Fixed-rate mortgages

Fix your rate to plan your monthly budget

Want to know exactly what your mortgage payments will be each month? Our fixed-rate mortgage could be the right choice for you.

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

What’s a fixed-rate mortgage?

Know what you’ll pay each month

You pay a fixed rate for a set time, and that means your mortgage payments won’t change until that period ends and you move to our standard variable rate. 

Choose the fixed period you need

You’ll be protected if rates rise – but if they fall, you could pay more than you need to. So choose the fixed term that suits you, which could be 2, 3, 5 or even 10 years.

You could make overpayments

You could pay more than your agreed monthly payment1 – we’ll tell you if there are any overpayment limits or early repayment charges before you take out any specific mortgage.

How much could you borrow?

Try our mortgage calculator

Use our mortgage calculators to see how much you could borrow, what a mortgage could cost you each month and the total you may pay overall.

How to apply

Once you’ve worked out how much you could borrow, get 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 one of our mortgage advisers to choose the mortgage you want to apply for.

Agreement in Principle (AiP)

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP) online to find out quickly if you could borrow the amount you need – without affecting your credit score. 

Your mortgage appointment

How to prepare for your discussion

Find out which documents you'll need, get a preview of what we’ll discuss with you and discover what happens after your appointment.

Our current rates

This table shows 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 exclusive mortgage range. Already have a mortgage with us? If you’re looking to switch, you can take advantage of our exclusive rates.

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Need some help?

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us2 today on 0800 197 1081. Lines are open all day, every day, except on bank holidays and during Christmas, when they may be closed at off-peak times.

More ways to buy your home

Offset mortgages

Offset mortgages

Put your savings to work with an offset mortgage

Linking your savings accounts to an offset mortgage could make your money work harder by reducing the mortgage balance you pay interest on.

Tracker mortgages

A flexible mortgage that follows the market

If you want a mortgage that reflects the market but doesn’t tie you down to a rate, our tracker mortgages may be what you need.

Family Springboard Mortgage

Buy your home without a borrower deposit

Buy a home without a borrower deposit if your family or loved ones can provide 10% of the property’s price as security.