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Fixed-rate mortgages

A rate that won’t change for a set time

Choosing a fixed rate mortgage means you won’t be affected if interest rates go up or down for a set number of years.

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 – your mortgage payments won’t change until that period ends and you either switch to a new rate or move to our follow-on rate. 

Choose the fixed period you need

Choose the number of years you want to fix your payments for - remember that you'll make the same payment for that time even if the base rate falls.

You could make overpayments

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

How to apply

Use our calculators to see how much you could afford to borrow, get an Agreement in Principle to see if we could lend what you need and find out how to prepare for your mortgage appointment.

How much could I borrow?

Mortgage borrowing calculator

Get a quick quote for how much you could borrow for a property you’ll live in, based on your financial situation. If you want a more accurate quote, use our affordability calculator. You’ll need to spend a little longer on this.

Mortgage cost and repayment calculator

How much would a mortgage cost?

See examples of costs for different mortgage types and interest rates.

Agreement in Principle

Take the first step to your mortgage

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

Starting your mortgage application

Get ready to apply

Find out how to book an appointment to start your mortgage application, and see the list of documents and information you’ll need to provide.

Our latest rates

You can also check our full mortgage range [PDF, 562KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.

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Need some help?

Chat to us online

Start a web chat if you a question about applying 

Call us

0333 202 7580

Our mortgage experts are available every day from 7am to 8pm, except for bank holidays. To maintain a quality service, we may monitor and record phone calls. Call charges.

Track It

If you’ve submitted an application, use your mortgage application reference to find out what stage it’s at.