Fixed-rate mortgages

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 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 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. 

You might be able to take your current mortgage to your new home. You could also apply for a new rate or to borrow more.

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.

How much would a mortgage cost?

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

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.

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.