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?

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.

Our latest rates

You can also check our full mortgage range [PDF, 302KB] 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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Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
Product fee	Annual percentage rate of charge	Initial rate	Follow on rate	Early repayment charge	Loan to value (LTV)
3.99% Residential Premier Exclusive 5 Year Fixed (Purchase Only). More detailsHide detailsCompare
£899	5.6% APRC	3.99% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £5,000, Max loan £2,000,000)
4.06% 5 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	5.7% APRC	4.06% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £5,000, Max loan £2,000,000)
4.10% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.3% APRC	4.10% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £5,000, Max loan £2,000,000)
4.11% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.3% APRC	4.11% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £5,000, Max loan £2,000,000)
4.12% Residential Premier Exclusive 5 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	5.7% APRC	4.12% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £5,000, Max loan £2,000,000)
4.13% 5 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	5.7% APRC	4.13% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £5,000, Max loan £2,000,000)
4.16% 5 Year Fixed (Purchase Only) More detailsHide detailsCompare
£0	5.7% APRC	4.16% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £5,000, Max loan £2,000,000)
4.19% 5 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	5.7% APRC	4.19% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £5,000, Max loan £2,000,000)
4.20% 5 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	5.7% APRC	4.20% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £5,000, Max loan £2,000,000)
4.20% Residential Premier Exclusive 2 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	6.3% APRC	4.20% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £5,000, Max loan £2,000,000)
4.21% 2 Year Fixed (Remortgage Only) More detailsHide detailsCompare
£999	6.3% APRC	4.21% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £5,000, Max loan £2,000,000)
4.24% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.3% APRC	4.24% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £5,000, Max loan £2,000,000)
4.25% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.3% APRC	4.25% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £5,000, Max loan £2,000,000)
4.26% Great Escape™ 5 Year Fixed. More detailsHide detailsCompare
£0	5.7% APRC	4.26% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	60% (Min loan £50,000, Max loan £2,000,000)
4.32% Great Escape™ 5 Year Fixed. More detailsHide detailsCompare
£0	5.7% APRC	4.32% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £50,000, Max loan £2,000,000)
4.32% Residential Premier Exclusive: 3 Year Fixed (Purchase Only). More detailsHide detailsCompare
£999	6.1% APRC	4.32% until 30th June 2028	6.49% variable for the remaining term *	3% of the balance repaid until 30 June 2028	60% (Min loan £5,000, Max loan £2,000,000)
4.35% 5 Year Fixed (Purchase Only). More detailsHide detailsCompare
£0	5.7% APRC	4.35% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	75% (Min loan £5,000, Max loan £2,000,000)
4.36% 2 Year Fixed (Purchase Only). More detailsHide detailsCompare
£0	6.3% APRC	4.36% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £5,000, Max loan £2,000,000)
4.36% 5 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	5.8% APRC	4.36% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £5,000, Max loan £2,000,000)
4.45% 2 Year Fixed (Purchase Only). More detailsHide detailsCompare
£0	6.3% APRC	4.45% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £5,000, Max loan £2,000,000)
4.46% 5 Year Fixed (Purchase Only). More detailsHide detailsCompare
£0	5.8% APRC	4.46% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £5,000, Max loan £2,000,000)
4.49% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.3% APRC	4.49% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £5,000, Max loan £2,000,000)
4.52% 2 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	6.3% APRC	4.52% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £5,000, Max loan £2,000,000)
4.57% Residential Premier Exclusive 5 Year Fixed (Purchase Only). More detailsHide detailsCompare
£899	5.9% APRC	4.57% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	90% (Min loan £5,000, Max loan £640,000)
4.60% Great Escape™ 2 Year Fixed. More detailsHide detailsCompare
£0	6.3% APRC	4.60% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	60% (Min loan £50,000, Max loan £2,000,000)
4.62% 5 Year Fixed (Purchase Only). More detailsHide detailsCompare
£899	5.9% APRC	4.62% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	90% (Min loan £5,000, Max loan £640,000)
4.68% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£0	6.3% APRC	4.68% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £5,000, Max loan £2,000,000)
4.73% Residential Premier Exclusive: 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.4% APRC	4.73% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	90% (Min loan £5,000, Max loan £640,000)
4.74% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£899	6.4% APRC	4.74% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	90% (Min loan £5,000, Max loan £640,000)
4.87% 5 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	6.0% APRC	4.87% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £5,000, Max loan £2,000,000)
4.89% Great Escape™ 2 Year Fixed. More detailsHide detailsCompare
£0	6.4% APRC	4.89% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	75% (Min loan £50,000, Max loan £2,000,000)
4.93% 2 Year Fixed (Purchase Only) More detailsHide detailsCompare
£0	6.4% APRC	4.93% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	90% (Min loan £5,000, Max loan £640,000)
4.95% 10 Year Fixed. More detailsHide detailsCompare
£999	5.6% APRC	4.95% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	60% (Min loan £5,000, Max loan £1,000,000)
4.97% Great Escape™ 5 Year Fixed. More detailsHide detailsCompare
£0	6.0% APRC	4.97% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	85% (Min loan £50,000, Max loan £2,000,000)
5.03% 5 Year Fixed Mortgage Guarantee Scheme. More detailsHide detailsCompare
£0	6.0% APRC	5.03% until 30th June 2030	6.49% variable for the remaining term *	4% of the balance repaid until 30 June 2030	95% (Min loan £25,000, Max loan £570,000)
5.09% 2 Year Fixed (Remortgage Only). More detailsHide detailsCompare
£999	6.5% APRC	5.09% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	85% (Min loan £5,000, Max loan £2,000,000)
5.28% 2 Year Fixed Mortgage Guarantee Scheme. More detailsHide detailsCompare
£0	6.4% APRC	5.28% until 30th June 2027	6.49% variable for the remaining term *	2% of the balance repaid until 30 June 2027	95% (Min loan £25,000, Max loan £570,000)
5.51% 10 Year Fixed. More detailsHide detailsCompare
£999	6.0% APRC	5.51% until 30th June 2035	6.49% variable for the remaining term *	6% of the balance repaid until 30 June 2035	80% (Min loan £5,000, Max loan £1,000,000)

*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).

Representative example:

A capital and interest mortgage of £198,000 payable over 300 months on a fixed rate of 5.09% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate (currently 4.50%), for the remaining term would require 24 monthly payments of £1,167.89 and 276 monthly payments of £1,325.18.

The total amount payable would be £394,883.04 made up of the loan amount plus interest and £999 (product fee), £80 (final repayment charge), £25 (completion fee).

The overall cost for comparison is 6.5% APRC representative.

Fixed-rate mortgages

What’s a fixed-rate mortgage?

How to apply

Our latest rates

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Fixed-rate mortgages

What’s a fixed-rate mortgage?

Know what you’ll pay each month

Choose the fixed period you need

You could make overpayments

You could port your mortgage

How to apply

How much could I borrow?

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Agreement in Principle

Starting your mortgage application

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