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Fixed-rate mortgages

Fix your mortgage rate to plan your monthly budget

Need to know exactly what your mortgage payments will be each month so you can budget accordingly? Our fixed-rate mortgage may be the right choice for you.

  • Fix your mortgage payment amount for a set term
  • Choose from a 2, 3, 5 or 10-year fixed rate

Your home may be repossessed if you do not keep up repayments on your mortgage.

What is a fixed-rate mortgage?

Unlike mortgages with a variable interest rate – like offset or tracker – a fixed-rate mortgage provides you with an interest rate that will stay the same for the fixed term you choose. This could be 2, 3, 5 or even 10 years.

You’ll know exactly what your mortgage payments will be during the fixed term, so you can plan your finances accordingly. You’ll be protected if interest rates go up, however you could end up paying over the odds if they fall. So you should think carefully about how long you want to fix your mortgage for, because you may have to pay an early repayment charge if you change or overpay on your mortgage before the initial fixed term ends.1

After the fixed term, your mortgage will move to a variable rate, which means that your monthly payments could then vary.

Is it right for you?

A fixed-rate mortgage could be right for you if

  • You’d prefer to know exactly how much you’ll be paying each month
  • You want the flexibility to overpay some of your mortgage each year without being charged 1

How much can you borrow?

Our mortgage calculator can help you determine how much you could afford to borrow and what your monthly payments may be.

How to apply

Our mortgage calculator can help you work out how much you can afford to borrow. You can then complete an Agreement in Principle (AiP) to find out whether we’d be able to lend the amount you need – without affecting your credit score. If we can, the next step is to make an appointment with an adviser to apply for a mortgage.

Our current rates

This table outlines what the initial interest rate will be, as well as the follow-on rate, the amount you can borrow and any application and early repayment charges. You can sort any of the columns by selecting the column title.

You can save a copy of our tariff of mortgage charges and read our important legal information.

Are you a Premier customer? See our dedicated mortgage range just for you.

Already have a mortgage with us? If you’re looking to switch, you can take advantage of our exclusive rates for existing customers.

The current mortgages data is unavailable. A complete list of all mortgage rates is available for download here.

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Product name:

Initial interest rate

Follow on interest rate

Overall cost for comparison

Loan to value

Mortgage fee

Early repayment charge

Need some help?

You can talk to us about our mortgages online, in branch or over the phone at a time that suits you.

Call us on 0800 197 1081 2

More ways to buy your home

Offset mortgages

Link your savings to an offset mortgage and you could reduce your mortgage term or monthly payments.

Tracker mortgages

Take advantage of the current low base rate with our range of tracker mortgages.

Family Springboard

A way for families to help you get on or move up the property ladder.

Important information

Subject to status and availability. You must be 18 years old or over to apply for a mortgage.

  1. Your mortgage offer terms and conditions will explain your overpayment allowance and confirm whether you need to pay an early repayment charge.
  2. Lines are open Monday to Friday, 8am – 9pm, Saturday 9am – 8pm and Sunday 10am – 4pm. To maintain a quality service, we may monitor or record phone calls. Call charges.
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