233 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

Initial rate 1.54% then 4.24% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,304 ?
Cost comparison £21,395 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £274
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 30-Sep-2019; then 1.00% of loan amount redeemed to be paid until 30-Sep-2020

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 1.54% and then on a variable rate, currently 4.24%, for the remaining 22 years and 11 months would require 25 payments of £803.64 and 275 payments of £1,059.11. The total amount payable would be £312,650 made up of the loan amount plus interest (£111,346) and fees (£1,304 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

Initial rate 1.54% then 4.99% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £1,073 ?
Cost comparison £21,718 ?

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-Oct-2019; then 1.00% of loan amount redeemed to be paid until 31-Oct-2020

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 26 months at 1.54% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £803.64 and 274 payments of £1,135.96. The total amount payable would be £332,971 made up of the loan amount plus interest (£131,898) 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

Initial rate 1.56% then 5.69% (variable) ?
Monthly repayments £806 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £1,233 ?
Cost comparison £22,177 ?

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-Oct-2019; then 2.00% of loan amount redeemed to be paid until 31-Oct-2020

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 26 months at 1.56% and then on a variable rate, currently 5.69%, for the remaining 22 years and 10 months would require 26 payments of £805.52 and 274 payments of £1,199.76. The total amount payable would be £347,489 made up of the loan amount plus interest (£146,256) 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

Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 17/08/2020 ?
Scheme fees £1,084 ?
Cost comparison £20,485 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £313,183 made up of the loan amount plus interest (£112,099) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 17/08/2020 ?
Scheme fees £1,084 ?
Cost comparison £20,385 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £100

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £313,083 made up of the loan amount plus interest (£111,999) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 17/08/2020 ?
Scheme fees £1,084 ?
Cost comparison £19,985 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £312,683 made up of the loan amount plus interest (£111,599) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

Initial rate 1.6% then 4.24% (variable) ?
Monthly repayments £809 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £1,114 ?
Cost comparison £22,156 ?

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 2.00% of loan amount redeemed to be paid until 31-Oct-2020

Other info

Exit fees £80
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 1.6% and then on a variable rate, currently 4.24%, for the remaining 22 years and 10 months would require 26 payments of £809.30 and 274 payments of £1,058.78. The total amount payable would be £312,262 made up of the loan amount plus interest (£111,148) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.9% APRC representative.

More info

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

Initial rate 1.6% then 4.9% (variable) ?
Monthly repayments £809 ?
Type/Duration Fixed  until 01/08/2020 ?
Scheme fees £1,406 ?
Cost comparison £20,829 ?

Fees & Charges

Booking fee £0
Arrangement fee £895
Valuation fee £380
Other fees £21
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Aug-2019; then 1.50% of loan amount redeemed to be paid until 31-Aug-2020

Other info

Exit fees £110
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.6% and then on a variable rate, currently 4.9%, for the remaining 23 years would require 24 payments of £809.30 and 276 payments of £1,129.45. The total amount payable would be £332,557 made up of the loan amount plus interest (£131,151) and fees (£1,406 which includes exit fees of £110). The overall cost for comparison is 4.4% APRC representative.

More info

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

Initial rate 1.63% then 4.99% (variable) ?
Monthly repayments £812 ?
Type/Duration Fixed  until 17/08/2020 ?
Scheme fees £1,635 ?
Cost comparison £21,127 ?

Fees & Charges

Booking fee £150
Arrangement fee £999
Valuation fee £336
Other fees £25
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.63% and then on a variable rate, currently 4.99%, for the remaining 23 years would require 24 payments of £812.15 and 276 payments of £1,139.32. The total amount payable would be £335,579 made up of the loan amount plus interest (£133,944) and fees (£1,635 which includes exit fees of £125). 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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